Products-Shopkeeper-Insurance
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)
What is insured
- Building and contents Fire lightning Acts of God Riot Strike and malicious damage impact damage explosion of gas in domestic appliances overflow of water tanks. Burglary House breaking and Theft.
- Money in TransitLoss due to accident or misfortune
- Pedal CyclesFire lightning explosion Riot Strike and Malicious Damage
- Acts of God Burglary House breaking Theft external accident and also
- Legal liability with a limit of Rs.10 0
- Plate Glass (Fixed)Accidental breakage
- Neon sign/Glow signFire Accidental damage Riot Strike and Malicious Act and or theft.
- Baggage while in travelLoss due to accident or misfortune
- Personal AccidentAccidental injury causing death/disablement/loss of limb total/partial
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
- Death / loss of two limbs / eyes / Total permanent disablement : Full Sum Insured
- Loss of a hand / foot / eye / use of hand / foot : 50% Sum Insured
- Specified Percentage (%) of Sum Insured in other cases of permanent disablement [partial]
- Weekly benefits (Rs.3000/- max.) upto 100 weeks payable for Temporary Total Disability.
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.
- Particulars of cover liability and exclusion given above are not complete or exhaustive :
- Our nearest Branch Office branch may be approached for complete details.
