Shop-Keepers-Policy

We Cover
The package cover offers protection against loss/damage to the building and its contents
Money in transit
Pedal Cycles
Plate Glass
Neon Sign & Glow sign
Baggage while on travel
Accidental injury causing death/disability

Who can be insured
Any small shopkeeper exposed to one or more of the above-named contingencies. He can choose benefits under four (minimum) or more sections. P.A Cover is offered for insured spouse and children (Age 12 - 70)

What is insured
Building and contents Fire lightning Acts of God Riot Strike and malicious damage impact damage explosion of gas in domestic appliances overflow of water tanks. Burglary House breaking and Theft.

Money in Transit Loss due to accident or misfortune

Pedal Cycles Fire lightning explosion Riot Strike and Malicious Damage

Acts of God Burglary House breaking Theft external accident and also

Legal liability with a limit of Rs.10 0

Plate Glass (Fixed)Accidental breakage

Neon sign/Glow sign Fire Accidental damage Riot Strike and Malicious Act and or theft.

Baggage while in travel Loss due to accident or misfortune

Personal Accident Accidental injury causing death/disablement/loss of limb total/partial

WHAT WILL POLICY PAY AND HOW MUCH

Policy will pay as per below:
If injury directly/solely causes within 12 months of its occurrence

Actual extent of loss/damage to property under respective sections chosen;

Sum Insured is the limit of maximum liability under respective sections;

Limit of liability to third party for Personal injury/Property damage is up to Rs.10 0 Pedal Cycle section respectively.

Personal Accident Section
If injury directly/solely causes within 12 months of its occurrence

Death / loss of two limbs / eyes / Total permanent disablement : Full Sum Insured

Loss of a hand / foot / eye / use of hand / foot : 50% Sum Insured

Specified Percentage (%) of Sum Insured in other cases of permanent disablement [partial]

Weekly benefits (Rs.3000/- max.) up to 100 weeks payable for Temporary Total Disability.

WHAT IS NOT INSURED

The policy will not pay loss/damage due to:
War and war like perils

Wear and tear depreciation consequential loss

Nuclear group of perils

Gross and willful negligence of Insured

Violation of policy conditions

Loss/damage/liability where Insured's family or Insured's employee are involved as principal/accessory

Intentional act/self injury/ influence of drug/intoxicant.