Act of God Perils: Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood & Inundation
Subsidence & Landslide including Rockslide
Bursting and/or overflowing of Water tanks, apparatus & pipes
Missile Testing Operations
Leakage from Automatic Sprinkler Installations
Bush fire (loss due to Forest fire is excluded)
Benefits Overview of Fire Insurance
Perils and risks covered by office content insurance policy
Loss or damage caused from fire, lightening explosion
Damage caused by air crash
Damage caused by riots, strikes
Bursting of water pipe and other apparatus
Loss caused from natural disasters such as storm, cyclone, flood etc.
Additional covers provided under insurance office schemes
Covers burglary or forceful entry into the office space
Covers loss of money – in the safe or in transit
Covers all electronic and portal office equipment’s
Covers personal accident & workmen compensation
Other covers – glass plates, neon signs, public liabilities etc.
Key exclusions under insurance for office spaces
Loss or damage of property due to war or nuclear disasters/radioactive contamination
Loss or damage of office content due to willful act of negligence
Loss or damage of property/office equipment while engaging in unlawful activities
Excess/ Deductible / Wear and Tear/ Natural Decay / Collapse or Cracking of Building
Pollution and Contamination
Act of Terrorism
Currency, Stamps, pianting, Precious Stones, Manuscripts etc. unless Specified in policy.
Claim from mentioning incident note and bill Cost of Re-instatement
Fire Bridge Report only if required
Financial Records/Proof for adequacy of Insurance
Other Relevant Documents Pertaining to the loss situation if required
Earthquake(Fire and Shock) ,Terrorism , Escalation
Debris Removal (in excess of 1% of claim amount)
Omission to Insure Additions, Alterations or Extensions
Loss of Rent
Why Policy Nivesh
We are not selling anything online rather just educate customer about the product features , coverages, exclusions , claim settlement and all other things where customer get confused while buying any insurance/loans etc. If customer is satisfied with our product details than may ask for competitive quotes from various insurers.
We provide quotes at very fast turn around time.
Claim team for 24X7 customer service.
Sales & Support
Dedicated Sales, Support team is there to assist you.
Door step service
We will get the policy signed and picked up from your home.
Any damage of office spaces, industrial unit can incur huge business loss to any company or entity. To safeguard your business from unknown perils or dangers, it is best to take a comprehensive insurance policy for office spaces.
The biggest advantage of office insurance policy is that a single policy covers most risks. Some office insurance policies do cover risks third party liabilities as well. However, it is recommended to check with your insurer regarding the same.
Office Package policy covers Standard Fire Insurance and Special Perils. It also covers Burglary, Mechanical and Electrical breakdown for appliances, All Risks for Portable Equipment, and Money in Safe and Money in Transit.