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Burglary

Policy is designed to cover business premises only like godown, factory, office etc.

 

Highlights

Policy is designed to cover business premises only like godown, factory, office etc. There are three types of policies available :-

  • Full Value Insurance: The policy must be effected for the full value of the property to be insured.
  • First Loss Insurance: In the event of improbability of total loss, proposer can opt for a percentage of total stocks to be insured.
  • Stock Declaration Policies: These policies are given where large stocks frequently fluctuate in quantity during the year. The sum insured is fixed at the maximum value of stocks which the insured anticipates he will hold at any one time. A deposit premium of 100% of the annual premium will be paid at the beginning of the insurance. Monthly declarations of value are to be sent to the company and the "deposit" premium will be adjusted at the end of the policy period based upon the average of the monthly declarations.

 

Scope

The company shall not be liable in respect of :

  • Gold, watches, jewellery, precious stones, plans, designs, money, business books etc. unless specifically insured.
  • Loss or damage where any insured or member of the insured's household or of his business staff is concerned in the actual theft or damage.

 

The policy shall cease to attach:

  • If the premises are left uninhabited for 7 or more consecutive days and nights.
  • In the event of material alterations to the premises whereby the risk is increased.
  • If the insurable interests has passed from the insured otherwise by will or operation of law.

 

Who can take the policy?

If a misfortune befalls, leave the worry to us but please intimate such loss/damage immediately to Zoom Insurance Brokers (info@zoominsurancebrokers.com)so that a Competent Surveyor may be deputed to minimize the loss.

 

How to claim?

If a misfortune befalls, leave the worry to us but please intimate such loss/damage immediately to Zoom Insurance Brokers (info@zoominsurancebrokers.com)so that a Competent Surveyor may be deputed to minimize the loss.

 

ADDRESS

  • Zoom Insurance Brokers Private Limited,
    Zoom House, 621, Phase – V, Udyog Vihar,
    Gurugram – 122016. INDIA.
  • info@zoominsurancebrokers.com
  • www.zoominsurancebrokers.com