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Office Package Insurance Policy - Reliance General Insurance

Reliance General Insurance

Reliance Office Package Policy Features

​You have probably invested heavily into your business. Untoward incidents can leave you vulnerable to severe financial loss, and hence, your work premises and other infrastructure need to be protected. With Reliance Office Insurance, you can be stress free, as it offers a comprehensive protection plan for your office premises. This policy provides insurance for offices that include:

  • Commercial offices
  • Government offices
  • ITES and BPO Call Centre Offices
  • Office premises (Outside industrial, manufacturing, warehouse premises)


Key Benefits:

  • Single policy that covers most of the risks
  • Covers Electrical/Mechanical breakdown of office equipment,
  • Protection to electronic equipment and laptops covered
  • Personal Accident coverage for Employess and owner
  • Legal liabilities cover aginst third parties
  • Payment of additional rent in case you have to move to a new premise because of operation of insured peril at current premises
  • Terrorism cover available with additional premium​

​Reliance Office Package Policy Coverage

The 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
- Riots, strikes, 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 installation
- Bush fire
- Earthquake (fire and shock)


  • Burglary and Housebreaking

- Cover for housebreaking of office contents


  • Machinery Breakdown

- Cover for breakdown of electrical/mechanical appliances
- Cover for apparatus or gadgets in your premises


  • Electronic Equipment and Appliances

- Cover for loss of electronic installations, data carrying material, and software


  • Money Insurance

Provides coverage for loss of money due to accidents or a misfortune while in:
- Transit from the business premises to the bank and vice versa
- Safe at the business premises
- Till at the business premises


  • Baggage

- Compensates for loss of baggage while on travel for official purposes


  • Fixed Plate Glass and Sanitary Fittings

- Covers loss or damage to fixed plate glass
- Covers accidental damage to sanitary fittings


  • Neon Sign/Glow Sign/Hoarding

- Cover to office publicity tools such as neon signs and hoardings against Fire, AoG, RSMD etc.


  • Personal Accident

- Compensation for accidental death or bodily injury to employees
- Education grant and carriage of dead body are also paid for
- Provides the option of medical extension with addition premium


  • Infidelity/Dishonesty of employees

- Covers loss or damage to Employer, caused by the dishonest acts of employees


  • Legal Liability - To employee

- Compensation for accidents arising out of and in the course of employment


  • Legal Liability - To Third parties
  • Legal liabilities cover against third parties

  • Additional Rent for Alternative Accommodation
    -Payment of additional rent in case you have to move to a new premise because of operation of insured peril at current premises​

​Reliance Office Package Policy Exclusions

The policy does not cover, among other things:

  • Loss or damage due to war and nuclear perils
  • Loss or damage due to wear and tear and gradual deterioration
  • Consequential loss of any kind
  • Loss or damage due to actions of any lawfully constituted authority
  • Excess amount as mentioned in the policy schedule
  • Mysterious disappearances or other unexplained losses