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Miscellaneous Insurance Covers

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The wordings and the coverages of these The wordings and the coverages of these policies vary between the various insurerspolicies vary between the various insurers

The coverages and exclusions are broadly The coverages and exclusions are broadly mentioned herementioned here

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1. Burglary Insurance

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What does Burglary policy Cover?

loss or damage caused by Burglary, loss or damage caused by Burglary, following upon an actual forcible and following upon an actual forcible and violent entry of and / or exit from the violent entry of and / or exit from the premises) premises)

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ExclusionsBurglary insurance excludes damages arising Burglary insurance excludes damages arising from;from;

Riots, Strike, Civil CommotionRiots, Strike, Civil Commotion War & War like operationsWar & War like operations Terrorist activitiesTerrorist activities Consequential lossesConsequential losses Theft (Can be covered on payment of additional Theft (Can be covered on payment of additional

premium)premium)

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Types of PoliciesSome of the important types of Burglary policies Some of the important types of Burglary policies are;are;

Full Value Policies:Full Value Policies: A full value policy covers the goods insured A full value policy covers the goods insured

for their full valuefor their full value First Loss Policies: First Loss Policies:

These are not full value policies. These are not full value policies. The sum insured doesn’t represent the full The sum insured doesn’t represent the full

value of the propertyvalue of the property Normally issued for bulk commodities in Normally issued for bulk commodities in

which the total loss is practically impossiblewhich the total loss is practically impossible

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Underwriting Considerations Security FeaturesSecurity Features Type of ConstructionType of Construction Location detailsLocation details Occupancy/ActivityOccupancy/Activity Property proposed for insuranceProperty proposed for insurance Are the premises occupied at night? Are the premises occupied at night? Are the premises at any time left unoccupied?Are the premises at any time left unoccupied? Is the insured location protected by a burglar Is the insured location protected by a burglar

alarm system? alarm system? Past Claim details (incl. frequency of loss)Past Claim details (incl. frequency of loss)

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Some preferable burglary risks from the point of an insurer….

Office premises with 24 hour watch & Office premises with 24 hour watch & ward staff on the premisesward staff on the premises

Housing societies (flats) with 24 hours Housing societies (flats) with 24 hours watch & wardwatch & ward

Shops with anti burglar alarm & anti Shops with anti burglar alarm & anti burglar devices or with watch and wardburglar devices or with watch and ward

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2. Fidelity Guarantee Insurance

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The most valued assets of an organization The most valued assets of an organization are its employees.are its employees.

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Although most organizations take enough Although most organizations take enough measure to ensure that they employ the best measure to ensure that they employ the best talent, selections can sometimes be wrong. talent, selections can sometimes be wrong.

The most honest of your employees can be The most honest of your employees can be the cause of losses and fraudthe cause of losses and fraud

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Fidelity Guarantee Insurance covers you Fidelity Guarantee Insurance covers you against these losses caused due to fraud or against these losses caused due to fraud or dishonesty committed by the employees in dishonesty committed by the employees in connection with their occupation and duties connection with their occupation and duties

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What does the Fidelity Guarantee Policy cover?

Direct pecuniary loss (loss of Direct pecuniary loss (loss of money/goods) caused by an employee in money/goods) caused by an employee in the course of performance of his dutiesthe course of performance of his duties

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Types of Fidelity policies

1.1. Individual policy:Individual policy: Only one individual by Only one individual by name is guaranteedname is guaranteed

2.2. Collective policy:Collective policy: Covers the entire staff Covers the entire staff or number of selected people. One policy or number of selected people. One policy is issued showing amount of guarantee is issued showing amount of guarantee against the name of each individual against the name of each individual covered covered

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3.3. Floating policy or floater:Floating policy or floater: This cover is an extension of This cover is an extension of the collective policy.the collective policy.

The sum insured for the whole group is mentioned and The sum insured for the whole group is mentioned and not for an individual. not for an individual.

The names of the group member with their designations The names of the group member with their designations are mentioned in the schedule of the policy. are mentioned in the schedule of the policy.

Each claim reduces the sum insured and has to be Each claim reduces the sum insured and has to be reinstated by paying extra premium reinstated by paying extra premium

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4.4. Position Policy:Position Policy: Similar to collective Similar to collective policy but instead of specifying names, policy but instead of specifying names, the positions are specified (eg cashiers, the positions are specified (eg cashiers, store keepers etc).store keepers etc).

The liability for each position is limited to The liability for each position is limited to the amount of sum insured against each the amount of sum insured against each position position

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Exclusions

Losses arising out of suppression of factLosses arising out of suppression of fact

Any change in the circumstances or Any change in the circumstances or conditions of the said employment without conditions of the said employment without the consent of the company.the consent of the company.

More than one claim in respect of any one More than one claim in respect of any one employee.employee.

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Losses arising outside India.Losses arising outside India.

Due to non-observance or relaxations of Due to non-observance or relaxations of system of checks and precautionssystem of checks and precautions

By an act committed subsequent to an earlier By an act committed subsequent to an earlier act of dishonesty/fraud and which had come to act of dishonesty/fraud and which had come to the notice of the insured / insured's the notice of the insured / insured's representative / supervisor. representative / supervisor.

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3. Baggage Insurance3. Baggage Insurance

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What does this policy cover?

Accompanied baggage of persons travellingAccompanied baggage of persons travelling The Risks covered are Fire, theft or accidents of The Risks covered are Fire, theft or accidents of

baggage during the travel by land , sea or airbaggage during the travel by land , sea or air The cover starts operating when the person starts The cover starts operating when the person starts

the journey and ends on completion of the tourthe journey and ends on completion of the tour Unaccompanied baggage is insured under a Unaccompanied baggage is insured under a

separate Marine Cargo policyseparate Marine Cargo policy

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Exclusions

Loss arising out of war and war like perilsLoss arising out of war and war like perils Theft from unattended vehicleTheft from unattended vehicle Consequential lossesConsequential losses Loss to articles or clothes when they are worn Loss to articles or clothes when they are worn

while performing the journeywhile performing the journey Undeclared articlesUndeclared articles Articles which are perishable and consumableArticles which are perishable and consumable

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Embossed, silvered, Bent or any special Embossed, silvered, Bent or any special type of glass other than of ordinary glazing type of glass other than of ordinary glazing quality unless declared and expressly quality unless declared and expressly insured by the policy insured by the policy

Consequential loss arising out of breakage, Consequential loss arising out of breakage, (i.e. interruption of business) or due to (i.e. interruption of business) or due to delay in replacing the glass. delay in replacing the glass.

Nuclear exclusionNuclear exclusion

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4. Plate Glass Insurance

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What does this policy cover?

Breakage of Plate Glass fixed to display Breakage of Plate Glass fixed to display windows or showcases of commercial windows or showcases of commercial establishments by any cause, except those establishments by any cause, except those that are specifically excludedthat are specifically excluded

Frames and framework are covered upto the Frames and framework are covered upto the specified limits, but only as a consequence of specified limits, but only as a consequence of breakage of insured glass. breakage of insured glass.

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Exclusions Breakage caused directly or indirectly by Fire or Breakage caused directly or indirectly by Fire or

any loss that could be covered by a Fire Policy. any loss that could be covered by a Fire Policy. Earthquake, volcanic eruption, cyclone or such Earthquake, volcanic eruption, cyclone or such

other convulsions of natureother convulsions of nature war and allied perilswar and allied perils Cracked or imperfect glass or scratches on the Cracked or imperfect glass or scratches on the

glass glass Willfully caused by the Insured or his agent Willfully caused by the Insured or his agent

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Embossed, silvered, Bent or any special Embossed, silvered, Bent or any special type of glass other than of ordinary glazing type of glass other than of ordinary glazing quality unless declared and expressly quality unless declared and expressly insured by the policy insured by the policy

Consequential loss arising out of breakage, Consequential loss arising out of breakage, (i.e. interruption of business) or due to (i.e. interruption of business) or due to delay in replacing the glass. delay in replacing the glass.

Nuclear radiationNuclear radiation

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5. INSURANCE OF 5. INSURANCE OF

NEON SIGN / HOARDINGSNEON SIGN / HOARDINGS

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Coverages

The Neon sign Insurance covers Loss or The Neon sign Insurance covers Loss or damage to the neon sign installation by damage to the neon sign installation by

Accidental meansAccidental means Fire, Lightning, TheftFire, Lightning, Theft

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Exclusions

Fusing or burning out of any bulbs and Fusing or burning out of any bulbs and tubes arising out of short circuiting / tubes arising out of short circuiting / mechanical / electrical defect/breakdownmechanical / electrical defect/breakdown

Consequential lossesConsequential losses War and war related perilsWar and war related perils

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6. MONEY INSURANCE6. MONEY INSURANCE

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The policy covers;The policy covers;

i)i) Money in Transit between the insureds Money in Transit between the insureds premises and specified placespremises and specified places

ii)ii) Money in safe Money in safe

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Sum Insured – Money In Transit

Per Transit Limit Per Transit Limit (max amount that would be carried (max amount that would be carried at any one time)at any one time)

Annual estimated amount of transitAnnual estimated amount of transit

The above two are specified in the policyThe above two are specified in the policy

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Exclusions: Shortage due to error or omissionsShortage due to error or omissions Loss of cash entrusted to any person other Loss of cash entrusted to any person other

than the insured or the employee of the than the insured or the employee of the insuredinsured

Losses due to the fraud/dishonesty of the Losses due to the fraud/dishonesty of the employeesemployees

Theft of money from unattended vehicleTheft of money from unattended vehicle Losses arising from war or war like perilsLosses arising from war or war like perils

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7. Jewellers Block Insurance7. Jewellers Block Insurance

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This is a package policy specially designed for This is a package policy specially designed for jewellers & diamontairesjewellers & diamontaires

The policy can be taken by jewellers who are The policy can be taken by jewellers who are wholesalers or retailers. wholesalers or retailers.

The policy cannot be given to establishments The policy cannot be given to establishments whose work is predominantly manufacturing like whose work is predominantly manufacturing like cutters and goldsmiths. cutters and goldsmiths.

The policy also cannot be given to angadias , The policy also cannot be given to angadias , brokers or pawn brokers etc. brokers or pawn brokers etc.

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The policy comprises four sections which are The policy comprises four sections which are optional except for section I which is optional except for section I which is compulsory.compulsory.

Section ISection I : loss or damage to jewellery , gold & : loss or damage to jewellery , gold & silver ornaments, pearls, precious stones due to silver ornaments, pearls, precious stones due to fire, explosion, lightning, burglary, theftfire, explosion, lightning, burglary, theft

Section IISection II : Covers loss or damage to jewellery, : Covers loss or damage to jewellery, gold etc. as described in Section I whilst it is in gold etc. as described in Section I whilst it is in the custody of the insured, his/her partners, the custody of the insured, his/her partners, employees, directors, or whilst such property employees, directors, or whilst such property (excluding cash and currency notes) is in the (excluding cash and currency notes) is in the custody of brokers, agents, cutters and custody of brokers, agents, cutters and goldsmiths.goldsmiths.

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Section III Section III : Covers loss or damage to : Covers loss or damage to property described in Section I whilst in property described in Section I whilst in transit by registered parcel post, air freight transit by registered parcel post, air freight or through angadia.or through angadia.

Section IVSection IV : Covers loss or damage to trade : Covers loss or damage to trade and office furniture and fixtures in insured and office furniture and fixtures in insured premises due to fire, explosion, theftpremises due to fire, explosion, theft

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Exclusions: Loss / damage to the insured property resulting from the Loss / damage to the insured property resulting from the

process of cleaning, repairing etcprocess of cleaning, repairing etc Shortage noticed at the time of stock takingShortage noticed at the time of stock taking Loss/damage when the insured property is at any public Loss/damage when the insured property is at any public

exhibitionexhibition Loss/damage while the insured property is worn or used Loss/damage while the insured property is worn or used

by the insured / family members/ partners / friendsby the insured / family members/ partners / friends Consequential losses, War and allied perilsConsequential losses, War and allied perils

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8. All Risk Insurance

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Though the cover is termed as an ‘All Risk Though the cover is termed as an ‘All Risk Cover’, this policy doesn’t cover all risks of Cover’, this policy doesn’t cover all risks of loss or damage. The policy contains several loss or damage. The policy contains several exceptions.exceptions.

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The policy mainly covers loss or damage by The policy mainly covers loss or damage by fire or burglary or theft or any other fire or burglary or theft or any other accidental or fortuitous circumstancesaccidental or fortuitous circumstances

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The policy is suitable for personal valuables, The policy is suitable for personal valuables, jewellery, antiques, paintings etcjewellery, antiques, paintings etc

One of the problems in All Risk policy is the One of the problems in All Risk policy is the basis of deciding the valuebasis of deciding the value

An important factor to be considered while An important factor to be considered while underwriting an All Risk policy is good moral underwriting an All Risk policy is good moral hazardhazard

Proposals should be entertained from those Proposals should be entertained from those whose integrity and reputation are beyond whose integrity and reputation are beyond doubtdoubt

Normally insurers provide ‘All Risk’ cover on Normally insurers provide ‘All Risk’ cover on accommodation basisaccommodation basis

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Exclusions:Some of the exclusions include;Some of the exclusions include; Loss due to wear and tear or other inherent defectsLoss due to wear and tear or other inherent defects Loss arising from repairing, restoring, renovation Loss arising from repairing, restoring, renovation

or cleaningor cleaning Breakage, Cracking or scratching of Crockery, Breakage, Cracking or scratching of Crockery,

Glass, Pictures, articles of brittle or fragile natureGlass, Pictures, articles of brittle or fragile nature Loss or damage due to delay, detention or Loss or damage due to delay, detention or

confiscation by customs or by other authoritiesconfiscation by customs or by other authorities Usual exclusions like war and allied perils, Usual exclusions like war and allied perils,

consequential losses, nuclear weapons material consequential losses, nuclear weapons material etc.etc.

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9. Package Policies

• House Holders PolicyHouse Holders Policy

• Office Package PolicyOffice Package Policy

• Shop Keepers Package policy etc.Shop Keepers Package policy etc.

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Package policies are designed by insurance companies to get a Package policies are designed by insurance companies to get a comprehensive cover under one single policy for various riskscomprehensive cover under one single policy for various risks

The insured doesn’t have to take a number of individual policies The insured doesn’t have to take a number of individual policies to cover various perilsto cover various perils

Substantial discounts are availableSubstantial discounts are available

For insurers, unnecessary administrative work can be avoidedFor insurers, unnecessary administrative work can be avoided

Low administrative expenses such as stamp fee and other policy Low administrative expenses such as stamp fee and other policy issuing expensesissuing expenses

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Some of the common package policies are;Some of the common package policies are;

House Holders Package PolicyHouse Holders Package Policy Office Package PolicyOffice Package Policy Shop Keepers Package Policy etc.Shop Keepers Package Policy etc.

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10. Travel Insurance

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Travel insurance is intended to cover medical expenses and financial and other losses incurred while traveling, either within one's own country, or internationally

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History of Travel Insurance The travel insurance industry has actually

been around for quite some time, more than a hundred years in fact.

The idea of travel insurance started in the United States

On April the first 1864, a man called James Batterson opened the doors of the world’s first travel insurance agency.

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The name of that business was The Traveler’s Insurance Company and its task was to ensure travelers against accidents and theft while they were traveling.

Since that time the face of the travel insurance industry has changed dramatically and there are all kinds of risks against which you can take out insurance.

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In India, the policy was introduced in 1984 In India, the policy was introduced in 1984 to cover medical expenses of Indian to cover medical expenses of Indian residents during their overseas trip for residents during their overseas trip for official or holiday purposeofficial or holiday purpose

The insurance scheme since 1984 has been The insurance scheme since 1984 has been modified from time to time to provide for modified from time to time to provide for additional benefits like PA, Loss of passport additional benefits like PA, Loss of passport etcetc

In 1991, Employment and Study policy was In 1991, Employment and Study policy was introduced for Indian citizens temporarily introduced for Indian citizens temporarily working or studying abroadworking or studying abroad

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Coverages Travel insurance coverage differs with each

insurance company. Some of the covers are basic and may be mandatory depending upon the country to which the traveler is traveling.

The most important part of the cover is medical travel insurance coverage. ie, Bodily injury and health related ailments, later comes baggage loss, personal liability and the other coverages

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Some of the covers offered by the insurers include;

Medical Expenses, Evacuation & Repatriation Medical Expenses - Necessary medical aid provided to

maintain life or provide relieve from pain/sickness/accidental injury

Medical Evacuation - Removing the insured from the place where he is currently stationed (abroad), to a hospital in India to provide medical facility & care

The cost of repatriating the insured’s remains to India, or upto an equivalent amount for burial or cremation of the insured in the country where the death occurred due to insured’s accident bodily injury /sickness/disease is also provided under this section

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Personal Accident - Covers Death & Permanent Disability

Loss of checked baggage - Covers total & complete loss of baggage checked in, by an International Airline (Covers baggage & contents excluding any valuable items)

Delay of checked baggage - Covers delay of checked baggage of more than 12 hrs, beyond the time of insured’s arrival at the intended destination outside India. Covers cost of emergency purchase of replacement items such as toiletries, medication & clothes

Loss of Passport - Covers reasonable & necessary expenses to obtain a duplicate passport or valid travel documents

Personal Liability -Accidental bodily injury/Accidental property damage

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Exclusions: Loss or damage caused by detention,

confiscation or destruction by customs and excise.

Any unlawful acts committed by you or traveling companions.

War, Nuclear radiation or radioactive contamination.

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Use of drugs, narcotics or alcohol, unless administered upon the advice of a licensed physician.

Fraud/misrepresentation/concealment in connection with the trip insurance application and/or claims processes.

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Delay of baggage when intended destination is in India

Pre-existing diseases, suicide, mental disorder, pregnancy.

Travel to a country for which Govt. of India has put restrictions

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Loss of passport due to detention by authorities

Loss of passport not reported to police within 24 hrs. after loss

Medical expenses beyond the expiry of the policy

Cost of spectacles, contact lenses, hearing aids

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Also, no claim will be paid if the insured Also, no claim will be paid if the insured person;person;

Is travelling against the advice of a Is travelling against the advice of a physicianphysician

Is travelling for the purpose of Is travelling for the purpose of obtaining medical treatmentobtaining medical treatment

Has received a terminal diagnosis for a Has received a terminal diagnosis for a medical conditionmedical condition

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Types of Travel Insurance

Insurance companies offer lots of cInsurance companies offer lots of customised policies which cater to the special needs of the individuals

Depending upon the frequency of travel, purpose of travel, travel period, no. of people travelling, insureds requirements, Sum Insured and premium, the insurance companies have designed various Travel insurance plans

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Some of them are;Some of them are; Single Trip Travel InsuranceSingle Trip Travel Insurance Annual Travel Insurance for frequent travellersAnnual Travel Insurance for frequent travellers Long stay Travel InsuranceLong stay Travel Insurance Group Travel InsuranceGroup Travel Insurance Business Travel Insurance/Corporate PlansBusiness Travel Insurance/Corporate Plans Student Travel InsuranceStudent Travel Insurance Leisure Travel InsuranceLeisure Travel Insurance Plans for Senior CitizensPlans for Senior Citizens Plans for Domestic TravellersPlans for Domestic Travellers Pravasi Bharatiya Bima YojnaPravasi Bharatiya Bima Yojna (for Indian emigrant who (for Indian emigrant who

goes abroad for employment purpose after obtaining goes abroad for employment purpose after obtaining emigration clearance)emigration clearance)

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11. Bankers Indemnity

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Banker’s Indemnity Insurance is a Banker’s Indemnity Insurance is a combination of several specific covers combination of several specific covers which provide protection to the banks which provide protection to the banks against various losses against various losses

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The Policy provides indemnity against the following;

Loss of money/securities on the insureds premises Loss of money/securities on the insureds premises due to fire, burglary, theft etcdue to fire, burglary, theft etc

Loss of money in transitLoss of money in transit Forgery or AlterationForgery or Alteration Dishonesty of the employeesDishonesty of the employees Hypothecated goodsHypothecated goods Registered Postal SendingsRegistered Postal Sendings Loss due to Infidelity of the agents, collectors etc Loss due to Infidelity of the agents, collectors etc

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Exclusions:

Loss due to wrongful act of directors or Loss due to wrongful act of directors or partners other than the salariedpartners other than the salaried

Trading lossesTrading losses War and allied perilsWar and allied perils Losses due to faulty computer programmingLosses due to faulty computer programming Losses due to ionising radiations, losses due Losses due to ionising radiations, losses due

to nuclear weapons material etcto nuclear weapons material etc

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12. Aviation insurance

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In view of the large premium and In view of the large premium and technicalities involved, Aviation is technicalities involved, Aviation is generally handled separately and not as a generally handled separately and not as a part of the miscellaneous departmentpart of the miscellaneous department

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The policy generally covers loss or damage The policy generally covers loss or damage to the aircraft and the legal liability to third to the aircraft and the legal liability to third parties and to passengers arising out of the parties and to passengers arising out of the operation of the aircraftoperation of the aircraft

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13. Event Insurance

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With the advent of professional event With the advent of professional event managers, there is now a more professional managers, there is now a more professional approach to the business of Event approach to the business of Event Management Management

The coverages are highly customised to suit specific requirements and differ with each insurance company.

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Generally insurance companies cover Generally insurance companies cover events like Musical events , Award events like Musical events , Award ceremonies , Product launches , Fashion ceremonies , Product launches , Fashion shows, Exhibitions etc under the Event shows, Exhibitions etc under the Event insuranceinsurance

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Event cancellation due to;Event cancellation due to; Loss or Damage to the Loss or Damage to the VenueVenue due to Fire, due to Fire,

Earthquake, Flood or CycloneEarthquake, Flood or Cyclone Riot occurring at the Riot occurring at the Venue Venue or within 25 or within 25

km radius of the km radius of the Venue Venue Named Artist’s Named Artist’s absence due to Accident absence due to Accident

or Illness requiring Hospitalisation or Illness requiring Hospitalisation Death of President of India/ Prime Death of President of India/ Prime

Minister of India / Chief Minister of the Minister of India / Chief Minister of the state where the state where the EventEvent is being held is being held

Cover for the equipmentsCover for the equipments Public LiabilityPublic Liability

Some of the basic coverages which the insurers provide under this policy include;

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Exclusions: Cancellation due toCancellation due to

Known CircumstancesKnown Circumstances Lack of fundsLack of funds Alterations or variations of the eventsAlterations or variations of the events Regulation or LawRegulation or Law Strikes or LockoutsStrikes or Lockouts Bodily InjuryBodily Injury due to the use of alcohol,self due to the use of alcohol,self

caused injuries etccaused injuries etc War,Nuclear actionWar,Nuclear action Criminal conductCriminal conduct Consequential lossesConsequential losses

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14. Wedding Insurance14. Wedding Insurance

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The coverages are highly customised to suit specific requirements and differ with each insurance company

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Some of the coverages include;

Wedding Cancellation or Postponement due to;Wedding Cancellation or Postponement due to;Fire&Allied perilsFire&Allied perilsAccident to Bride/GroomAccident to Bride/GroomAccident to Blood Relations of Bride/GroomAccident to Blood Relations of Bride/Groom

Damage to property – can include Residence Damage to property – can include Residence decoration, Hired venue, sets, decoration etcdecoration, Hired venue, sets, decoration etc

Personal Accident cover to named peoplePersonal Accident cover to named people Public Liability – Person/PropertyPublic Liability – Person/Property

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15. Film Insurance15. Film Insurance

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Making a film involves heavy investment Making a film involves heavy investment and consequently involves significant riskand consequently involves significant risk

Film insurance cover is tailor-made for all Film insurance cover is tailor-made for all aspects of the film industry aspects of the film industry

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Some of the coverages include;

Cover for the non appearance of named Artistes, Cover for the non appearance of named Artistes, Directors, Technicians etc due to death, accidents Directors, Technicians etc due to death, accidents etcetc

Coverage for Properties, Sets, Production Coverage for Properties, Sets, Production Equipments Equipments

Public LiabilityPublic Liability Personal AccidentPersonal Accident

These covers can be enhanced or modified to suit These covers can be enhanced or modified to suit specific requirements. specific requirements.

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16. Rural Insurance16. Rural Insurance

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Cattle Insurance Cattle Insurance Sheep & Goat InsuranceSheep & Goat Insurance Pet dog insurance Pet dog insurance Poultry Insurance Duck InsurancePoultry Insurance Duck Insurance Crop InsuranceCrop Insurance

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Various new schemes of Rural Insurance Various new schemes of Rural Insurance have also been devised by the companies.have also been devised by the companies.

Some of them are Insurance covers for;Some of them are Insurance covers for; PiggeryPiggery CamelsCamels ElephantsElephants RabbitsRabbits DonkeysDonkeys