This policy is applicable to small shopkeepers who may be to any
of the exposed to the following hazards
- Pedal
cycles
- Baggage
while on travel
- Neon
sign and glow sign
- Plate
Glass
- Accidental
injury causing death/disability
- Money
in transit
Perils
Covered:
Pedal Cycles
Fire, lightning, explosion, riot, strike and acts of God, malicious
damage,burglary, house breaking,theft, external accident and also Legal
liability with a limit of Rs.10,000/-.
Baggage
while in travel
Loss of baggage due to accident or misfortune.
Neon sign/Glow sign
Fire, Accidental damage, riot, strike and Malicious Act and or theft.
Plate
Glass (Fixed)
Breakage due to accident.
Personal Accident
Accidental injury causing death or disablement or loss of limb,total/partial.
Money
in Transit
Loss due to accident or misfortune.
Building and contents
Fire, lightning, riot, strike, acts of God,and malicious damage,
impact damage, explosion of gas in domestic appliances, overflow of water
tanks, burglary, house breaking and theft.
Payment One Recieves From Policy
Actual extent of loss/damage to property under respective sections
chosen; sum insured under respective sections are the limits.
- Limit
of liability to third party for Personal injury/Property damage is
upto Rs.10,000/- under Pedal Cycle section.
P.A Section:
If injury directly/solely causes within 12 months of its occurrence:
- Death/loss
of two limbs/ eyes/ total permanent disablement : Full sum insured.
- Loss
of a hand/foot/eye /use of hand/foot : 50% Sum Insured
- Specified
Percentage (%) of Sum Insured in other cases of permanent disablement
(partial).
- Weekly
benefits (Rs.3000/- max.) upto 104 weeks payable for Temporary Total
Disability.
General
Exclusions
- Wear
and tear, depreciation, consequential loss.
- Gross
and willful negligence of insured.
- War
and war like perils .
- Loss/damage/liability
where Insured’s family or insured’s employee are involved as principal/accessory.
- Violation
of policy conditions .
- Intentional
act/self injury/ influence of drug/intoxicant.
- Nuclear
perils.
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