All Risk Insurance Policy

This 'all risk' policy covers to your assets and equipment, whether they are on your premises or are being transported to another location. This policy reimburses for the repair or replacement of the insured property. This includes:

• Portable equipment, like laptops, cameras, mobiles, camcorders, etc.
• Fine arts
• Paintings
• Jewellery and valuables
• Antiques

Some of the circumstances that are covered under this policy include:

• Fire
• Riot and s​trike
• Burglary
• Theft
• ​Accidental damage

The geographical scope of the policy is India, unless it has been specifically extended to include a worldwide coverage (claims will be settled in INR).

Before the settlement of a claim under the All Risk Insurance, the company may make good on the settlement by reinstating or replacing any of the property stolen or repairing the premises damaged, instead of a cash settlement.

For a more detailed list of inclusions, please read the policy wordings.

The All Risk Insurance is a ‘named excluded perils’ policy, which means that there are some specified risks that are not covered by it. This list includes:

• War and nuclear events
• Willful acts
• Inventory losses
• Defective design
• Consequential loss
• Legal liability of any kind
• Terrorism
• Delay, detention, or confiscation by Customs or other authorities

For a more detailed list of inclusions, please read the policy wordings.