What does the policy cover?

Depending on the selected sections, it may cover fire, burglary, money loss, electronic equipment and other specified business risks.

Does the policy cover electronic equipment?

Yes, eligible electronic equipment may be covered under the applicable section, subject to its terms and exclusions.

Does the policy include employee fidelity protection?

Employee fidelity protection may be available where the relevant cover is included in the policy.

How can I file a claim?

Notify IFFCO Tokio, submit the required claim form and supporting documents, and cooperate with the claim assessment process.

IFFCO Tokio Office & Professional Establishment Protector Insurance Policy

Q: Who can buy IFFCO Tokio Office & Professional Establishment Protector Insurance Policy?

Eligible office and professional establishments can purchase the policy, subject to the applicable eligibility conditions.

IFFCO Tokio's Office & Professional Establishment Protector Insurance Policy provides protection for eligible office establishments against specified business risks. Depending on the selected sections, coverage may include fire, burglary, money loss, electronic equipment and other office-related exposures.

₹50 Lakh cover starts at ₹4,000/year⁺

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Features of IFFCO Tokio Office & Professional Establishment Protector Insurance Policy

The key features of the policy include:

Property Protection: Covers insured office assets against specified risks under the applicable section.

Fire and Allied Perils: Protects against covered fire-related and other specified events.

Burglary Protection: Covers eligible losses caused by covered burglary or housebreaking.

Money and Fidelity Protection: Provides specified money-related or employee-fidelity protection where included.

Electronic Equipment: Covers eligible electronic equipment and related risks under the applicable section.

Additional Covers: Other available protections may include selected liability, personal accident or business interruption covers, subject to the policy schedule.

IFFCO Tokio Office & Professional Establishment Protector Insurance Policy: Inclusions

The policy can provide coverage for:

Fire and Allied Perils: Loss or damage to insured property caused by covered fire-related events.

Burglary and Housebreaking: Loss of insured assets due to covered burglary or housebreaking incidents.

Money Loss: Loss of money in specified circumstances, subject to the applicable section.

Employee Fidelity: Financial loss arising from covered employee dishonesty where fidelity cover is included.

Electronic Equipment: Damage to insured electronic equipment under the relevant section.

Other Selected Covers: Protection for eligible glass, data, personal accident, liability or business interruption risks where expressly included in the policy schedule.

Disclaimer: Coverage and limits depend on the selected sections, policy schedule and applicable terms and conditions.

IFFCO Tokio Office & Professional Establishment Protector Insurance Policy: Exclusions

Common exclusions and limitations may include:

Wear and Tear: Gradual deterioration, depreciation and normal wear and tear.

Uninsured Property: Assets not covered under the policy.

Government Seizure: Losses arising from confiscation or requisition by authorities, where excluded.

War and Civil Disturbance: Losses arising from excluded war-related events, rebellion or similar risks.

Nuclear Risks: Losses arising from ionising radiation or radioactive contamination, as specified in the policy.

Section-Specific Exclusions: Exclusions and limitations applicable to each selected cover.

Disclaimer: Refer to the applicable policy wording for the complete list of exclusions.

IFFCO Tokio Office & Professional Establishment Protector Insurance Policy: Claim Process

To raise a claim:

Report the Incident: Notify IFFCO Tokio promptly after discovering the loss or damage.

File a Police Report: Report theft or burglary to the police wherever applicable.

Submit Documents: Provide the claim form, policy details, invoices, photographs and other relevant documents, such as police or fire reports where applicable.

Assessment: Cooperate with the insurer's surveyor or claims team and provide any additional information required.

Settlement: The claim is evaluated and settled according to the applicable policy terms, limits and deductions.

IFFCO Tokio Office & Professional Establishment Protector Insurance Policy

Features of IFFCO Tokio Office & Professional Establishment Protector Insurance Policy