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Industry Care

Reliance General Insurance

Reliance Industry Care Insurance Policy Features

Accidents can happen in industries despite all safety efforts, which can lead to significant losses. The Reliance Industry Care Insurance Policy covers you against the likely financial loss due to such events and allows you to resume operations without much delay​

​Key Benefits

  • Package policy through a single document
  • Exhaustive coverage against different risks
  • Judicial management of loss assessment
  • Fund allocation based on clear indemnity guidelines
  • Choice of selecting coverage against each identified risk

​Reliance Industry Care Insurance Policy Coverage

This policy covers your business against:
Fire and Allied Perils

Covers the structure of your business premises and contents therein, against:

  • Fire
  • Lightning
  • Explosion/implosion
  • Aircraft damage
  • Riot, strike and malicious damage
  • Storm, cyclone, typhoon, tempest, hurricane, tornado, flood and inundation
  • Impact damage
  • Subsidence and land-slide including rock-slide
  • Bursting and/or overflowing of water tanks, apparatus and pipes
  • Missile testing operations
  • Leakage from automatic sprinkler installations
  • Bush fire
  • Earthquake (fire and shock)

Business Interruption

  • Covers business loss that occur due to fire and allied perils

Machinery Breakdown

  • Cover for breakdown of electrical/mechanical appliances
  • Cover for apparatus or gadgets
  • Provided these belong to your business and are in the premises

Electronic Equipment and Appliances

  • Provides all risk cover for electronic appliances such as medical equipment
  • Includes cover for electronic installations, data carrying materials and software

Burglary and Housebreaking

  • Cover for plant and machinery, furniture, fixtures and fittings, electrical installations, stock and stock-in-trade
  • Items held in trust contained in the business premises are also covered

Money Insurance

  • Provides coverage to loss of money against accident and misfortune while in:
  • Transit from the business premises to bank and vice versa
  • A safe at the business premises
  • A till at the business premises

Goods in Transit

  • Covers inward transit of raw materials, finished and semi-finished goods, spares, consumables, etc
  • Compensates the outward transit of finished goods

Personal Accident

  • Compensation for accidental death or bodily injury to principal officers/all employees
  • Education grant and carriage of dead body are also paid for

Infidelity/ Dishonesty of employees

  • Covers loss or damage caused by dishonest acts of employees

Legal Liability - To employee

  • Compensation for accidents arising out of and in the course of employment
  • Provides cover for legal liability to third parties

​Reliance Industry Care Insurance Policy Exclusions

The policy does not cover:

  • Loss or damage due to war and nuclear perils
  • Loss or damage due to wear and tear and gradually developing flaws
  • Consequential loss of any kind
  • Excess as specified
  • Loss without substantiation or mysterious disappearance


​Available to small and medium size industrial houses having manufacturing or industrial risks for a sum insured up to Rs. 100 crores on a single location.