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For Corporates > Miscellaneous |
In addition to the conventional insurance covers which we provide, Janashakthi also has several special policies, to meet specific risks. |
| Awaranaya Business Cover |
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Pre- protection Ensures smooth operation of your business
This is a Comprehensive Protection Plan for traders, providing a wide range
of covers against financial losses and other contingencies at an affordable
cost. Whilst Fire & Lightning and Explosion are automatically covered,
terrorism, riot & strike and malicious damage covers are optional.
You could also avail of additional perils such as Cyclone, Storm, Tempest,
Flood, Tsunami, Tidal Waves, Earthquakes, Damages by Aircraft, Impact by Road
Vehicles, Spontaneous Combustion & Bursting or overflowing of Water Tanks.
This plan can also be extended to cover burglary & other special perils
such as public liability, loss of cash, goods in transit, fidelity guarantee
and many more.
Even though any traditional Business % Traders Insurance policy will financially
compensate you in the event of an unfortunate loss in your business, the time
taken for your business establishment to get back to its normal operations
can be unpredictable. As a result you may have lost the loyalty of your competitors.
Janashakthi Awaranaya offers you the facility to obtain a Burglar alarm System at a discounted market price and thereby providing around the clock protection
to your business runs smoothly without an interruption.
The customer will get protection from ::
- Fire & Lightning
- Burglary & Theft
- Riot, Strikes, Malicious damage & Terrorist acts
- Protection from Natural Perils
- Electrical Risk Inclusion
- Free Covers (Impact of road vehicle, Bursting or Overflow of Water Tank,
Aircraft Damage, Explosion)
- Special Covers
- Business Specific Covers
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Download Proposal Form |
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| Burglary Insurance |
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Our Burglary policy protects an organisation against losses arising from forcible or violent entry in to or exit from the premises. Today thefts are becoming more and more common, whether it be from a house, or from a business premises, and a burglary policy can provide comprehensive protection.
Download Proposal Form |
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| Public Liability |
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This policy protects your organisation against legal liability to third parties for bodily injury(which includes death, illness or disease) as well as for any loss or damage to property belonging to third parties arising from defects in your premises or the negligence of your employees. Claims could be extremely high, & if the award is made against you, it can cripple your entire business. |
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The premium payable is based on the limit of indemnity selected by the insured as well as the annual turnover of the insured. It covers not only the compensation payable, but also the costs and expenses incurred in defending any claim.
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| Professional Indemnity |
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This can be customised to provide financial protection to professionals against their legal liability to their clients for death or bodily injury, or financial loss arising from the neglect of professional duties. |
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This policy provides indemnity against any claim in respect of damages for breach of professional duty which may be made against the professionals due to any negligent act, error or omission alleged to have been committed by them in the discharge of duties by or on behalf of the insured. |
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Lawyers/Law firms, Doctors/Hospitals, Engineers/Contracting firms, Architects/Architectural firms, Accountancy firms and Travel companies are identified as high risk groups, exposed to risks of this nature.
Download Proposal Form |
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| Product Liability |
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This policy covers the liability including legal costs, that can devolve on manufacturers, suppliers & sellers from bodily injury to persons or loss of property or damage to property caused by products or goods supplied. Goods can be defined as any goods sold, supplied, manufactured or produced during the course of business activities of the insured.
Download Proposal Form |
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| Fidelity Guarantee Insurance |
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This policy provides protection against losses arising from fraudulent acts of employees. |
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Most companies generally cover against selected categories of employees such as Cashiers and Store Keepers. However in this way a lacuna is created where employees who are not covered, collude in committing the fraud, or are entirely responsible for the fraud itself. In this instance recovery is not possible. Recovery cannot be made under a burglary policy when the loss arises as a result of collusion with employees, unless it is specified in the policy. |
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A blanket Fidelity policy covering all members of the staff from Working Directors downwards is recommended,to provide all encompassing protection.
Download Proposal Form |
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| Cash In Transit Insurance |
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Whenever a business organisation collects and disburses cash, all such cash must be covered from the time of collection, until such time as it is paid out or deposited in a bank. In other words, the cash must be fully protected once you assume responsibility for it, both whilst in transit and at your premises. The policy must ideally be extended to protect against Riot & Strikes and Terrorism and Infidelity of cash carrying employees.
Download Proposal Form |
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| Others |
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We have described the more common policies we are called upon to issue. There are a host of other eventualities for which Janashakthi could provide protection such as
 | Cancellation of Events due to bad weather, civil disturbances and non appearance of artistes |
| Cancellation of tours due to socio political events, climatological events and health reasons |
| Kidnapping and Ransom insurance |
| Bankers Blanket Bond |
| Credit Card Fraud |
| Computer Fraud |
| Personal All Risks |
| Golfer's Insurance |
| Libel & Slander |
| Multiple Birth |
| Pollution Cover |
| Guarantee Bonds |
| Title Insurance |
These and a host of other policies are available or could be tailor-made to suit every eventuality.
If you need to meet one of our Financial Advisors to customise any of our Miscellaneous Insurance Protection Plans according to the distinct requirements of your business organisation please click here to Contact Us. |
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