Protection structured around real-world risk.
Comprehensive multi-peril insurance consolidating property damage, burglary, cash in transit, electronic equipment, machinery breakdown, and third-party liabilities under a single customized policy with composite premium discounts.
GITVISHA · RISK ADVISORYCommercial and personal risks rarely follow idealized assumptions. These are the critical financial pitfalls, claim traps, and operational vulnerabilities that proper policy structuring actively mitigates.
High electrical loads, aging transformer panels, or overheated machine bearings igniting nearby packaging or combustible stock.
Insuring factory buildings or machinery at historic balance-sheet book value instead of true current replacement cost.
Severe cloudbursts, blocked municipal drains, or river overflows inundating ground-level factory floors and basements.
These are discussion points, not a promise that every risk is covered. Final cover depends on policy wording and insurer acceptance.
Standard Fire & Special Perils (SFSP) covering structures, fit-outs, plant, furniture, and stock against fire, flood, storm, and earthquake
Violent, forcible entry or armed holdup of stock, raw materials, office equipment, and business contents
Protection for cash, cheques, and currency notes during bank transit or locked overnight in burglar-resistant safes
Server racks, desktop computers, EPABX, POS terminals, and communication systems against sudden electrical or physical damage
Critical facility utilities including diesel generators, central air conditioning chillers, water pumps, and elevators
Third-party premises liability for visitor injuries, plus direct financial loss from salaried employee fraud or embezzlement
The right structure starts with understanding your assets, operations, people and contractual responsibilities.
Compare more than price. Review limits, deductibles, exclusions and policy conditions.
Eligibility requirement: Selection of at least 4 distinct sections to earn multi-section package premium discounts (typically 10% to 25%)
Accurate asset valuation split between building, interior tenant fit-outs, declared stock, and electronic data media
Night security warranties: 24x7 watch-and-ward, functioning CCTV surveillance, and rated safe specifications for cash limits
Building construction classification (RCC/Class A vs non-standard) to ensure valid underwriting rating
Need more clarity? Send us your requirement and our team can help explore the next step.
Ask our teamA Commercial Package Policy is a modular, multi-section insurance solution designed for commercial establishments, offices, and retail businesses. Instead of purchasing separate policies for fire, burglary, money, electronics, and public liability, a package policy unites all these protections under a single contract with a single renewal date and discounted composite pricing.
A package policy offers major cost savings through package discounts (typically 10% to 25% off standard tariffs when 4 or more sections are selected), eliminates jurisdictional disputes between multiple insurers during a complex incident, and simplifies administrative renewal management under one schedule.
Yes. Package policies are inherently flexible. While Section I (Fire & Special Perils) is usually mandatory, you can freely select other sections—such as Burglary, Money, Electronic Equipment, Machinery Breakdown, Plate Glass, or Public Liability—to mirror your exact operational exposures.
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