Traders Insurance

 

An attractive policy that provides shopkeepers with a basic insurance package and a further range of optional covers.
 

For Whom?

Bakers, book sellers, confectioners, news agents, florists/grocers, pharmacists, general retailers, wholesalers or distributors of non hazardous goods and owners of fancy goods, gift, home appliances, video/audio and computer shops.
 

Summary of Cover

 

Property All Risks

Fire, burglary and accidental damage cover to building (if owned), office equipment and all contents.
 

Business Interruption

Loss of profit or increased cost of working resulting from interruption of business due to damage by fire and allied perils.
 

Breakdown

Electrical and Mechanical breakdown of office equipment like air-conditioners, photocopiers, water filters, refrigerators, computers and related items.
 

Portable items

Cover for laptops, palmtops and mobile phones against all risks anywhere in the world.
 

Money in transit and Money in safe at premises

Cover against robbery, dacoity, burglary and housebreaking.
 

Dishonesty of Employees

Loss of money or goods caused by fraud or dishonesty of employees.
 

Group Personal Accident

Any accidental bodily injury resulting in death/disablement. This is a 24-hour worldwide cover.
 

Baggage

Accidental loss of or damage to baggage while on an official journey anywhere in the world.
 

Public liability

Your legal liability to pay, including costs and expenses incurred on account of legal liability arising out of accidental bodily injury and/or property damage to third parties happening in your premises.
 

Salient Features

 

• Option to choose any section except Property All Risks which is compulsory
• Personal assault cover for Rs. 25,000 per person subject to a maximum of Rs. 1,00,000 under money section
• Modern policy wordings
• Expert Risk Control Program (RCP) on all aspects of safety and loss
•  Prevention/ Minimisation
• Competitive pricing
• Superior claim service