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Office & Professional Establishment Protector Insurance

The single package policy to cover you against a wide range of risks

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Office & Professional Establishment Protector Insurance Policy

IFFCO-Tokio's Office & Professional Establishment Protector Insurance is just the right kind of Policy to provide protection against these uncertainties.

Our Office & Professional Establishment Protector Policy gives complete protection to your business against a wide range of risks and perils. By opting for this single package Policy, you will be covered against almost all risks that you may normally encounter while carrying out your business or profession. This Policy has 12 Sections which provide comprehensive protection for your office assets, interests, liability as well as for your self, your directors, partners and employees. The Sections are:

  • Fire and Allied Perils. (Section 1)
  • Burglary and other Perils. (Section 2)
  • Money and Fidelity Guarantee. (Section 3 A/B)
  • Fixed Glass and Sanitary Fittings. (Section 4)
  • Electronic Equipment/Reinstatement of Data and Software. (Section 5A/B)
  • Television/Video Equipments and Portable Computer/Mobile phone. (Section 6A/B)
  • All Risks. (Section 6 C)
  • Breakdown of Electrical/Mechanical Appliances. (Section 7)
  • Personal Accident. (Section 8)
  • Business interruption and Increased Cost of Working. (Section 9)
  • Baggage. (Section 10)
  • Liability. (Section 11 A/B/C)
  • Professional Indemnity. (Section 12)

Some of the important Exclusions under the Policy are as follows:

  • Damage as a consequence of war, invasion, the act of a foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, etc.

  • Any damage due to confiscation, commandeering, requisition or destruction by order of any government or lawfully constituted authority.

  • Any damage directly or indirectly caused by or contributed to or arising from ionizing radiation or contamination by radioactivity.

  • Depreciation and damage caused by wear and tear or gradual deterioration.

  • Damage to property and contents due to pollution of any kind.

  • Besides these, there are some other Exclusions that are specific to particular Sections of the Policy.

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