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National Business Insurance

1. Burglary (Business Premises) Policy
Covers loss due to theft and burglary of movable properties like stock-in-trade, plant and machinery, furniture, fittings etc followed by virulent and forceful entry or exit.

2. Shopkeepers Policy
This policy is specifically devised for small shopkeepers having building and stock value limited to less than or equal to Rupees ten lacs. The policy covers host of risks like stock in trade, building, furniture, money-in-transit, business interruption etc. and indemnifies the insured loss due to any of the perils covered.

3. Bankers Indemnity Policy
This Policy is specially designed for banks to provide indemnity against direct loss suffered by them (excluding Non Banking Financial Institutions). The policy covers loss of Money and/or Securities inside Bank or while In Transit, Forgery or Alteration, Dishonesty of employees etc.

4. Office Package Policy
This policy provides a package of various covers required by an office establishment including cover for buildings, the Landlord s Fixture and Fittings, Boundary Walls and Fences, Canteen etc. Office contents, equipments, cover for employees, Public Liability etc all built in one policy.

5. Glass Insurance
The policy covers loss due to accidental breakage of plain and ordinary glazed glasses without embossing, silvering, lettering, bending or ornamented fitted to doors, windows, show-cases, counters and shelves. Crockeries are not insurable under Glass Insurance.

6. Money Insurance
Policy indemnifies insured against loss of Cash, Currency Notes, Coins, Securities, Postal Orders, Stamps, Cheques etc. whilst in transit or in locked safe.

7. Jewellers Block Policy
Covers loss of or damage to the stock in trade and also cash and currency notes while contained in the premises where the insured s business is carried on or at other premises where the property insured is deposited.

8. Extended Warranty Policy
Policy provides extended warranty to prospective buyers of vehicle, over and above the normal warranty provided by Manufacturers / Authorised dealers of vehicles like cars and two wheelers.

9. Directors and Officers Liability Policy
Policy indemnifies legal liability to third party due to wrongful act by Directors and Officers of any company but excludes dishonest, fraudulent, criminal or malicious act, personal guarantee, libel and slander and damage to property and pollution damage.

10. Fidelity Guarantee Policy
The term Fidelity Guarantee Insurance embraces policies indemnifying employers against financial loss on account of forgery, defalcation, embezzlement and fraudulent conversion by employees. The object is to provide protection in respect of the default of an individual acting in some capacity such as Cashier, Accountant, Store-keeper etc. The cover may be required in respect of a single employee or a number of employees.

11. Marine Cargo Insurance
The policy provides cover to cargo against risk of damage when it is exposed to maritime perils during transportation. The policy covers two categories of risk which are Standard risks of transport and Exceptional risks of transport (war, strike or similar).

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