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  Office Umbrella Policy

The Office Umbrella Policy is a comprehensive insurance policy that offers protection to business enterprises against different kinds of risks and contingencies. This single insurance policy is suitable for large MNC-owned offices as well as small and medium sized offices like Travel Agencies, professionals like Chartered Accountants, Architects, Engineers or any other service provider.

Under the following 12 sections of the Office Umbrella insurance policy, all assets and liabilities of a modern office environment can be insured.

  • Buildings inclusive of landlord's fixture and fittings, boundary wall and fences belonging to Insured's or for which he is responsible
  • Contents contained in the office and tenant's legal liability
  • Money while in office or in transit from or to the office
  • Fixed glass and sanitary fittings from accidental breakage
  • Losses caused by fraud or dishonesty committed by any salaried employee
  • Electronic equipment in the office including mobile equipment
  • Additional rent required for alternative accommodation in the event of a loss
  • Bodily injury to insured persons by accidental means
  • Breakdown of appliances due to electrical and mechanical causes
  • Accidental loss or damage to baggage of persons during official journey
  • Liability to public for accidental bodily injury and property damage
  • Loss of income due to business interruption

The office umbrella insurance policy pays for the cost of replacement or reinstatement including removal of debris and consultation fees in the wake of any damage to the building premises. In event of any accident occurring to named employees, damages with regards to hospitalization, ambulance charges and costs of clothing can be claimed.

In case of business interruption, the office insurance takes care of the loss of income including increased cost of working and additional expenditure such as setting up of a temporary office, cost of substitute equipment, hiring personnel, professional charges and additional expenditure such as rent, electricity, taxes, and costs of removal.

Being a package policy, the office umbrella insurance provides total coverage of all risks that are common to office environment and does away with the need to take different policies.

 

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