The ICICI Lombard Shop Insurance is a comprehensive policy for the shop owner and the shop. Under this policy both the structure and the contents of the shop are covered. It gives financial protection if any mishap like fire, earthquake, burglary, fraud etc takes place. It also renders compensation for the claims of liability and benefits of accident.
Under the ICICI Lombard Shop Insurance certain things are covered. Those are:
• Fire (Building and Contents) – The losses covered by fire, riot, strike, lightning, flood, storm, cyclone, terrorism etc are covered.
• Burglary – It protects the contents in the shop against any loss or damage caused by burglary and also the cash kept in the safe.
• Cash in transit – the losses caused due to burglary in cash while carrying it from the ATM or bank are covered.
• Glass breakage – It covers the losses or damage to the fixed plain glasses caused due to any external or internal accident.
• Damage to neon sign – It covers the neon or glow signs exposed at the location of the shop to against, damage, fire, accident, riot etc.
• Cheque forgery – The forgery caused due to material alteration of cheques and drafts and other negotiable instruments drawn in favor of the shop are covered.
• Fidelity – It covers the direct financial losses caused due to fraud by the regular employees.
• Tenant’s legal liability – it provides the cover for the legal liability imposed by the owner of the property on account of any damage.
• Employer’s liability – It covers the legal liabilities of the employees.
The beneficiary feature of ICICI Lombard Shop Insurance is that it covers certain additional option available in making the most comprehensive policy.
The liabilities excluded under these policies are:
• Atmospheric conditions
• Damage or destruction caused by war perils
• Wear and tear
• Willful destruction of property by the following
Bajaj Allianz General Insurance Company Ltd. is a joint venture between Bajaj Finserv Ltd. And Allianz, SE. the company was merited with the certificate of registration by Insurance Regulatory and Development Authority (IRDA) on 02 May, 2001 to escort the general and health insurance business in India. The company holds an accredited and paid up revenue of Rs.110 crores, wherein Bajaj Finserv Ltd holds 74% and rest of 26% are held by Bajaj Allianz, SE. Bajaj Allianz General Insurance maintained its reputation in the insurance industry by the profitable income of Rs.2578 crore last year, achieving the growth of 43%. Profit Before taxes was 167 crore and it also proudly became the first company to cross the 100 crores mark in profit after tax by executing 105 crores.In the first quarter of 2008-2009, the company earned agross premium of Rs. 733.53 crores as compared to Rs 573.73 crore last year for the same period registering a growth of 28%.
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Apart from individual policies, Apollo DKV Insurance also offers products for corporates. With its being philosophy Let’s Stay Healthy’, the insurance company believes in imbibing the components of wellness and prevention in each of its products and services. The unique array of its products has been developed to keep the health-related risks of the customers at bay. Along with health, personal accident and travel policies, Apollo DKV Insurance also plans to roll out out-patient care, long-term care and disease management solution.
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Apollo DKV Insurance Company Limited offers a wide and comprehensive range of innovative insurance products, covering the arena of health, travel and personal accident. With a presence in all the key cities of India, the insurance company aims to provide the best service to its customers. It has further plans of increasing its network, with 100 offices at different locations. It offers policies on a ‘Cashless Basis’ in over 4000 hospitals across India, including the 42 Apollo hospitals, and on a Reimbursement Basis’ in all the hospitals of the country.
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Shop Insurance | admin April 28, 2011 | 
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