A shopkeepers package insurance policy safeguards your shop against theft, robbery, damage to the building/ content due to any unfortunate event or mishappenings.

Coverages offered under a home insurance policy are:

Section 1: loss of damage to the building and contents (excluding money and valuables) whilst contained in the insured's premises by specified perils.

Fire can cause huge damages, which can affect your finances. We provide a policy which covers:

• Fire
• Lightening
• Explosion / implosion
• Aircraft damage
• Riot/strike, malicious damage
• Storm, cyclone, flood, earthquake
• Landslide including rock slide
• Bursting & or overflowing of water tanks, apparatus & pipes
• Missile testing operations
• Leakage from automated sprinkler installations

Section 2: loss of or damage to the contents (excluding money and valuables) whilst contained in the premises by burglary and housebreaking (no theft risk is covered)

Section 3: a) loss of money in transit due to accident/ misfortune. B) loss of or damage to the contents/ valuables by burglary/ housebreaking whilst contained in a burglary proof state. C) loss of money whilst lying in cashier's till and/ or counter in insured's premises by burglary, housebreaking or following assault/ violence on insured or Hos employees.

Section 4: loss of or damage to pedal cycle and legal liability to third party.

Section 5: loss of or damage to the fixed plate glass in the insured premises.

Section 6: loss of or damage to neon sign/ flow sing

Section 7: loss of or damage to personal baggage of insured or baggage in connection with Trade, anywhere in india.

Section 8: personal accident cover for insured/ his employees as per pa practice.

Section 9: direct pecuniary loss suffered by the insured due to fraud or dishonesty committed by any salaried employees.

Section 10: legal liability to the third party and liability to the employees under the workmen's compensation act/ common law.

Exclusions under a home insurance policy:

The policy does not cover loss or damage to the property by or due to or arising from:

• Misrepresentation, misdescription, or non-disclosure of any material information.
• Damage which is pre-existing in nature (applicable to contents and building).
• Manufacturing defects in electrical, mechanical, and electronic items.
• Consequential loss, wear & tear, depreciation
• Damage by war, nuclear war, invasion, etc.
• Negligent usage, excessive work pressure leading to damage.
• Loss, destruction or damage caused to any electronic equipment due to over-running or excessive pressure