• All the employees who have been named in the policy are also insured against accidental death or injury. This saves you from your third-party liability as our company would reimburse for their treatment or death (up to the limit specified).
• Any losses that would have to be incurred by you due to dishonesty or fraud committed by an employee could have the potential to ruin your business altogether. This in turn can cause significant losses to you. With the Trade Insurance Policy, you are protected against any such happening.
• When you are not in your office and suddenly some untoward incident occurs, such as fire or burglary, it can cause significant losses. With Trade Insurance Policy, such untoward incidents are covered.
• You are safe against any direct loss of money due to theft or dacoity.
• If you are involved in an accident, our policy will safeguard you and your family against any expenses that might be incurred for your treatment. In case of any tragic accident resulting in death, your family would be reimbursed the insurance amount, up to the specified limit.

• You should carefully understand these general exclusions that govern the whole policy and the various perils. These are in addition to the section-wise exclusions. Any claims that fall under any of these exclusions shall not be processed.
• The damage that has been afflicted due to an act of war, civil unrest, foreign invasion, the act of enemy, confiscation, civil commotion, loot or pillage or any other similar activity shall not be covered under the policy.
• Any damage that has been caused due to confiscation of requisitioning or demolition by the orders of the Government or equivalent authority is not covered.
• Any injury, damage to property, illness, disease, bodily injuries caused directly or indirectly by the following elements is not covered: -
  • Contamination from radioactivity from nuclear fuel, nuclear waste or burning of any nuclear fuel.
  • Exposure to Ionizing radiation.
  • Toxic, Radioactive, explosive or other hazardous properties of any dangerous nuclear component or nuclear assembly.
• Any damage that has been caused due to wear and tear or the commodity has deteriorated gradually, or slowly developed flaws are not covered.
• Any consequential losses that have to be suffered due to instances such as reduction in market value of the goods are not covered.
• Any claim that arises out of damage that has been caused by the commencement of policy coverage is inadmissible.
• If any item is a part of a set and the set has been damaged. Then the pieces of the set that have not been damaged will not be compensated for.

We reserve the right to cancel the policy by sending a 15 days’ written notice to your last updated registered address. In such a scenario you will be entitled to refund of the premium on a pro-rata basis from the date of cancellation of the policy to the period remaining. This refund is payable on demand only and shall be processed only if we receive a written intimation from your side.

In case you are no longer interested in enjoying the coverage provided by our policy, you are at your discretion to cancel the policy by giving a 15-days written notice to us at our registered address.

• You are safe from significant monetary losses that would otherwise have to be incurred out of your own pocket. This saves you from a lot of potential losses and offers significant peace of mind.
• All the employees who have been named in the policy are also insured against accidental death or injury. This saves you from your third-party liability as our company would reimburse for their treatment or death (up to the limit specified).
• Any losses that would have to be incurred by you due to dishonesty or fraud committed by an employee could have the potential to ruin your business altogether. This, in turn, can cause significant losses to you. With the Trade Insurance Policy, you are protected against any such happening.
• When you are not in your office and suddenly some untoward incident occurs, such as fire or burglary, it can cause significant losses. With Trade Insurance Policy, such untoward incidents are covered.
• You are safe against any direct loss of money due to theft or dacoity.
• If you are involved in an accident, our policy will safeguard you and your family against any expenses that might be incurred for your treatment. In case of any tragic accident resulting in death, your family would be reimbursed the insurance amount, up to the specified limit.