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Office Insurance

Benefits

Office Insurance

Successfully running a business? Surely, you must be very proud of what you have created.

After all, keeping your staff happy & motivated, clients satisfied and competition at bay is no mean achievement! But has the fear of losing it all ever crossed your mind? Tomorrow, if misfortune hits your uninsured work place, your financial dreams could be in tatters.  Fear no more! With Office Package Policy your office premises are completely safe and secure. ​​

You can buy your policy online through our various payment options like Paytm, Net Banking, Debit/Credit card etc available for your convenience​.​​

 
Our Office Insurance policy protects the following:

Protection from 12 set of perils such as Fire, Lightning, Flood, Riot/Strike etc 

Against infidelity/dishonesty of employees

 

Money kept in the safe

  

Protection of personal accident for the owner

 

Contents and Office equipments against the risk of  Burglary and Fire

   Accidental breakage of Hoardings , Fixed Glass, or Neon Signs

     
For details, kindly refer the office insurance policy wordings and/or Office Package policy tab

​​We've tried to cover all the basic elements in our office package policy, so if your office is damaged due to any of the following reasons, we have it covered!​

  • Protection of content against Fire, Lightning, and explosion
  • Protection against Burglary and Housebreaking with regard to Contents and Office Equipments.
  • Money Insurance to safeguard money in transit and safe
  • Accidental breakage of Fixed, Sanitary Fittings, Hoardings, and Neon signs
  • Personal Accident coverage for owner Infidelity/Dishonesty of Employees
For more details, kindly refer the office package policy wordings or contact our nearest branch.​​
The following is a list of major exclusions in the office insurance policy. For an exhaustive understanding of the exclusions, kindly refer the office package policy wordings:
 1. Fire & Allied Perils
  • Loss, destruction or damage caused by war, invasion etc
  • Destruction caused due to volcanic eruptions
  • Radioactive toxic, explosives or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
  • Loss, destruction or damage to bullion or unset precious stones or any c​urios or works of art of an amount exceeding Rs. 10,000/-manuscripts, plans, drawings, securities, obligations or documents of any kind, stamps, coins or paper money, cheques, books of accounts or other business books, computer systems records, explosives unless otherwise expressly stated in the office insurance policy.
  • Loss, destruction or damage caused to the insured property by pollution or contamination
2. Burglary & Housebreaking
    The company will not be liable in respect of loss or damage:
  • Any burglary and/or housebreaking where the insured persons family member is responsible or involved
  • ​To livestock, motor vehicles and pedal cycles
3. Money Insurance
  • Shortage of money due to error or omission
  • Loss of money entrusted to any person than insured, authorized employee of insured or directors
4. Fixed Glass and Sanitary Fittings
  • Breakage of damage during removal. Alterations and/or repairs in or about the office premises
  • Disfiguration or scratching or damage of glass sanitary fittings
  • Breakage of glass, sanitary fittings which are not completely and securely fixed
  • Glass or sanitary fittings already damaged at the commencement of the office insurance policy
5. Neon Sign/Glow Sign/Hoardings
  • Fusing or burning out of any bulb and/or tubes arising from short circuiting or arcing or any other mechanical or electrical breakdown or faults.
  • The action of sun, rain, hail, flood, bad weather.
6. Personal Accident
  • Death or disablement resulting directly or indirectly caused by, contributed to or aggravated or prolonged by childbirth or from pregnancy or in consequence thereof.
  • Payment of weekly compensation until the total amount shall have been ascertain and agreed.
Reliance General Insurance Company Limited's Office Package policy is a tailor-made and comprehensive solution that guards your businesses against the financial risk of fire and allied perils, burglary, machinery breakdown, personal accident of employees, etc.
  • Secure your office contents and business premises against perils such as fire, lightning, flood, riot, explosion, earthquake, storm, aircraft damage, etc.
  • Get full protection against burglary and housebreaking for your office contents and equipment.
  • Coverage of loss of money in transit and safe
  • Protection of fixed glass, sanitary fittings, hoardings, and neon signs against damage
  • Guards against electrical or mechanical breakdown of office equipment 
  • Loss of electronic installations, data carrying material
  • Personal accident coverage for you and your esteemed employees.
  • We will provide compensation for accidental death or bodily injury to your workers
  • Coverage against infidelity/dishonesty of employees
  • Compensation for loss of baggage when traveling for official purposes
  • Taking care of your legal liability towards third parties and employees
  • Coverage of additional rent for alternative accommodation if forced to move to new premises due to an insured peril striking at the current premises