• Particulars of cover liability and exclusion given above are not complete or exhaustive :
• Our nearest Branch Office branch may be approached for complete details.

The policy will not pay loss/damage due to:

• War and war like perils

• Wear and tear depreciation consequential loss
• Nuclear group of perils
• Gross and wilful negligence of Insured
• Violation of policy conditions
• Loss/damage/liability where Insured’s family or Insured’s employee are involved as principal/accessory
• Intentional act/self injury/ influence of drug/intoxicant.

Policy will pay as per below:

• If injury directly/solely causes within 12 months of its occurrence
• Actual extent of loss/damage to property under respective sections chosen;
• Sum Insured is the limit of maximum liability under respective sections;
• Limit of liability to third party for Personal injury/Property damage is upto Rs.10 0 Pedal Cycle section respectively.

Personal Accident Section

• If injury directly/solely causes within 12 months of its occurrence

We Cover

The package cover offers protection against loss/damage to the building and its contents

• Money in transit
• Pedal Cycles
• Plate Glass
• Neon Sign & Glow sign
• Baggage while on travel
• Accidental injury causing death/disability

Who can be insured

Any small shopkeeper exposed to one or more of the above-named contingencies. He can choose benefits under four (minimum) or more sections. P.A Cover is offered for insured spouse and children (Age 12 - 70)