Who can buy Tata AIG Office Insurance?

Eligible businesses and office establishments can purchase coverage for their insured premises and assets.

What does Tata AIG Office Insurance cover?

Depending on the policy, it may cover fire, burglary, electronic equipment, money and other selected office-related risks.

Does Tata AIG Office Insurance cover computers?

Yes, computers and other electronic equipment can be covered under the applicable section, subject to the policy terms.

Tata AIG Office Insurance

Tata AIG's Office Insurance provides financial protection for eligible office premises, equipment and other business assets against specified risks. Depending on the policy selected, coverage may includefire, burglary, electronic equipment and other office-related exposures.

₹50 Lakh cover starts at ₹4,000/year⁺

Prepare a safety net for your business against

property damage

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Features of Tata AIG Office Insurance

The key features of the policy include:

Property Protection: Covers insured office assets against specified risks, including fire and allied perils.

Burglary Protection: Provides coverage for eligible losses caused by burglary or housebreaking.

Electronic Equipment: Protects insured office electronics against covered damage.

Money Insurance: Offers coverage for specified losses involving money, where selected.

Glass and Signage Protection: Covers eligible plate glass and signage under the applicable section.

Flexible Coverage: Allows businesses to select available covers based on their office insurance requirements.

Tata AIG Office Insurance: Inclusions

The policy can provide coverage for:

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

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

Electronic Equipment: Damage to insured office equipment, subject to the applicable section.

Money Loss: Loss of money in specified circumstances, where the relevant cover is selected.

Plate Glass and Signage: Damage to insured plate glass or eligible signage under the applicable section.

Additional Covers: Other available protections, such as fidelity guarantee or machinery-related cover, where included in the policy.

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

Tata AIG Office Insurance: Exclusions

Common exclusions and limitations may include:

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

Uninsured Property: Assets not specified or covered under the policy.

Employee-Related Losses: Certain losses involving employee dishonesty or collusion, subject to the relevant section and wording.

Glass Damage During Alterations: Damage arising during alterations or repairs where excluded by the policy.

War and Nuclear Risks: Losses arising from excluded war-related or nuclear events.

Consequential Loss: Indirect financial losses unless specifically covered.

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

Tata AIG Office Insurance: Claim Process

To raise a claim:

Report the Incident: Notify Tata AIG promptly about the loss or damage.

File a Police Report: Obtain a police complaint or report for burglary or theft, wherever applicable.

Submit Documents: Provide the claim form, policy details, proof of ownership, invoices and supporting evidence.

Assessment: Cooperate with the insurer's surveyor or claims team during the assessment.

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

Tata AIG Office Insurance

Features of Tata AIG Office Insurance