Businesses are always exposed to a variety of risks. Perils like fire or machinery breakdown can erode your investments. Protect your business with the Reliance Commercial Care Policy, an insurance policy that safeguards your business against such contingencies, making sure that you can focus your efforts where it is needed the most – the running of the business.
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 occurs due to interrupted operations as a result of fire and allied perils
Machinery Breakdown
- Cover for breakdown of electrical/mechanical appliances
- Cover for your apparatus or gadgets in your premise
- Provided these belong to your business and are contained in the premises
Electronic Equipment and Appliances
- Provides all risk cover for electronic appliances such as medical equipment
- Cover for loss of electronic installations, data carrying materials and software
Burglary and Housebreaking
- Covers plant and machinery, furniture, fixtures and fittings, electrical installations, stock and stock-in-trade
- Items held in trust contained in the business premises 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.
Baggage
- Compensates for loss of baggage of specified employees while traveling for official purposes
Fixed Plate Glass and Sanitary Fittings
- Covers loss or damage to fixed plate glass due to accidental damage
- Sanitary fittings also covered
Neon Sign/Glow Sign/Hoarding
- Cover to office publicity tools such as neon signs and hoardings against all risks
Personal Accident
- Compensation for accidental death or bodily injury to principal officers/employees
- Education grant and carriage of dead body are also paid for
Provides the option of medical extension on payment of extra premium
Infidelity/ Dishonesty of employees
- Covers loss or damage caused by dishonest acts of employees
Legal Liability
- Compensation to employees for accidents arising out of and in the course of employment
- Provides cover for legal liability to third parties
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
non-manufacturing or non-industrial risks for a sum insured up to Rs.
100 crores on a single location.