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Policy is designed to cover business premises only like godown, factory, office etc.
There are three types of policies available :-
Full Value Insurance:
The policy must be effected for the full value of the property to be insured.
First Loss Insurance
Stock Declaration Policy
Loss or damage to the property insured by theft following upon actual, forcible and violent entry into the premises.
Damage to the premises following upon entry as above or any attempt thereat
The indemnity provided is to the extent of the intrinsic value of the property so lost or damaged, subject to the limit of the sum insured.
Gold, watches, jewellery, precious stones, plans, designs, money, business books etc. unless specifically insured.
Loss or damage where any insured or member of the insured's household or of his business staff is concerned in the actual theft or damage.
The policy shall cease to attach:
If the premises are left uninhabited for 7 or more consecutive days and nights.
In the event of material alterations to the premises whereby the risk is increased.
If the insurable interests has passed from the insured otherwise by will or operation of law
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TYPES OF INSURANCES