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Industrial Risks Insurance Policy covers Industrial units against accidental loss or damage to the plant, machinery, stock and building and against loss for consequential business interruption.
Risks of Fire, Burglary, Machinery Breakdown / Boiler Explosion / Electronic Equipment Breakdown are covered under the material damage section.The business interruption section in the policy covers a loss in gross profits when regular business operations are interrupted by a fire or allied perils or by loss/damage or breakdown of machinery.
Architects', Surveyors and Consulting Engineers' Fee clause, Designation of Property, Escalation, Omission to insure additions, alterations or extensions, Temporary Removal of Stocks etc. are also available as per requirement and on payment of additional premium under the material damage section. Suppliers' and Customers' Premises extension etc. are also available as per requirement and on payment of additional premium under the business interruption section.
Interruption of the water supply, gas, electricity or fuel systems or failure of the effluent disposal systems
Collapse or cracking of buildings
Coastal or river erosion
Willful act or gross negligence of the insured
Cessation of work, delay
War, warlike operations
The destruction of property by order of any public authority
Disclaimer The above exclusions are indicative in nature, for detail exclusions please refer to the policy wordings.
Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings.
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