Special Insurance Covers

S. no.	Products name	Insurer	LOB	Product/Add on Cover	Coverages
1	Medical expenses- Add-on cover under Employees compensation insurance	SBIG	Liability	Product	Policy is extended to cover Insured’s liability towards medical expenses for treatment of Injury arising out of accident in respect of which indemnity is granted under the Policy otherwise applies
2	Digit Asset Care Policy	Go Digit	Miss.	Product	Accidental Damage Mechanical & Electrical Breakdown Accidental Loss Cover Theft Liquid Damage Breakage of mobile screen
3	Tax Liability Extension(D&O Add On)	Raheja QBE	Liability	Add on	The Company agrees to indemnify the Insured for the amount in excess of the total Underlying Insurance(s) limit of liability that the Insured shall become legally liable to pay provided that: -the insurers of the Underlying Insurance(s) have paid or been held liable to pay the full amount of the total limit of liability of the Underlying Insurance(s) -The Company’s liability under this Policy shall not exceed the Limit of Liability of this Policy;
4	Excess Liability	Raheja QBE	Liability	Product (taken with liability policy)	The Company agrees to indemnify the Insured for the amount in excess of the total Underlying Insurance(s) limit of liability that the Insured shall become legally liable to pay provided that: -the insurers of the Underlying Insurance(s) have paid or been held liable to pay the full amount of the total limit of liability of the Underlying Insurance(s) -The Company’s liability under this Policy shall not exceed the Limit of Liability of this Policy;
5	Shareholder costs(D&O Add On)	Raheja QBE	Liability	Add on	his Policy extends to cover the Company against legal liability to pay by order of a court any costs charges or expenses incurred by any shareholder of the Company in pursuing a Claim against any Insured Person
6	Tax Liability Extension(D&O Add On)	Raheja QBE	Liability	Add on	This Policy shall extend to include an Insured Person’s Loss arising from their personal liability for unpaid taxes of the Company where the Company has become insolvent,
7	Preservation of Indemnity(D&O Add On)	Raheja QBE	Liability	Add on	This Policy is extended to insure the Insured Person’s liability arising from a wrongful act that can lawfully be indemnified by the Company, but that the Insured Person cannot recover from the Company because the Company is in liquidation (other than by voluntary liquidation).
8	Kidnap Response(D&O Add On)	Raheja QBE	Liability	Add on	In the event of a Kidnapping, Hijacking or Wrongful Detention of an Insured Person during the Period of Insurance, RQBE will pay for Kidnap Response Costs of up to INR xxxxx incurred through the kidnap response consultants.
9	HOME CONTENTS INSURANCE POLICY	Raheja QBE	Miss.	Product	Section I: Household Contents: Due to Fire and Burglary Section II – House Hold Appliances: Due to Fire, Burglary and Electrical and Mechanical Breakdown Section III – Personal Computer Air Conditioner AND Television: Fire, Burglary and Electrical and Mechanical Breakdown Section IV – Jewellery : Due to Fire and Burglary SECTION 5 – Home Building(Optional) :due to fire and allied perils
10	Billing and Settlement insurance	Iffco Tokio		Product	Net Ascertained Financial loss: The Sum of all monies in respect of all Accountable transactions due or overdue by the Agent at the time the Agent declared in Default in accordance with IATA Resolutions applicable to the IATA BSP as named in the attached Schedule, except for those monies that have been settled with the BSP or a Member Airlines.
11	Clinical Trials Policy	Iffco Tokio	Liability	Product	Clinical trial insurance (CTI) pays for the sums which the Insured shall be liable to pay as damages / compensation (including claimants costs and expenses) arising out of claims which are made by research subjects alleging death, bodily injury or any other adverse reaction in the body causing harm or disability to the body as a result of participation in a clinical trial. Extensions Notification of Event or Circumstance Manslaughter Defence Costs (Ethics Committee) Personal Accident Cover Additional Insured
12	Directors and Officers liblility and Company Reimbursement Liability Insurance	Iffco Tokio	Liability	Product	Section 1: Standard Cover We will pay Loss incurred by You or on Your behalf in respect of any Claim first made against You during the Certificate Period (or a Discovery Period, if applicable) for a Wrongful Act. If the Company pays Loss on Your behalf in respect of any Claim first made against You for a Wrongful Act then We will pay such Loss on behalf of the Company instead. This also applies to any of the Additional Covers detailed in Section 2 below. However, the Company is not insured in its own right under this Certificate. Section 2: Additional Cover: Emergency Costs, Public Relations Cover, Retirement Cover, Automatic Acquisition,Outside Directorship Cover, Non Executive Directors Additional Limit of Liability, Official Investigation Costs, Extension to the Certificate Period in the Event of Merger, Consolidation or Liquidation, Pre-Agreed Run-Off Coverage in the case of Merger or Acquisition or Liquidation,Mitigation Costs, Extradition Cover, Witness Cover, Personal Liberty and Property Costs,Interpretive Counsel,Environmental Claims Extension, Discovery Period Options,Bribery Proceedings, Corporate Manslaughter Extension Section 3: Optional Coverage (subject to agreement): Automatic Renewal Extension,
13	Accidental Damage	Raheja QBE	SFSP	Add on	policy is extended to cover actual loss of or damage to the property insured whilst situated in the insured premises due to any accidental loss/damage by external means up to a limit of indemnity
14	Involuntary Betterment	Raheja QBE	SFSP	Add on	in the event that new property of like kind and quality is not obtainable, property which is as similar as possible to that which has sustained Damage and which is capable of performing the same function shall be deemed to be new property of like kind and quality and in no event shall this be considered as a betterment to the Insured.
15	Undamaged Stock and Loss on Re Sale	Raheja QBE	SFSP	Add on	Cost of replacement of or modification to undamaged components of an item of Property insured following Damage.
16	Expediting Expenses	Raheja QBE	SFSP	Add on	in addition to the indemnity otherwise provided, the reasonable extra cost of safeguarding, preserving, temporary repair and of expediting the repair of such damaged property, including overtime and extra cost of express and other rapid means of transportation
17	Immediate Repairs	Raheja QBE	SFSP	Add on	By opting this Add On Insured may immediately begin repairs or reconstruction but such work shall at all times be open to supervision by the insurer or their representatives and in case of dispute as to the cost of repair and / or reconstruction the loss shall be settled in accordance with the terms of this policy, the sole object of this condition being not to deprive the insured from the use of operating properties which may be necessary to their business.
18	Capital Additions	Raheja QBE	SFSP	Add on	any additions or extensions to Property Insured which have been carried out after the inception of this Policy of Insurance collectively referred to as “capital additions”. any buildings, machinery and other equipment acquired or operated by or held in the care, custody or control of the insured after the inception of this Policy of Insurance and not included in The Schedule;
19	Obsolete Parts	Raheja QBE	SFSP	Add on	policy covers spares becoming obsolete following an indemnifiable loss to the Plant and Machinery
20	Smoke Damage Extension	Raheja QBE	SFSP	Add on	policy Includes destruction of or damage to the property insured (by fire or otherwise) directly caused by smoke due to a sudden, unusual and faulty operation of any heating or cooking unit, only when such unit is connected to a chimney by exhaust pipe or vent pipe, but not smoke from fire-places or industrial apparatus.
21	Accidental Discharge Of Gas Flooding Systems	Raheja QBE	SFSP	Add on	policy covers reasonable costs/expenses incurred by the insured in refilling cylinders of any gas flooding systems installed for the protection of property arising out of the accidental discharge of such system
22	Contamination and Co-mingling of stocks	Raheja QBE	SFSP	Add on	policy covers loss or damage to stock as a result of fortutious accidental contamination and/ or accidental co-mingling arising from a cause not otherwise excluded whilst in the Insured’s care, custody and control.
23	Leakage and Overflowing of Storage Tanks(Other than water storage tanks)	Raheja QBE	SFSP	Add on	this policy extends to cover the loss of stock caused by sudden and accidental leakage and/ or overflowing from any storage tank or vessel, pipeline.
24	Seasonal Enhancement of Stocks Cover	Raheja QBE	SFSP	Add on	Sum Insured of Stocks insured under the policy would be enhanced by percentage mentioned of their initial Sum Insured for a period of specified two months (Insured has a choice to select two months in succession or in a staggered way.).
25	Goods and Stocks undergoing any heating or drying process	Raheja QBE	SFSP	Add on	policy to include loss or damage to property insured by fire only occasioned by its undergoing any heating or drying process provided that loss or damage due to smoke, fumes, scorching, charring, chemical reaction, change of state or original composition or discoloration of property is excluded.
26	Outbuilding Clause	Raheja QBE	SFSP	Add on	include walls, gates and fences, small outbuildings, extensions, annexes, exterior staircase and steel or iron frameworks in the said premises
27	Vehicle Load Clause	Raheja QBE	SFSP	Add on	in the event of any of the insured’s vehicles being left loaded overnight whilst in or on the premises the Company will indemnify the insured in respect of such load in the event of loss or damage by any of the perils insured against by this Policy
28	Damages to Underground Services	Raheja QBE	SFSP	Add on	policy includes damage to any insured’s underground water, drainage, sewerage, gas, electricity or telephone pipe or cable for which the Insured is responsible extending from the Premises to the main provided the sum insured declared under the Policy is inclusive of the above.
29	Landscaping Cost	Raheja QBE	SFSP	Add on	policy includes the reasonable cost of remaking, reconstituting, redesigning and purchasing as necessary in order to replace surrounding and internal landscape grounds and gardens following Damage.
30	Duty Liability	Raheja QBE	SFSP	Add on	insured’s liability for custom’s, excise and other duties which the insured may become liable to pay in the event of Damage to property insured, to the extent it is included in the sum insured.
31	Employees Personal Property /Effect	Raheja QBE	SFSP	Add on	policy covers loss of or damage to Personal Property of Employees for which the Insured is responsible whilst at the Premises of the Insured
32	Property Outside/Away From the Premises	Raheja QBE	SFSP	Add on	Cover is extended to include stocks outside plant Premises in Tanks / Pipelines or for conversion, stock in depot whether owned or leased. The maximum time period for which this part of the property may be outside the insured’s premises is 30 days.
33	Tenants Improvement	Raheja QBE	SFSP	Add on	The Company will also pay in addition to the sum Insured for insured property, the cost of repairing or replacing damage to Insured’s landlord’s premises or property (other than glass) for which Insured is liable under the terms of lease or rental agreement arising from theft or attempted theft at the premises.
34	Cleaning up and other costs clause	Raheja QBE	SFSP	Add on	Policy extends to cover costs and expenses incurred by the Insured following physical loss or damage to the property hereby insured for the cleaning up or removing debris or decontaminating such damaged property or nearby property,
35	Trace and Access	Raheja QBE	SFSP	Add on	costs and expenses incurred in investigating and identifying the cause of Damage, and of identifying the location of such cause.
36	Undamaged Foundations	Raheja QBE	SFSP	Add on	when a building that is damaged has to be rebuilt at a location other than the premises because the requirements of any lawful authority prevent the reinstatement of the building at the premises, and that building’s foundations are not damaged to such an extent that prevents them from being re-used, then we shall allow in the actual rebuilding costs an amount for foundations that is equal to the value of the damaged building’s foundations at the premises.
37	Leak search / finding cost Clause	Raheja QBE	SFSP	Add on	in addition to indemnifiable costs of repair or replacement the company will indemnify the insured for the cost and expenses necessarily and reasonably incurred in locating and obtaining access to any part or parts of the insured property in order to locate and repair leaks or other damages
38	Protection and Preservation of Property	Raheja QBE	SFSP	Add on	this Policy is extended to cover the expenses incurred by the Insured in taking reasonable and necessary actions for the temporary protection and preservation of property insured hereunder, which expenses shall be added to the physical loss or damage otherwise recoverable
39	Secure Wallet	Royal Sundaram	Miss.	Product	A.Card Protection B.Identity Theft C.Purchase Protection D.Personal Travelling Protection E.Wallet Protection F.Virtual & Digital Card/Wallet Protection”
40	Cover Plate Glass Section under Office Package Policy	CholaMS	Miss.	Add on	1.Glass that constitutes or is part of the building façade. Sum Insured Limit: As declared by Insured. Rate: 110% of policy rate. Policy Rate :preimium rating range shall from 0.5 % to 4 % depending upon u/w information available and past claim clai history
41	Cover Plate Glass sectio n under Home Package Policy	CholaMS	Miss.	Add on	1.Glass that constitutes or is part of the building façade. Sum Insured Limit: As declared by Insured. Rate: 110% of policy rate. Policy Rate :preimium rating range shall from 0.5 % to 4 % depending upon u/w information available and past claim clai history
42	Cover Plate Glass sectio n under Shop package	CholaMS	Miss.	Add on	1.Glass that constitutes or is part of the building façade. Sum Insured Limit: As declared by Insured. Rate: 110% of policy rate. Policy Rate :preimium rating range shall from 0.5 % to 4 % depending upon u/w information available and past claim clai history
43	Cover Plate Glass Policy	CholaMS	Miss.	Add on	1.Glass that constitutes or is part of the building façade. Sum Insured Limit: As declared by Insured. Rate: 110% of policy rate. Policy Rate :preimium rating range shall from 0.5 % to 4 % depending upon u/w information available and past claim clai history
44	Wind Energy Combined Insurance Policy	Royal Sundaram	Miss.	Product	Section 1: Material Damage Section 2 Business Interruption Section 3- Public Liability
45	Commercial Crime Insurance Policy	BAGIC	Liability	Product	Coverage for Financial Loss and/or Property Loss Coverage for Cash & Valuables Coverage for the Insured’s Legal Liability Fees and Expenses Extensions Coverage for Additional Costs Coverage for Expectation Damages Coverage for Financial Loss as a result of an IT Criminal Act Coverage for Reconstitution Costs as a result of an IT Criminal Act
46	Walleet Insurance	ICICI Lombard	Miss.	Product	Section I – Lost Card Liability Section II – Credit Shield Section III – Purchase Protection Section IV – Loss of Wallet Section V – Loss of Cash in Transit Extensions Extension WI 1- Mid-term inclusion of Card Extension WI 2 – Personal Accident Extension WI 3 – Travel Cover
47	P&I insurance	NIA	Marine	Product	* Vessels covered: vessels in Indian waters like dry cargo vessels, tugs, barges, etc. * The Sum Insured for each vessel shall be $5 million (Rs 33 crore). * There is no provision for any Condition Survey for vessels less than 10 years.