Bharat Sookshma Udyam Suraksha will be covering micro and small level businesses like offices, Hotels,Shops, Industrial/Manufacturing risks, Utilities located outside the compound of Industrial/Manufacturing risks, Storage risks and Tank farms/Gasholders outside the compounds of Industrial/Manufacturing risks.
Excess - Rs-5,000 (Rupees Five Thousand) for each claim
The following in-built covers are available under Bharat Sookshma Udyam Suraksha respectively.
| In-built Covers | In-built Covers Bharat Sookshm Udyam Suraksha |
|---|---|
| Additions, alterations or extensions | Included |
| Temporary removal of stocks | Included |
| Cover for specic contents | Included |
| Start-up expenses | Included |
| Professional fees | Included |
| Removal of debris | Included |
| Costs compelled by Municipal Regulations | Included |
| Floater Cover for Stocks | Included |
| Earthquake | Included |
| Terrorism | Included |
| Spontaneous Combustion | Included |
| Forest Fire | Included |
| Theft / Burglary following an insured peril only,reported within 7 days of occurrence | Included |
| Your loss | Condition | We pay, but not more than the Your loss Sum Insured |
|---|---|---|
| Any Insured Property is damaged.(Partial Loss) | You have repaired such property. | Cost of repairs |
| If any Insured Stock is damaged (Partial Loss) | Upto the extent of the loss (Partial Loss) | |
| Any Building or Plant and Machinery or Furniture,Fixture, Fittings are completely destroyed.(Total Loss) | You have rebuilt the building or reinstated such property. | Reinstatement Value |
| Stock is completely destroyed.(Total Loss) |
|
Answer. These are inbuilt perils and cannot be excluded.
Answer. Yes, client can request for increase / decrease
Answer. Yes upto 15% only
Answer. Yes there is an option to increase the coverage by means of add-ons.
Answer. In the event of a claim due to insured peril, additional costs incurred by insured (on actual basis) at the time of reinstatement of property due to change in Municipal Regulations.
Answer. Impact damage of any kind means damage caused by impact, or collision caused by any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.).
Answer. In case of mid-term increase or decrease in sum insured, existing policy terms and condition shall remain applicable but at the time of renewal, relevant policy type shall be applicable.
Answer. The annual policy can be issued on or after completion of the short policy period. Extension of short period policy is not possible.
Answer. Partial Selection of asset is not allowed. The policy allows cover for plant and machinery, Stocks and Furniture, Fixture and Fittings at the risk premise.
Answer. Floater is an in-built cover in Bharat Sooksham Udyog Suraksha Policy.
Answer. It will be covered if you suffer loss/damage due to theft within 7 days from the occurrence of an insured peril.
Answer. As per product wordings, both are same.
Answer. As per IRDA, guidelines, presently, the Sum Insured limits of in-built covers are fi xed.
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"Bharat Griha Raksha" is being introduced for covering Dwellings against Fire and allied perils and for Material Damage which shall replace SFSP for Dwellings (both Home Building and Home Contents).
Bharat Sookshma Udyam Suraksha will be covering micro and small level businesses like offices, Hotels,Shops, Industrial/Manufacturing risks, Utilities located outside the compound of Industrial/Manufacturing risks.
Bharat Laghu Udyam Suraksha would be covering micro and small level businesses like Oces, Hotels, Shops, Industrial/Manufacturing risks, Utilities located outside the compound of Industrial/Manufacturing risks,
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