Industry Care Package Insurance Policy- Reliance General Insurance

It’s always wise to get your business insured. Rather than losing heavily due to the risks that your enterprise is exposed to, it’s better to be prepared in advance. The Reliance Industry Care package is a perfect insurance policy that gives you ample cover and the liberty to select the type of cover that you require for your business.

• Facilitates cover for various risks through a single document
• Extensive coverage of different risks
• Choice of selecting the type of cover that you want
• Available for small and medium size industries
• Sum insured upto Rs 100 crores on a single location
• Easy documentation for your convenience​

​This policy covers your business against:

• Fire and Allied Perils covers the structure of your business premises and contents therein, against:

- Fire
- Lightning
- Explosion/implosion
- Aircraft damage
- Riot, strike, and malicious damage
- Storm, cyclone, typhoon, tempest, hurricane, tornado, flood, and inundation
- Impact damage
- Subsidence and land-slide including rock-slide
- Bursting and/or overflowing of water tanks, apparatus, and pipes
- Missile testing operations
- Leakage from automatic sprinkler installation
- Bush fire
- Earthquake (fire and shock)

• Business Interruption

- Covers business losses that occur due to fire and allied perils

• Machinery Breakdown

- Cover for breakdown of electrical/mechanical appliances
- Cover for your apparatus or gadgets in your premises

• Electronic Equipment and Appliances

- Provides all-risk cover for electronic appliances such as medical equipment
- Cover for loss of electronic installations, data carrying material, and software

• Burglary and Housebreaking

- Cover for housebreaking, theft, and larceny of office contents

• Money Insurance

Provides coverage for loss of money due to accidents or a misfortune while it is in:
- Transit from the business premises to bank and vice versa
- A safe at the business premises
- A till at the business premises

• Goods in Transit

- Covers inward transit of raw materials, finished and semi-finished goods, spares, consumables, etc.
- Compensates the outward transit of finished goods

• Personal Accident

- Compensation for accidental death or bodily injury to all employees
- Education grant and carriage of dead body are also paid for

• Infidelity/ Dishonesty of employees

- Covers loss or damage caused by the dishonest acts of employees

• Legal Liability - To employee

- Compensation for accidents arising out of and in the course of employment
- Provides cover for legal liability to third parties

The policy does not cover:

• Loss or damage due to war and nuclear perils
• Loss or damage due to wear and tear and gradually-developing flaws
• Consequential loss of any kind
• Excess as specified
• Loss without substantiation or mysterious disappearance