Office Package Policy

Office Package Policy

Office Insurance Package is a comprehensive package of different insurance policies that provide flexibility and cover for various contingencies. … Covers the office building and contents against perils such as fire, earthquake, impact damage, etc. Cover under this section can be extended to include terrorism risk.

Need for Office Package Insurance

Running your own business and owning an office is a thing of great pride. However, it is also important to protect your office and yourself from any unforeseen events that can hinder the functioning of your business. To safeguard yourself from such risks, one can opt for office insurance.

The Office Package Insurance provides protection against damage to insured property. Your business is in safer hands in the event of third-party legal liability. … A tailor-made policy that protects your business against financial risks of fire and allied perils, like theft, burglary, machinery breakdown etc.

What is covers?

Fire & Allied Perils

  • Loss, destruction, or damage caused by war, invasion etc
  • Destruction caused due to volcanic eruptions
  • Radioactive toxic, explosives or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
  • Loss, destruction, or damage to bullion or unset precious stones or any c​curios or works of art of an amount exceeding Rs. 10,000/-manuscripts, plans, drawings, securities, obligations or documents of any kind, stamps, coins or paper money, cheques, books of accounts or other business books, computer systems records, explosives unless otherwise expressly stated in the office insurance policy.
  • Loss, destruction, or damage caused to the insured property by pollution or contamination

Burglary & Housebreaking

  • The company will not be liable in respect of loss or damage:
  • Any burglary and/or housebreaking where the insured persons family member is responsible or involved
  • ​To livestock, motor vehicles and pedal cycles

Money Insurance

  • Shortage of money due to error or omission
  • Loss of money entrusted to any person than insured, authorized employee of insured or directors

Fixed Glass and Sanitary Fittings

  • Breakage of damage during removal. Alterations and/or repairs in or about the office premises
  • Disfiguration or scratching or damage of glass sanitary fittings
  • Breakage of glass, sanitary fittings which are not completely and securely fixed
  • Glass or sanitary fittings already damaged at the commencement of the office insurance policy

Neon Sign/Glow Sign/Hoardings

  • Fusing or burning out of any bulb and/or tubes arising from short circuiting or arcing or any other mechanical or electrical breakdown or faults.
  • The action of sun, rain, hail, flood, bad weather.

Personal Accident

  • Death or disablement resulting directly or indirectly caused by, contributed to, or aggravated or prolonged by childbirth or from pregnancy or in consequence thereof.
  • Payment of weekly compensation until the total amount shall have been ascertain and agreed.

What’s not covered?

  • Loss or damage caused by depreciation or wear and tear.
  • Consequential losses.
  • Loss or damage to property by pollution or contamination.
  • War and nuclear perils.

For registration of claims and to learn more about our claims process please Contact our dedicated claims team for advice on an incident/claim.

Why Us?

At Emedlife, our products are value for your money, digitally friendly, covers all your property needs and are adept at handling all your claims

Talk to us today for all your Property Insurance needs at an affordable price and for reliable claims management.

For registration of claims and to learn more about our claims process please Contact our dedicated claims team for advice on an incident/claim.


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