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Commercial Care

Reliance General Insurance

​Reliance Commercial Care Policy Features

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.

​Key Benefits:

  • Exhaustive cover for various risks
  • Package policy to facilitate convenience through a single document
  • Easy documentation for your convenience
  • Judicial management of loss assessment
  • Fund allocation based on clear indemnity guidelines
  • Selection of cover of your choice

​Reliance Commercial Care 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 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.


  • 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

​Reliance Commercial Care 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 non-manufacturing or non-industrial risks for a sum insured up to Rs. 100 crores on a single location.