INSURANCE · RISK · ADVISORY

Package Policy.

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.

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Thoughtful advice. Clear options. Support through the policy journey.

Commercial enterprise building, modern business facility and commercial package protection

GITVISHA · RISK ADVISORY

Risk, understood.Start with what matters

Cover that fitsSubject to policy terms

CRITICAL VULNERABILITIES & EXPOSURES

Real-world risks this policy is engineered to solve.

Commercial 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-Impact Vulnerability01

The Multi-Policy Coverage Gap & Cross-Insurer Dispute

Maintaining disconnected standalone policies across multiple insurers for fire, burglary, money, and third-party liabilities with mismatched condition clauses.

Impact: In an incident involving forced entry followed by arson, insurers dispute proximate causation, freezing claim payouts for 12+ months.

Policy Solution: Commercial Package Policy consolidating property, crime, electronics, and premises liability under a single unified master wording.

High-Impact Vulnerability02

Festive Cash Surge & Safe Limit Breach Repudiation

High weekend or festive turnover accumulating cash in the premises safe far beyond standard policy overnight safe limits before bank deposit.

Impact: Burglary theft claim is repudiated or severely adjusted because declared cash in safe exceeded the strict policy warrantied ceiling.

Policy Solution: Customized seasonal surge endorsements providing automatic 50% to 100% temporary escalation of money-in-safe limits during peak trading periods.

High-Impact Vulnerability03

Omission of Ancillary Sections Leaving Fit-outs & Glass Uninsured

Relying on basic fire stock insurance while leaving expensive architectural plate glass, neon signage, and custom tenant fit-outs uncovered.

Impact: Heavy capital drain when civil disturbances or accidental glass breakage forces immediate out-of-pocket store reconstruction.

Policy Solution: Integrated multi-section package bundling plate glass, neon sign, and tenant's legal liability at low bundled composite rates.

UNDERSTAND YOUR OPTIONS

Protection begins with the right questions.

These are discussion points, not a promise that every risk is covered. Final cover depends on policy wording and insurer acceptance.

Section I – Building & Business Contents

Standard Fire & Special Perils (SFSP) covering structures, fit-outs, plant, furniture, and stock against fire, flood, storm, and earthquake

Section II – Burglary, Housebreaking & Robbery

Violent, forcible entry or armed holdup of stock, raw materials, office equipment, and business contents

Section III – Money in Transit & Safe

Protection for cash, cheques, and currency notes during bank transit or locked overnight in burglar-resistant safes

Section IV – Electronic Equipment (EEI)

Server racks, desktop computers, EPABX, POS terminals, and communication systems against sudden electrical or physical damage

Section V – Machinery Breakdown (MBD)

Critical facility utilities including diesel generators, central air conditioning chillers, water pumps, and elevators

Section VI – Public Liability & Fidelity Guarantee

Third-party premises liability for visitor injuries, plus direct financial loss from salaried employee fraud or embezzlement

WHO IT MAY SUIT

Built around your real-world exposure.

The right structure starts with understanding your assets, operations, people and contractual responsibilities.

Retail showrooms, boutique outlets, and commercial shopping centers

Corporate offices, IT/ITES companies, and professional service firms

Hotels, restaurants, cafes, and hospitality establishments

Hospitals, diagnostic clinics, private schools, and colleges

Warehouses, distribution hubs, and small-to-medium enterprise facilities

BEFORE YOU CHOOSE

Details that make a difference.

Compare more than price. Review limits, deductibles, exclusions and policy conditions.

Discuss your requirement

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

GOOD TO KNOW

Questions, answered.

Need more clarity? Send us your requirement and our team can help explore the next step.

Ask our team

What is a Commercial Package Policy in the Indian insurance market?

A 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.

What are the benefits of choosing a Package Policy over standalone covers?

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.

Can I customize the sections according to my specific business operations?

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.

LET’S TALK ABOUT YOUR RISK

Make your next decision with more clarity.

Tell us about your requirement. Your email application will open with the enquiry ready to send.

A conversation focused on your needs

Options subject to underwriting

Clear next steps, without pressure

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