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Your Base Benefits

This standard cover protects your business from Riots, Strikes, & Malicious Damage. This is a standard cover included in all fire policies.

Riots, Strikes, & Malicious Damage

Stands for Storm, Tempest, Flooding & Inundation. This cover protects your premises and contents from water damage. Standard cover, included in all fire policies

Storm, Tempest, Flood and Inundation

FLEXA stands for Fire, Lightning, Explosion and Aircraft damage. It’s a standard cover included in all fire policies

Fire, Lightning, Explosion & Aircraft damage

Would you like any of the following add-ons?

Protects your building, stocks and contents from earthquake damage. Offered as an add-on

EarthQuake Cover

Protects your entire business from damage due to terrorist attacks of any kind. Offered as an add-on.

Terrorism Cover

Protects your contents and stocks, from theft, without any break-in or forced entry. Offered as an extension to the burglary add-on.

Theft Cover

Protects the contents and stocks on your premises if someone forcibly enters and steals them. This is an add-on cover

Burglary Cover

This additional cover compensates you for loss of profits due to an event covered under your insurance policy. You can select whether you want profits covered for 3, 6, 9 or 12 months.

Loss of profits

Protects your building, stocks and contents from earthquake damage. Offered as an add-on

Machinery Breakdown

This add-on covers sudden and unforeseen physical damage including breakdown to your electronic equipment. Equipment that is portable & mobile must be declared separately.

Electronic Equipment

This add-on covers monetary loss that you might have to suffer as a result of forgery, embezzlement, larceny or fraud / dishonesty or fraudulent conversion of money or money's worth or goods by your salaried employees.

Fidelity Guarantee

This add-on covers accidental breakage of plate glass, fixed to display windows or show cases of commercial establishments.

Plate Glass

This add-on covers accidental breakage of Neon sign , Glow sign and Hoarding belonging to the Insured and fixed at the Insured's business premises against loss or accidental damage including theft.

Neon Sign

This add-on covers 'Money' carried by the Insured or the authorized employees / messengers while in transit. Money that has not been disbursed and has been retained in a safe is also covered. Money means and includes cash, bank drafts, currency notes, treasury totes, cheques, postal orders and current postage stamps.


This add-on covers the amount which the insured becomes legally liable to pay as damages to third parties as a result of accidental death, bodily injury, loss or damage to the property belonging to a third party.

Public Liability

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