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| 1 | Industrial All Risk Policy |
| 2 | Basic Premium |
| 3 | STFI Premium |
| 4 | Earthquake Premium |
| 5 | Add On Premium |
| 6 | Designation Of Property Clause |
| 7 | Local Authority Clause |
| 8 | Reinstatement Value Clause |
| 9 | Architects, Surveyors and Consulting Engineer's Fees upto 7.5% of the claim amount maximum of INR 5 Crs each & every loss and in aggregate |
| 10 | Debris removal clause upto 10% of claim amount subject to a maximum of INR 5 Crs each & every loss and in aggregate |
| 11 | 72 hours clause |
| 12 | Claim Preparation Cost Upto 5 crore |
| 13 | Forest Fire |
| 14 | Leakage & Overflowing maximum of INR 5 Crores for each and every loss |
| 15 | Leak Search Costs INR 5 Crores for each and every loss. |
| 16 | Exploratory Cost INR 5 Crores for each and every loss. |
| 17 | Shut Down/Start up Cost INR 5 Crores for each and every loss |
| 18 | Expediting expenses including express freight and airfreight INR 5 Crores for each and every loss. |
| 19 | Loss Minimization Expenses INR 5 Crores for each and every loss |
| 20 | Escalation @ 5% (5% of the Value of Fixed Assets other than Stocks) |
| 21 | Omission to Insure addition, alteration and extension (5% of the Value of Fixed Assets other than Stocks) |
| 22 | Immediate Repairs INR 5 Crores for each and every loss. |
| 23 | Civil Authority Clause INR 10 Crores for each and every loss. |
| 24 | Extinguishing Expenses/ Firefighting expense- 5% of Sum Insured subject to Maximum of Rs. 5cr. |
| 25 | Involuntary betterment / Technological improvement-5% of Sum Insured subject to Maximum of Rs. 5cr. |
| 26 | Obsolete equipment / spare parts- 5% of Sum Insured subject to Maximum of Rs. 5cr |
| 27 | Decontamination and cost of clean up-5% of Sum Insured subject to Maximum of Rs. 5cr. |
| 28 | Temporary Removal for repair/ refurbishment-5% of Sum Insured subject to Maximum of Rs. 5cr. |
| 29 | Goods held in Trust-Upto 5 cr |
| 30 | OEM part-Upto Rs. 5cr. |
| 31 | On Account Payments Upto 70% on surveyors recommendation |
| 32 | Auditors fees- Upto INR 5 Cr. |
| 33 | Additional increased cost of working- Upto INR 5 Cr. |
| 34 | Extension to cover Customers’ premises @20% of BI sum insured on named basis |
| 35 | Extension to cover loss due to accidental failure of Public utilities @17% of BI sum insured- upto INR 5 Cr. |
| 36 | Prevention of Access 28 days over & above policy excess- upto INR 5 Cr. |
| 37 | Machinery Breakdown |
| 38 | Fire Loss of Profit |
| 39 | Machinery Loss of Profit |
| 40 | Control of Damaged Property |
| 41 | Expiration |
| 42 | Minor works/Property in course of construction Up to INR 5 Crs |
| 43 | Primary & Non-contributory |
| 44 | Margin Clause |
| 45 | Automatic Capital Addition without additional premium Up to INR 5 Crs |
| 46 | Deliberate Damage Up to INR 5 Crs |
| 47 | Automatic Reinstatement without additional Premium Up to INR 5 Crs |
| 48 | Offsite Premises Up to INR 5 Crs |
| 49 | Impact Damage due to Insured’s own Rail/Road Vehicles, Fork lifts, Cranes, Stackers and the like and articles dropped therefrom - Inbuilt Cover under IAR |
| 50 | Unrepaired Damage - Up to INR 5 Crs |
| 51 | Restoration of Record, Plans & Documents Up to INR 5 Crs |
| 52 | Land Stabilization Cost Up to INR 5 Crs |
| 53 | Landscaping Costs following Damage Up to INR 5 Crs |
| 54 | Leakage of Firefighting Equipment/Accidental of Gas Flooding System Up to INR 5 Crs |
| 55 | Demolition & increased cost of construction Up to INR 5 Crs |
| 56 | Destruction of Sound Property Up to INR 5 Crs |
| 57 | Cost of Clearing of Drains Up to INR 5 Crs |
| 58 | Crane, Fire Brigade Up to INR 5 Crs |
| 59 | Employee Personal Property/Effects Up to INR 5 Crs |
| 60 | Additional Expenses of Rent for Admin Block Only Up to INR 5 Crs |
| 61 | Sprinkler Upgrading Cost Up to INR 5 Crs |
| 62 | Dismantle costs Up to INR 5 Crs |
| 63 | Accidental Damage Cover Up to INR 5 Crs |
| 64 | Foreign/Indian Experts Visits Expenses Up to INR 5 Crs |
| 65 | Outbuilding Clause Up to INR 5 Crs |
| 66 | Green Clause Up to INR 5 Crs |
| 67 | Supplier's Premises Extension for named Supplier Up to 20% of BI Sum Insured for FLEXA Perils & AOG Perils |
| 68 | Overhaul/Maintenance/Shut Down - Up to INR 5 Crs |
| 69 | Delay in Repair Up to INR 5 Crs |
| 70 | Alternative Basis Clause |
| 71 | New Unit Clause |
| 72 | Nominated and Adjuster Clause |
| 73 | Delayed Indemnity Period up to 6 months |
| 74 | Aggravation Clause |
| 75 | Unoccupancy Clause Up to 30 Days |
| 76 | NON-INVALIDATION CLAUSE |
| 77 | NON - VITIATION CLAUSE |
| 78 | Additional Custom Duty |
| 79 | Rent for Alternative Equipments |
| 80 | Replacement from Spares |
| 81 | Smoke Damage |
| 82 | Damages to Underground Services |
| 83 | Inhibition Costs/Damage by Emergency Services |
| 84 | Accidental Discharge of Gas Flooding Systems |
| 85 | Dewatering Expenses |
| 86 | Decontamination and Cost of Clean Up Expense |
| 87 | PLI Act Policy |
| 88 | Annual Premium |
| 89 | Commercial General Liability Policy |
| 90 | Basic Premium |
| 91 | Defense Cost - Full Policy Limit |
| 92 | General Liability |
| 93 | Completed Operation Cover |
| 94 | Personal and Advertising Injury Cover - Up to 50% of LOI |
| 95 | Medical Expenses Cover - Up to INR 5 Lakhs per person |
| 96 | Damage to Premises Rented to Insured - Full Policy Limit |
| 97 | Fire Damage - Up to 50% of LOI |
| 98 | Act of God Perils Extensions – Full Policy Limit. |
| 99 | Food & Beverages Extension – Full Policy Limit |
| 100 | 72 Hours Sudden and Accidental Pollution Extension including clean up expenses - Full Policy Limit |
| 101 | Terrorism Legal Liability Extension – Up to 50% of LOI |
| 102 | Cross Liability |
| 103 | Tenant Legal Liability |
| 104 | Effluent Discharge Extension: upto 15 kms |
| 105 | Evacuation Expenses - Up to 50% of LOI |
| 106 | Cover for Contractors and Sub-Contractors |
| 107 | Non-owned Hired Automobile Liability Extension – Up to 50% of LOI |
| 108 | Additional Insured Clause |
| 109 | Waiver of Subrogation where required by Contract |
| 110 | Travel of executive for non manual work. - Up to 50% of LOI |
| 111 | Property under care, custody, and control cover – Up to INR 5 Crs. |
| 112 | No designated premises (“All premises leased, owned, rented and occupied by the Insured will be covered under this Policy |
| 113 | Claim Series Clause |
| 114 | Coverage for minor/civil work repair and renovation – Up to 50% of LOI |
| 115 | Control Group Clause |
| 116 | Transportation Legal liability extension including Pipeline - Full Limit |
| 117 | Incidental medical malpractice extension - Up to 50% of LOI |
| 118 | Non-Cancellable Clause |
| 119 | Mitigation Expenses, Cleaning costs – Up to INR 5 Crs. |
| 120 | Tools and Equipment including Cranes & forklift Extensions – Up to INR 5 Crs |
| 121 | Valet Parking coverage – Up to INR 5 Crs. |
| 122 | Garage Keepers Liability Coverage – Up to INR 5 Crs. |
| 123 | Primary & Non – Contributory |
| 124 | Extended Reporting Period - 90 days at Nil Premium and for 365 days 50% of Annul Premium. |
| 125 | Technical Colaborators Extension |
| 126 | Standalone Terrorism Policy |
| 127 | Basic Premium - Property Damage |
| 128 | Business Interruption |
| 129 | Omission to Insure addition, alteration and extension (5% of the Value of Fixed Assets other than Stocks) |
| 130 | Escalation @ 5% (5% of the Value of Fixed Assets other than Stocks) |
| 131 | Removal of Debris up to Rs. 5 Crs. |
| 132 | Architects' Surveyors & Consulting Engineers' fees up to Rs. 5 Crs. |
| 133 | Expediting Expenses (including Air Freight & Express Freight up to Rs. 5 Crs. |
| 134 | Terrorism Legal Liability up to Rs. 26 Crs. |
| 135 | Plans, Documents & Computer Records up to Rs. 5 Crs |
| 136 | Fire Fighting Expenses up to Rs. 5 Crs |
| 137 | Changes in Values and Automatic Additions up to Rs. 5 Crs. |
| 138 | Loss / damage caused by measures taken to prevent, suppress or control actual or potential terrorism or sabotage up to Rs. 5 Crs. |
| 139 | Public Authorities Clause |
| 140 | Demolition & Increased Cost of Construction up to Rs. 5 Crs. |
| 141 | Departmental Clause |
| 142 | Counter Insurgency Clause |
| 143 | Directors & Officers Liability Insurance |
| 144 | Basic Premium |
| 145 | Investigation costs – Full Limit |
| 146 | Outside entity directors cover (as per form) |
| 147 | New subsidiaries cover – 35% of the assets |
| 148 | Pollution Defense Cost Cover – Full Limit |
| 149 | Kidnap Response Cover - Limit up to Rs. 2Crs |
| 150 | Spouses, heirs & Representative cover - Full Limit |
| 151 | Regulatory crisis response costs – Full Limit |
| 152 | Emergency costs -Limit up to Rs. 2Crs |
| 153 | Insured Vs Insured Defense Cost |
| 154 | Extended Reporting Period - 90 days at Nil Premium and for 365 days 50% of Annual Premium. |
| 155 | Retired and Resigned Director’s discovery period – Lifetime |
| 156 | Special excess protection for non-executive directors – Rs. 20,000,000 per non-executive director over and above limit of Liability |
| 157 | Assets and liberty costs extension including prosecution costs, bail bond and civil bond expenses, damage to reputation - Full Limit |
| 158 | Future occurring Private Placement |
| 159 | Major Shareholder exclusion up to 25% |
| 160 | Entity Security Cover and Entity EPLI cover full Limit within India |
| 161 | Public Relations Expenses - Full Limit |
| 162 | Psychological Support Expenses cover 50 Lakhs per director, 1 Cr in aggregate |
| 163 | Order of Payment Clause |
| 164 | Tax liability Extension up to 50% of LOI |
| 165 | Occupational Health and Safety Costs- Defense Costs and Legal Expense |
| 166 | Corporate Manslaughter Cover |
| 167 | Bodily Injury/ Property Damage - Defense Costs and Legal Expense |
| 168 | Management Buy-outs extensions-60 days |
| 169 | Automatic Run-off extension – 30 days for any subsidiary ceasing to be a part of the parent company |
| 170 | No Insolvency Bankruptcy exclusion |
| 171 | Pre-investigation Cost - 10% of LOI |
| 172 | Insured Definition to include Temporary/consultant/contractual employee |
| 173 | Definition of Insured amended to include Members of Statutory committees who may not be Directors & Officers - eg. POSH Committee |
| 174 | Mitigation costs - 10% of LOI |
| 175 | Primary & Non-Contributory |
| 176 | Cover for Fines & Penalties where not insurable by law - 50% of LOI |
| 177 | Crisis Management Cover - 50% of LOI |
| 178 | Interpretive Counsel costs - 10% of LOI |
| 179 | Advancement of Defence Cost - Within 30 days |
| 180 | UK Bribery and US FCPA Cover - 10% of LOI |
| 181 | Counseling Extension - INR 1,000,000 Per Insured Person and INR 10,000,000 in aggregate |
| 182 | Witness Cover (Reasonable travel cost and living expenses) - INR 10,000,000 per individual and in aggregate Please Enable Macros to View BoQ information |
