This policy has been specially designed for offices / cooperate establishments and includes a number of covers such as Workman’s Compensation, Electronic All Risk, Public Liability and Money in Transit types of Insurance.

Apart from the standard Fire perils a number of additional covers such as “material all risk cover” have been included and is offered as a single package to reduce the workload of maintaining a number of policies by the insureds.

The Office Guardian is a total solution and a must for every organization as its coverage exceeds every policy that is presently available in the market.

	Buildings and permanent fixtures and fittings
	Equipment
	Furniture and fittings
	Electronic equipment

Standard Covers      
Fire & Lightning, Explosion, Earthquake, Cyclone, Storm & Tempest, Flood, Hurricane, Tornado, Tidal Waves, Tsunami, Volcanic Eruption, Collision, Malicious Damage, Impact Damage, Aircraft Damage, Bursting & Overflowing of water Tanks Apparatus.

	Loss of Gross Profit upto Rs 25Mn
	Rent receivable - 15% of Building sum insured.
	Book debts - Rs 500,000/-
	Increased cost of working as well as alternative accommodation - Rs 500,000/-
	Money In Transit - up to Rs.200,000/-
	Money in safe - Rs 200,000/-
	Non receipted cash within insured's premises - Rs 25,000/-
	Personal assault and death to employees - Rs 500,000/-
	Public liability - Rs 1 Mn
	Workmen's Compensation
	'‘Key man’ – Personal Accident
	Glass Insurance (Accidental Breakages of fixed Glass)
	Burglary

	Employee Dishonesty cover - upto Rs.100,000/- per employee. (Aggregate limit - Rs.300,000/-)
	Riot & Strike
	Terrorism
	Personal Accident cover for employees