Section I - Fire and special perils
This section of the policy covers the office building and contents against perils such as fire, earthquake, impact damage, etc. Cover under this section can be extended to include terrorism risk, if you so desire.


Section II - Fire loss of profit
This section covers losses suffered by you due to interruption with the business carried on at the office premises in consequence of loss, destruction or damage caused by perils covered under Section I. It also provides cover for increased business operating expenses following the loss.


Section III - All risks
This section covers all assets, excluding building and incidental stocks, against all risks other than those specifically excluded. Coverage includes fire and allied perils, mechanical and electrical breakdown, accidental breakage and burglary and/or housebreaking.
In case you opt for this section, Section I of the policy will cover only buildings and incidental stocks.


Section IV - Mechanical and electrical appliances
This section covers all electrical and mechanical appliances, apparatus, gadgets and any electrical or mechanical installation which is fixed in your office premises against loss or damage due to unforeseen and sudden physical damage caused by mechanical and/or electrical breakdown.


Section V - Electronic Appliances
This section provides all risk cover for electronic appliances, data processing equipments, apparatus, gadgets, electronic installations, data carrying materials and system software fixed in the office premises. Already included in Section III


Section VI -Burglary and housebreaking
This section offers cover for items of property in the office premises against burglary, house breaking and theft. Already included in Section III


Section VII - Money insurance
This section covers loss of money
a) while in transit between the office premises and bank due to accident or misfortune
b) from safe at the office premises due to Burglary or Housebreaking
c) from till/counter at the office premises due to Burglary or Housebreaking


Section VIII -Infidelity/dishonesty of employees
This section provides indemnity for loss or damage to the business against direct pecuniary loss caused by dishonest acts of your employees including act of stealing, misappropriation, embezzlement or fraudulent conversion.


Section IX - Fixed glass and sanitary fittings
This section covers loss or damage due to accidental breakage of
a) Fixed plate glass and sanitary fittings contained in the office premises
b) Frames or framework
c) Lettering consequent upon the breakage of glass


Section X - Neon sign/glow sign/hoarding
This section provides coverage to office publicity tools such as neon signs and hoardings against risks such as fire, lightening, explosion, theft, flood, malicious damage, etc.


Section XI - Legal liability
Towards employees - This sub-section provides compensation to the employees under the Fatal Accidents Act 1855/Workmen's Compensation Act 1923, and in Common Law, for accidental death or injury arising out of and in the course of employment.
Towards third parties - This sub-section covers legal liability to be paid to third parties, including claimant's costs, fees and expenses incurred anywhere in India, in accordance with Indian Law.
Food and beverage's extension - This sub-section covers legal liability incurred due to death or injury to any third party arising out of any food or beverages served/provided in the office premises. Tenant's legal liability - This sub-section covers legal liability incurred by you as a tenant of the office premises for damage to the building due to fire and allied perils.


Section XII - Personal accident
This section provides for financial compensation to the insured person in the event of death, bodily injury or disablement due to accident. This can be further extended to cover medical expenses incurred in the event of a valid claim under this section.


Section XIII - Baggage
This section covers loss of baggage of proprietor/ partner/ principal officer /an employee who is in the permanent employment of the proposer due to accident or misfortune during an official travel. Baggage would also include personal articles, belongings and other goods being officially carried during the journey as well as traveling advance up to Rs. 10,000/-.