The insurance policy broadly covers losses due to :-

• Fire, lightning, explosion and implosion
• Aircraft damage, riot, strike, malicious damage and terrorism
• Storm, tempest, flood and inundation
• Impact damage, subsidence
• Landslide / rock slide
• Bursting and/or overflowing of water tanks, apparatus and pipes
• Missile testing, leakage from automatic sprinkler installations and bush fire

Property can be insured on depreciated cost (market value) or replacement cost basis. In order to get full protection, insurance on reinstatement (replacement) basis is recommended.

Premium rate depends on construction of building and occupancy.

Discount/ loading in premium is given based on past claims experience for risks exceeding Rs. 50 crores sum Insured at any location and installation of Fire extinguisher appliances

The insurance policy does not cover the first Rs.10,000 (or as applicable) of each and every claim. Losses arising out of war and allied perils, theft, willful act or gross negligence, loss of earnings, loss to bullion, documents, currency etc. for an amount exceeding Rs. 10,000, unless expressly stated.

• Earthquake (fire & shock)
• Spontaneous combustion
• Deterioration of stocks in cold storage
• Impact damage due to own vehicles
• Omission to insure additions
• Debris removal in excess of 1 % of claim amount
• Architect, surveyors & consulting engineer's fees in excess of 3 % of claim amount

Fire and special perils Policy compensates only for material damage to the insured property. It specifically excludes any consequential loss.

In case of a major loss caused by Fire, there could be an interruption in business operation leading to reduction in turnover finally resulting in possible loss of profits. However, standing or fixed charges continue to accrue regardless of whether there is any production or not. Such loss cannot be covered under fire policy.

Consequential loss policy compensates for the revenue loss suffered by the enterprise. Hence, for complete protection to the business enterprise and its profitability consequential loss policy is very essential in addition to fire insurance policy.

The policy broadly covers loss of net profit on account of interruption of business, consequent upon material damage to property due to Fire or any other insured peril under the standard fire and special perils policy.

It also covers standing charges which continue to be incurred during the period of interruption and the increase in cost of working necessarily and reasonably incurred to maintain the business as far as possible at its normal level, so that loss under net profit and standing charges is avoided or at least minimised.

Sum to be insured under this policy is the estimated gross profit for the indemnity period selected. Indemnity period is the maximum period beginning with the occurrence of the damage, for which cover of loss of gross profit is required and should reflect the maximum period anticipated for reinstatement of the damaged property. The maximum indemnity period permissible under the policy is 3 years.

Basis rate depends on fire and special perils rate. Final rate is influenced by Indemnity period chosen. At inception, gross profit is taken on estimated basis and is subject to declaration of the actual figures after expiry of policy based on final audited accounts.

The insurance policy does not cover

Loss of gross profits, which is not consequent upon property damage due to an insured peril

Loss of gross profits, which is not consequent upon property damage due to an insured peril

Loss due to material damage to property, difference between value of stock at the time of fire and the value at the time of subsequent replacement, deterioration of undamaged stock after fire

Cost of preparing fire and loss of profits claim, third party claims and loss of goodwill

Industrial units (excluding petrochemical risks) having sum insured of Rs. 100 crores and above in one or more locations in India are eligible to take industrial all risks policy

This policy offers comprehensive cover against all perils excepting those specifically excluded. The policy covers loss or damage due to :

• Fire and special perils
• Machinery breakdown/ boiler explosion/ electronic equipment breakdown
• Burglary
• Business interruption due to fire and special perils, burglary and other accidental damage

Sum to be insured for the material damage part is the reinstatement cost of the property. For the business interruption portion, annual gross profit is to be insured

Premium depends on the exact cover opted, claims experience, deductible and risk assessment report of the engineer

Inherent vice, normal wear and tear, collapse, faulty or defective design material or workmanship, pollution, contamination, inventory losses, fraud, larceny, interruption of the water supply, gas, electricity or fuel systems or failure of the effluent disposal systems etc.

Policy is subject to compulsory deductible excess as under :

• Material damage claims : 5% of claim amount subject to aminimum of Rs 5 lacs andmaximum of Rs. 50 lacs
• Business interruption claims : 3 days gross profit subject toa minimum of Rs. 5 lacs and maximum of Rs. 50 lacs

Policy can be extended to suppliers' and customers' premises or public utilities, on which the business is dependent and cost of auditors fees required to submit claim on Insurer.

The coverage is generally defined by reference to clauses known as Institute Clauses. The ICC (C), ICC (B) and and ICC (A) Clauses define different levels of coverage against marine risks and the cargo may be covered subject to any one of these clauses.

The type of policy available is the specific policy to cover single consignment or an open policy.

There are three types of covers :

• Institute cargo clause (C) : Named peril basis
• Institute cargo clause (B) : Named peril basis
• Institute cargo clause (A) : Offers the widest form of cover under marine cargo insurance in so far as it relates to the perils covered. ICC (A) is an unnamed perils clause

This is an agreed value policy. Normally, insurance is taken for CIF+10%

Rate depends on factors like nature of cargo, scope of cover, packing, mode of conveyance, distance and past claims experience

This policy does not cover loss or damage due to willful misconduct, ordinary leakage, improper packing, delay, inherent vice, war, strike, riot and civil commotion.

On payment of additional premium, insured can opt for certain extensions to the cover provided under the policy. Extensions available are include war, strike, riot and civil commotion and duty insurance cover.

The coverage is generally defined by reference to clauses known as institute clauses. The ICC (C), ICC (B) and and ICC (A) clauses define different levels of coverage against marine risks and the cargo may be covered subject to any one of these clauses.

There are three types of covers :

• Institute cargo clause (C) : Named peril basis
• Institute cargo clause (B) : Named peril basis
• Institute cargo clause (A) : Offers the widest form of cover under marine cargo insurance in so far as it relates to the perils covered. ICC (A) is an unnamed perils clause

This is an agreed value policy. Normally, insurance is taken for CIF+10%.

Rate depends on factors like nature of cargo, scope of cover, packing, mode of conveyance, distance and past claims experience.

This policy does not cover loss or damage due to willful misconduct, ordinary leakage, improper packing, delay, inherent vice, war, strike, riot and civil commotion.

On payment of additional premium, Insured can opt for certain extensions to the cover provided under the policy. Extensions available are include war, strike, riot and civil commotion and duty insurance cover.

This policy broadly covers the risk of physical loss or damage to the Insured's goods (machinery, raw materials, finished goods etc.) during transit under a contract of affreightment.

• "Basic risk policy" covers loss or damage to specified goods caused by fire, lightning, breakage of bridges, overturning of vehicles, collision with or by carrying vehicle, subject to specified exclusions
• "All risks policy" covers all risks of loss or damage to specified goods, subject to exclusions

This is an agreed value policy. Normally, insurance is taken for CIF+10%

Rate depends on factors like nature of cargo, scope of cover, packing, mode of conveyance, distance and past claims experience

This policy does not cover loss or damage due to willful misconduct, ordinary leakage, improper packing, delay, inherent vice, war, strike, riot and civil commotion.

Extensions available include strike, riot and civil commotion.

The purpose of hull insurance is to cover ship owners various insurable interests and these include :

• Hull & machinery insurance
• Insurance of freight
• Builders risk policy
• Loss of hire insurance
• Loss of profit Insurance

The Institute time clauses form the basis for most polices used for insurance of vessels and their machinery.

It is an agreed value policy

• Type of vessel, trading limits, age, tonnage, technical aspects of machinery
• Management and ownership considerations
• Past claims experience
• Valuation of vessel
• Type of cover required
• Size of the deductible

The exclusions will depend upon the type of cover availed and would be governed by Institute Time clauses and Institute Voyage clauses.

Legal liability of the insured towards damages to third party with respect to :

• Accidental death
• Bodily injury or disease
• Loss or damage to property
• Legal costs and expenses incurred with the prior consent of the Insurer and within the limit of indemnity

Depending on exposure, the proposer has to fix two limits of indemnity as under (for both premises and transportation) :

• Any one accident (AOA)
• Any one year (AOY)

AOA and AOY can be in ratio of 1:1, 1:2, 1:3 or 1:4. It is not permissible to issue the policy with unlimited liability.

This Policy does not cover liability arising out of or in connection with :

• Pollution
• Any product
• Transportation of materials
• Personal injuries such as libel, slander, fines, penalties punitive or exemplary damage

Premium depends on:

• Risk group
• Limits of indemnity selected
• Ratio of limits
• Number of locations
• Annual turnover

• Industrial seepage, pollution and contamination extension
• Carriage of effluents (outside the premises) extension
• Transportation extension
• Technical collaborators extension
• Act of God
• Perils extension

Legal liability of the insured towards damages to third party with respect to :

• Accidental death
• Bodily injury or disease
• Loss or damage to property
• Legal costs and expenses incurred with the prior consent of the Insurer and within the limit of indemnity

Depending on exposure, the proposer has to fix two limits of indemnity as under (for both premises and transportation) :

• Any one accident (AOA)
• Any one year (AOY)

AOA and AOY can be in ratio of 1:1, 1:2, 1:3 or 1:4. It is not permissible to issue the policy with unlimited liability.

This Policy does not cover liability arising out of or in connection with :

• Pollution
• Any product
• Any professional services deficiency
• Punitive or exemplary damages
• Fines
• Transportation of materials
• Personal injuries such as libel, slander, fines, penalties punitive or exemplary damages

Premium depends on:

• Risk group
• Limits of indemnity selected
• Ratio of limits
• Number of locations
• Annual turnover

• Goods kept in custody of insured extension
• Food and beverages extension
• Sports facilities, swimming pool and other facilities extension
• Industrial seepage, pollution and contamination extension
• Act of God
• Perils extension
• Transportation extension

Safety and reliability of products are an important concern to consumers, sellers & manufacturers. Faulty products can be hazardous for the consumers' health & property. The manufacturer/ seller of faulty could be held liable for such damages, exposing themselves to financial losses.

Product liability insurance protects the companies exposed to above risk by financially assisting policyholders in such situations.

This policy broadly covers. Legal liability of the insured towards damages to the third party arising due to faulty products manufactured / sold by the insured, liability with respect to :

• Accidental death
• Bodily injury or disease
• Loss or damage to property

Legal costs and expenses incurred with the prior consent of the Insurer and within the limit of indemnity.

Depending on exposure (end users, sales territories, nature of products & turnover), the proposer has to fix two limits of indemnity under the policy :

• Any one accident (AOA)
• Any one year (AOY)

AOA and AOY can be in ratio of 1:1, 1:2, 1:3 and maximum can be1:4. It is not permissible to issue the policy with unlimited liability.

Premium depends on:

• Risk group (products to be covered)
• Sales territories
• Limits of indemnity selected
• Ratio of limits
• Turnover of products (for proposed period of insurance)
• Claims experience
• Quality control system & R&D strength of the insured

This Policy does not cover liability arising out of or in connection with :

• Product efficacy
• Product recall
• Product guarantee
• Pure financial loss
• Terrorism, war & SRCC
• Any professional services deficiency
• Personal injuries such as libel, slander
• Fines, penalties and punitive or exemplary damages

Higher excess opted on a voluntary basis qualifies for discount in premium

• Limited named vendor's liability
• Technical collaborator's clause
• North American jurisdiction clause (covering exports to American countries)

This policy broadly covers the Owner's statutory liability on the no-fault principle for the following conditions resulting from an accident while handling any hazardous substances :

• Death of or injury to any person
• Damage to property

The public liability insurance act, 1991 provides that the Indemnity limit for any one accident should not be less than the paid-up capital of the undertaking and not more than the amount, as may be prescribed by rules framed under the act.

The rule currently stipulates that the Insurer is liable to pay not more than Rs. 50 million for any one accident and not more than Rs 150 million for any one-year.

Premium charged depends on two factors :

• Limit of indemnity selected
• Annual turnover (Gross sales of all goods including all levies and taxes)

This insurance policy does not cover liability arising out of willful or intentional non-compliance of any statutory provisions, with respect to fines and penalties.

Directors and officers of a hold a position of trust are responsible towards the company, the shareholders, the employees, and the public at large. They may become liable to pay damages in scenarios such as the following :

• Mis-statement in prospectus
• Conflict of interest
• Errors in annual accounts
• Mismanagement of funds
• Mismanagement of funds
• Using insider information
• Inaccurate statement of financial conditions
• Unfair dismissal of an employee
• Unwarranted dividend, salary, compensation payments

Our directors and officers liability policy protects the personal fortunes of individual directors and officers, in respect of personal liabilities arising out of their wrongful acts like breach of duty, breach of trust, neglect, error, misstatement or misleading statement.

• Former, present, future directors are all covered. (All wrongful acts committed or alleged to have been committed)
• Parent company and existing subsidiary companies covered
• Defence costs payable (even in alleged criminal cases, if directors and officers are finally acquitted)
• Cover on claims : wrongful act committed or alleged to have been committed and all liability reported during the period covered

The policy is a subject to the terms and conditions, advance defence costs and allows for settlements / judgements / awards against insured persons for their wrongful acts.

The insurance policy has two coverage clauses :

• Legal liability towards claims made against the Insured Person (s) to the extent not indemnified by the insured organisation
• Reimbursement to the insured organization on account of indemnification to each Insured Person. The policy additionally covers heirs, estates & legal representatives and spousal liabilities

Premium chargeable depends on the :

• Limits of indemnity
• Industry of the proposer
• Clientele of the proposer
• Annual turnover
• Auditors of the company
• Using insider information
• Management perception to various stakeholders
• Information gathered about the company from public sources
• Capital structure of company: Source of shareholder funds - foreign v/s domestic exposure, debt structure
• Credit rating of the company to honour future financial commitments

Premium chargeable depends on the :

• Liability for criminal wrongs
• Fines and penalties for civil wrongs
• Prior or pending litigation
• Suits or arising from person who is a major shareholder
• Bodily injury/ property damage Infringement of intellectual property rights

• Crisis communication cover
• Risk management extension
• Pollution defence costs extension
• Extended reporting period
• Auto inclusion of new subsidiaries

For a patient, his doctor is someone who promises good health by putting him on the right fitness condition when an emergency lands. Unfortunately, human error cannot be eliminated and doctors are exposed to the risk of claims from clients who have suffered loss due to neglect, error or omission.

In today's litigious world, claims can pose a significant threat to the financial security for a medical practitioner. Your expertise is protecting the health of your clients. Our expertise is advising you how to protect your professional interest.

Our professional Indemnity for doctors policy protects you against :

• Claims arising out of bodily injury or death caused by error, omission, negligence
• Legal liability including defence costs (costs, fees, expenses) incurred while investigation, cost of representation, compensation etc

This policy broadly covers :

• Bodily injury and / or death of any patient caused by or alleged to have been caused by error, omission or negligence in professional service rendered or which should have been rendered by the insured doctor
• Legal costs and expenses

Depending on exposure, the proposer has to fix two limits of indemnity under the policy :

• Any one accident (AOA)
• Any one - year (AOY)

Premium chargeable depends on the :

• Risk group of doctor
• Limits of indemnity selected
• Ratio of limits

This policy does not cover liability arising out of or in connection with :

• Criminal acts
• Acts committed under Influence of intoxicants / narcotics
• Weight reduction
• Plastic surgery
• HIV aids
• Radioactivity
• Punitive and exemplary damages
• Blood banks
• Non compliance with statutory provisions

The policy broadly covers boilers and other pressure vessels, both fired and unfired against losses due to explosion or collapse.

Sum insured should be reinstatement cost of the boiler.

Premium chargeable depends on the type of boiler, type of fuel and the age of equipment. Discount is allowed for seasonal factories and stand by facilities.

• Fire and allied perils
• War and nuclear perils
• Loss arising out of overload experiments
• Gradual wear and tear of parts
• Wilful acts or gross negligence
• Consequential loss from explosion or collapse
• Failure of individual tubes, loss due to chemical reactions
• Loss which is manufacturer's or repairer's responsibility

• Surrounding property of the Insured (including the property held in trust or on commission)
• Legal liability for third party bodily injury and property damage
• Express freight, air freight and additional customs duty can also be covered by payment of additional premium

Covers loss or damage to the contractor's property due to any cause that is accidental and external in nature.

Cover operates when the insured property is at work or at rest or being dismantled for the purpose of cleaning/overhauling or during subsequent re-erection.

The policy broadly covers :

Material damage to electronic equipment (which can include systems software) due to sudden and unforeseen events, under Section I

Cost of external data media, including cost of reconstruction of data under Section II, as also increased cost of working under Section III. While Section I is compulsory, Section II and Section III are optional

Section I: New replacement cost of the insured property including freight, erection cost, customs duty, if any

Section II: Cost of restoring the external data media by replacing lost or damaged data media by new material and lost information

Section III: Sum Insured should represent the hiring charges per hour for a substitute equipment for ensuring continued data processing for the period of indemnity specified, including personnel and transportation charges

Rate of premium: 1 % For equipments valued more than Rs 1,00,000, a valid maintenance agreement is required to be in force, failing which 100 % loading is attracted.

The policy does not cover losses/ damages due to :

• Wear & tear
• War, wilful act or wilful negligence
• Aesthetic defects and consequential loss

The insurance policy broadly covers loss due to all kinds of accidental, electrical and mechanical breakdowns due to internal and external causes. Cover is granted during the time the machinery is in operation or rest or in the process of dismantling, overhaul or during subsequent re-erection at the same premises.

Value proposed for insurance should be equal to new replacement cost including freight, erection cost, customs duty, if any.

Rate of premium depends upon the type of machinery. Discounts are offered in respect of stand-by facility, availability of spares and favourable claims experience, subject to rules laid down in the tariff.

The insurance policy does not cover loss and/or damage from fire and allied perils, theft, overloading experiments, wilful acts or gross negligence, gradually developing flaws and deterioration from normal use.

• Air freight
• Third party liability
• Insured's own surrounding property
• Express freight (excluding air freight) overtime & holiday wages

All perils under the machinery breakdown policy can be covered under MLOP. Hence the main perils covered are electrical/mechanical breakdown, voltage surge, impact damage etc.

The amount payable as indemnity is in respect of reduction in turnover/output is the gross profits lost on account of the shortage in turnover or output during the indemnity period in consequence of the material damage under machinery breakdown policy.

The sum insured is to be declared as annual gross profits estimated during the policy period.
This can be arrived at by either considering gross profits on difference basis which is revenue - variable expenses or additions basis which is net profit + standing charges.

The premium will depend on the following factors :

• Replenishment time required for equipment's
• Availability of spare equipment
• Criticality of the equipment
• Your contractual arrangements with Suppliers
• Replacement time
• Ability to make up for the loss
• Your profit forecasting pattern

The underlying material damage policy for this MLOP cover would be machinery breakdown policy. Hence all the exclusions of the machinery breakdown policy would be applicable for MLOP cover.

The major exclusions would be fire and allied perils, theft & burglary, nuclear perils, radioactive/ionisation perils, wear & tear.

Erection all risks (EAR) policy is designed to cover plant and machinery under erection. Interest of suppliers/manufacturers, contractors, subcontractors can be recorded in the policy.

This policy covers risks associated with storage, assembly/erection and testing of plant and machinery. EAR insurance provides comprehensive cover. All perils are covered unless specifically excluded. Cover incepts from the time of unloading of the first consignment at the project site and terminates on completion of testing or handing over of the project to the Principal, or the period chosen, whichever is earlier.

Sum to be insured is the completely erected value of the plant and machinery inclusive of freight, custom duty and cost of erection.

Premium depends on type, value, and duration of the project and the period of testing.

Policy can be extended on payment of additional premium to cover :

• Escalation
• Maintenance
• Clearance and removal of debris
• Damage to owner's surrounding property
• Third party liability
• Additional customs duty
• Express freight
• Holiday and overtime rates and wages

This is an annual policy designed to cover construction equipment like bulldozers, cranes, excavators, compressors, etc.

This Policy broadly covers loss or damage to the contractor's property due to any cause that is accidental and external in nature. Cover operates when the insured property is at work or at rest or being dismantled for the purpose of cleaning/overhauling or during subsequent re-erection.

Sum Insured of each item of machinery shall be the present day replacement cost. Sum insured is computed from replacement cost including freight, cost of erection and custom duty, if any.

Premium depends on the type of equipment and the location of operation.

Premium depends on the type of equipment and the location of operation :

• Third party liability
• Owner's surrounding property
• Clearance and removal of debris
• Overtime, express freight
• Additional customs duty

Contractors all risk (CAR) policy is designed to cover all types of civil engineering projects like buildings, dams, flyovers, etc. It is possible to record the interest of principal, contractors and subcontractors in the policy.

This policy broadly covers the risk of accidental physical loss or damage in respect of the contract works, during the execution of a civil project. CAR insurance provides an 'all risk 'cover. All perils are covered unless specifically excluded.

Cover incepts from the commencement of work or after unloading of first consignment at project site, whichever is earlier and terminates on handing over of works to the principal or expiry of policy, whichever is earlier.

The sum insured shall be the fully completed value of the contract works inclusive of all materials, wages, freights, and custom duty and materials or items supplied by the principal.

Premium depends on factors like type, value and duration of the project.

This policy does not cover loss or damage due to willful misconduct, cessation of work whether total or partial, delay, damage due to faulty design, rectification of defective material and/or workmanship inventory losses etc. Policy is subject to deductible excess as stipulated in the tariff.

Main policy can be extended on payment of additional premium to cover :

• Owner's surrounding property
• Third party liability
• Maintenance cover
• Escalation
• Clearance and removal of debris
• Contractor's plant and machinery

ICICI Lombard brings you a comprehensive office package policy which is designed specifically for office establishments including IT & ITES sector. The innovative endeavor brings to you the flexibility to design the policy as per your needs by allowing you to choose the covers that you may require to protect your property and manpower, all with the convenience of a single policy. Scope of cover

Standard fire and special perils covers perils like fire, acts of God and other special perils

All risks insurance covers loss or damage to functional equipments like computers, industrial equipments etc and non-functional equipments like laptops etc. against fire, riot and strike, terrorist activity, theft, accident, any of which arising from any fortuitous cause

Plate glass covers any loss or damage to fixed plate glass due to breakage by any accidental, external and visible means

Burglary covers loss and/or damage by burglary, housebreaking (theft following upon actual, forcible and violent entry of and/or exit) including hold-up risk and damage caused to premises while attempting the same

Fidelity guarantee covers pecuniary loss sustained as a result of act of fraud or dishonesty in respect of monies or goods of the employer committed by the employees

Money insurance covers loss of money in transit by authorized employee(s) due to robbery, theft or any other fortuitous cause. The section also covers loss by burglary or house breaking, robbery or hold up whilst money is retained at the Insured's premises in safe(s) or strong room

Public liability covers can be extended to cover -Legal Liability of the Insured towards damages to third party in respect of accidental death or bodily injury or disease and loss or damage to property arising out of such accidents. It also covers legal costs and expenses incurred with prior consent of the Insurer and within the limit of the indemnity

Employer's liability (workmen's compensation) covers -two forms of risks viz, Table 'A' - Indemnity against legal liability to all employees under the W.C. Act 1923 and subsequent amendment to the said act prior to the inception of the cover, the fatal accidents act, 1855 and at common law."
Table 'B' - Indemnity against legal liability under the fatal accidents act, 1855 and common law

Group health / Group health (floater) covers - reimbursement of hospitalization expenses incurred for diseases contracted or injuries sustained in India. Medical expenses up to 30 days for Pre - hospitalization and up to 60 days for post - hospitalization are also admissible

Group personal accident covers the insured in case of accidental death, loss of limbs and eyes, permanent total disablement and permanent partial disablement

Critical illness insurance covers the employees or the students against the nine critical illnesses

ICICI Lombard brings a package policy especially to meet the needs of an educational institution, designed to offer an all round protection. This policy offers a range of benefits like protection to property, money insurance, workmen compensation and others. You can choose the covers you like and we will design the policy as per your needs. Scope of cover

Standard fire and special perils : The policy covers loses due to named perils like fire, lightning, earthquake, explosion and implosion, riot, strike, malicious damage, storm, tempest, flood and inundation. However, the policy does not cover losses arising out of theft and loss of earnings, loss to bullion, documents, currency etc. for an amount exceeding Rs. 10,000, unless expressly stated are also excluded. You can also extend the policy to cover Impact damage due to own vehicles and terrorism.

Electronic Equipment : The plan covers perils like fire, burglary, acts of God (AOG) and accidents, material damage due to sudden and unforeseen events, cost of external data media. The policy does not provide coverage losses / damages due to wear & tear, aesthetic defects

Machinery breakdown : The policy provides coverage against losses due to all kinds of accidental, electrical and mechanical breakdowns due to internal and external causes. The plan does not, however, cover loss and/or damage from fire and allied perils, theft, overloading experiments, gradually developing flaws and deterioration from normal use

All risks (portable equipment) : The plan covers your institution from loss or damage to insured property by fire, riot and strike, accident, any of which arising from any fortuitous cause anywhere within the geographical limit stated. The plan, however, doesn't cover Loss or damage arising from wear & tear, electrical breakdown, breakage of glass, theft from unattended vehicles, detention or confiscation by customs or other authorities are also excluded unless included specifically

Plate glass : Covers loss / damage to fixed plate glass, which is plain and of ordinary glazing quality and/or glass with embossing, silvering, lettering, bending/curving or ornamental work, due to breakage by any accidental, external and visible means. It does not, however, cover Losses due to pre-existing cracks or other imperfections, Damage to framework and Disfiguration / scratching

Burglary : The plan covers Loss and/or damage by burglary, housebreaking (theft following upon actual, forcible and violent entry of and/or exit from the premises) includes hold-up risk and damage caused to premises while attempting the same. Please note that the policy doesn't cover Loss and/or damage arising out of riot, strike, civil commotion and by use of keys to safe unless the keys are procured by force

Fidelity guarantee : Covers pecuniary loss sustained as a result of act of fraud or dishonesty in respect of monies or goods of the employer committed by the employees in the course of performance of their duties. The policy does not cover loss on account of change in any circumstances and conditions of the said employment and loss arising outside India

Money insurance : The plan covers loss of money in transit by the insured or insured's authorized employee(s) occasioned by robbery, theft or any other fortuitous cause. It also offer coverage against loss of money in transit by the insured or insured's authorized employee(s) occasioned by robbery, theft or any other fortuitous cause. Please note that the plan does not cover losses and/or damage due to floods, cyclones, earthquakes and other convulsions of nature, riots and strikes and terrorist activities, shortage due to error, omission, by use of keys to safe(s) or strong room (unless such keys are obtained by force or threat), whilst being carried under contract of affreightment, theft from unattended vehicle and consequential loss.

Group health / Group health (floater) : The plan reimburses hospitalization expenses incurred for diseases contracted or injuries sustained in India and covers medical expenses upto 30 days for pre-hospitalization and upto 60 days for post-hospitalization. The policy, however, does not cover certain diseases and ailments such as AIDS, Pregnancy, dental treatment, cost of spectacles/ contact lenses, diseases contracted during first 30 days certain specified diseases during first year of the policy and Pre-existing diseases. However you have the option to extend the coverage benefit to cover pre-existing diseases

Group personal accident : The cover compensates the insured in case of accidental death, loss of limbs and eyes, permanent total disablement and permanent disablement and does not cover losses arising out of suicide, self-injury, venereal diseases and pregnancy. Please note that the benefits could be extended to cover medical expenses following an accident.

Critical illness insurance : The plan pays the sum insured, if during the policy period, the insured is found to have contracted and survives such critical illness for at least 30 days from the date of its discovery. The critical illnesses covered are: cancer, kidney failure, stroke, paralysis, end stage liver disease, major organ transplant, heart valve replacement, coronary artery bypass graft surgery and myocardial infarction (heart attack). The diseases that are covered are Pre-existing illness, congenital illnesses, claims related to pregnancy/childbirth, HIV/AIDS/sexually transmitted diseases

Public liability (non-industrial risk) : Covers legal liability of the Insured towards damages to third party in respect of: 1. Accidental death, bodily injury or disease 2. Loss or damage to property arising out of such accidents 3. Legal costs and expenses incurred depending on exposure, two limits of indemnity under the section have to be fixed 4. Any one accident (AOA) 5. Any one year (AOY) AOA and AOY can be in the ratio of 1:1, 1:2, 1:3 or 1:4. The plan does not cover pollution liability, any product liability, any professional services deficiency, personal injuries such as libel, slander, fines, penalties and punitive and exemplary damages. The policy can be extended to cover Sports facilities and Swimming pool

Employer's liability (workmen's compensation): Covers two forms of insurance: Table 'A' - Indemnity against legal liability to all employees (whether or not coming within the definition of the term workmen) under the W. C. Act 1923 and subsequent amendment to the said Act prior to the inception of the cover, the fatal accidents Act, 1855 and at common Law. Table 'B' - Indemnity against legal liability under the fatal accidents Act, 1855 and common law. (Table 'B' policies may not be issued to cover employees who fall within the definition of "Workmen" under the workmen's compensation act, 1923 as amended).

The plan does not offer coverage for losses arising out of contractual liabilities

• War & warlike operations & civil commotion
• Nuclear perils & radioactive contamination
• Consequential losses of any kind
• Willful act or gross negligence or willful negligence
• Any loss/damage arising out of terrorism, except in health and PA related covers

Hotel corporate cover is designed specifically for hospitality industry/hotel sector. The innovative endeavor brings to you the flexibility to design the policy as per your needs by allowing you to choose the covers that you may require to protect your property and manpower, all with the convenience of a single policy. Scope of cover

Standard fire and special perils covers perils like fire, acts of God and other special perils

Boiler pressure plant insurance covers boilers and other pressure vessels both fired unfired against losses due to explosion or collapse

All risks insurance covers loss or damage to functional equipments like computers, industrial equipments etc and non-functional equipments like laptops etc. against fire, riot and strike, terrorist activity, theft, accident, any of which arising from any fortuitous cause

Plate glass covers any loss or damage to fixed plate glass due to breakage by any accidental, external and visible means

Burglary covers loss and/or damage by burglary, housebreaking (theft following upon actual, forcible and violent entry of and/or exit) including hold-up risk and damage caused to premises while attempting the same

Fidelity guarantee covers pecuniary loss sustained as a result of act of fraud or dishonesty in respect of monies or goods of the employer committed by the employees

Money insurance covers loss of money in transit by authorized employee(s) due to robbery, theft or any other fortuitous cause. The section also covers loss by burglary or house breaking, robbery or hold up whilst money is retained at the Insured's premises in safe(s) or strong room

Public liability covers can be extended to cover -Legal Liability of the Insured towards damages to third party in respect of accidental death or bodily injury or disease and loss or damage to property arising out of such accidents. It also covers legal costs and expenses incurred with prior consent of the Insurer and within the limit of the indemnity

Employer's liability (workmen's compensation) covers -two forms of risks viz, Table 'A' - Indemnity against legal liability to all employees under the W.C. Act 1923 and subsequent amendment to the said act prior to the inception of the cover, the fatal accidents act, 1855 and at common law."
Table 'B' - Indemnity against legal liability under the fatal accidents act, 1855 and common law

Group health / Group health (floater) covers - reimbursement of hospitalization expenses incurred for diseases contracted or injuries sustained in India. Medical expenses up to 30 days for Pre - hospitalization and up to 60 days for post - hospitalization are also admissible

Group personal accident covers the insured in case of accidental death, loss of limbs and eyes, permanent total disablement and permanent partial disablement

This policy gives coverage for all of its properties and assets and employees. This policy is specifically designed keeping the requirements of hospitality sector in mind, for example boiler and pressure plant insurance which is unique to this industry, is available under this policy. Flexibility of designing the policy as per your needs, allows you to choose the covers that you may require to protect your property and manpower, all with the convenience of a single policy.

The premium is rate is different for different sections under the policy. Based on the covers chosen, the combined premium is calculated based on amount of risks to be covered under each one of the sections. For example, under all risk insurance, the premium is determined based on the type of equipments and also no of those equipments, for group personal accident policy, the premium depends on the type of employees, amount of sum insured opted for each employee and no of employees to be covered under the policy.

Who can buy this policy?
Hotels, cafes, guest houses or any establishment in the hospitality sector can buy this policy

Which are the compulsory sections under this policy?
You can opt for any two or more sections available under this policy.

Can I cover more than one property under one package policy?
Yes, this facility is available under this policy.

ICICI Lombard brings you a package policy meant for petrol pumps, CNG stations and all other properties inside the petrol stations. This innovative endeavor brings the flexibility of designing the policy as per your needs. It allows you to choose the covers that you may require to protect your property and manpower, all with the convenience of a single policy. The various covers that are offered by the product are mentioned below. Scope of cover

Standard fire and special perils covers perils like fire, acts of God and other special perils

Plate glass covers any loss or damage to fixed plate glass due to breakage by any accidental, external and visible means

Burglary covers loss and/or damage by burglary, housebreaking (theft following upon actual, forcible and violent entry of and/or exit) including hold-up risk and damage caused to premises while attempting the same

Fidelity guarantee covers pecuniary loss sustained as a result of act of fraud or dishonesty in respect of monies or goods of the employer committed by the employees

Money insurance covers loss of money in transit by authorized employee(s) due to robbery, theft or any other fortuitous cause. The section also covers loss by burglary or house breaking, robbery or hold Up whilst money is retained at the Insured's premises in safe(s) or strong room

Public liability covers can be extended to cover -Legal Liability of the Insured towards damages to third party in respect of accidental death or bodily injury or disease and loss or damage to property arising out of such accidents. It also covers legal costs and expenses incurred with prior consent of the Insurer and within the limit of the indemnity

Employer's liability (workmen's compensation) covers -two forms of risks viz, Table 'A' - Indemnity against legal liability to all employees under the W.C. Act 1923 and subsequent amendment to the said act prior to the inception of the cover, the fatal accidents act, 1855 and at common law."
Table 'B' - Indemnity against legal liability under the fatal accidents act, 1855 and common law

Group health / Group health (floater) covers - reimbursement of hospitalization expenses incurred for diseases contracted or injuries sustained in India. Medical expenses up to 30 days for Pre - hospitalization and up to 60 days for post - hospitalization are also admissible

Group personal accident covers the insured in case of accidental death, loss of limbs and eyes, permanent total disablement and permanent partial disablement

This policy gives coverage for all of its properties, assets, cash, dishonesty of the workers & workers employed by you to run the petrol station. Flexibility of designing the policy as per your needs, allows you to choose the covers that you may require to protect your property and manpower, all with the convenience of a single policy.

The premium for this policy is calculated based on the covers opted for and also the values of the property, machinery.

Who can buy this policy?
Petrol/CNG station owners can buy this policy

Can a retail outlet in the petrol station premise be covered under this policy?
Yes, any property inside the petrol pump can be covered under this policy.

Can I cover more than one property under one package policy?
Yes, this facility is available under this policy.

ICICI Lombard brings package policy meant for shopping malls, multiplexes, cinema halls, lifestyle centers, megamarts, hyper malls etc. This innovative endeavor brings the flexibility of designing the policy as per your needs. It allows you to choose the covers that you may require to protect your property and manpower, all with the convenience of a single policy. The various covers that are offered by the product are mentioned below. Scope of cover

Machinery breakdown covers loss due to accidental electrical and mechanical breakdowns to machinery :

Standard fire and special perils covers perils like fire, acts of God and other special perils

Machinery breakdown covers loss due to accidental electrical and mechanical breakdowns to machinery

Electronic equipment covers losses due to perils like fire, burglary, acts of God (AOG) and accidents to electronic equipment

All risks (portable equipments) covers loss or damage to portable equipments by fire, riot and strike, terrorist activity, theft, accident, any of which arising from any fortuitous cause

Plate glass policy covers any loss or damage to fixed plate glass due to breakage by any accidental, external and visible means

Burglary policy covers Loss and/or damage by burglary, housebreaking (theft following upon actual, forcible and violent entry of and/or exit) including hold-up risk and damage caused to premises while attempting the same

Fidelity guarantee policy covers pecuniary loss sustained as a result of act of fraud or dishonesty in respect of monies or goods of the employer committed by the employees

Money policy covers loss of money in transit by authorized employee(s) due to robbery, theft or any other fortuitous cause. The section also covers loss by burglary or house breaking, robbery or hold Up whilst money is retained at the Insured's premises in safe(s) or strong room

Public liability Policy can be extended to cover - legal liability of the Insured towards damages to third party in respect of accidental death or bodily injury or disease and loss or damage to property arising out of such accidents. It also covers legal costs and expenses incurred with prior consent of the Insurer and within the limit of the indemnity

Employer's liability (workmen's compensation) covers - two forms of risks viz, a. Table 'A' - Indemnity against legal liability to all employees under the WC act 1923 and subsequent amendment to the said act prior to the inception of the cover, the fatal accidents act, 1855 and at common law." b.Table 'B' - Indemnity against legal liability under the fatal accidents act, 1855 and common law

Group personal accident covers - a. The insured in case of accidental death, loss of limbs and eyes, permanent total disablement and permanent partial disablement b. Critical care insurance provides benefits in case of nine defined critical illnesses

This policy gives coverage for all of its properties, assets, cash, machineries, electronic equipments and also the employees. Flexibility of designing the policy as per your needs, allows you to choose the covers that you may require to protect your property and manpower, all with the convenience of a single policy.

Premium under the policy is calculated based on no of sections opted for, values of the property, no of workers and also amount covers opted for each of the workers and various other policies like liability policy.

Who can buy this policy?
Shopping malls, multiplexes, cinema halls, lifestyle centers, megamarts, hyper malls can buy this policy

Are the cars parked in the shopping mall premises covered under the policy?
No.

Can I cover more than one property under one package policy?
Yes, this facility is available under this policy.

Tea manufacturing is a prominent industry in India. Like other crops, tea too is exposed to various natural and man-made perils. Tea crop policy is specially designed for manufacturing, transit and growth of tea. The cover is divided into three sections covering not just the plucking and transporting of tea but also the storage and blending and packing. Right from the time the green leaf is plucked till it reached the distributors'/ wholesalers' godowns, we take care of the unforeseen events that can affect your business.

The cover is divided into three sections :

Section I : Is applicable to tea crop insurance for policies issued garden wise only this insurance attaches from the time the green leaf is plucked at the assured's estate and while being processed at the factory. It continues while in transit by approved conveyance(s) and/or vessel(s).

Section II : Is applicable to inland & overseas transits of tea, including storage. Transit policies are issued to individuals or companies, who purchase "Made" teas sold at gardens and/or the various auction centres of India and/or from any other source with a view to dispatching the same to various places in India or abroad to buyers or distribution centres

Section III : Transit includes storage for blending, processing, packing, etc of made tea. Policies under this section are issued to cover transits within India between purchase centres and F.O.B. points/Inland sale outlets/wholesalers depots/ distributors, including cover during processing, blending and packing at various incidental storages at godowns/ warehouses. Such policies may be issued to individuals or corporate bodies or garden owners. This insurance is against all risks of physical loss of or damage to the subject-matter insured

Sum insured can be selected either on :

• Agreed value or
• Provisional value basis

For arriving at the provisional value, average realised value for three completed and adjusted years immediately preceding the expiring year should be taken into account.

This policy does not cover loss or damage to green leaf or partly/wholly manufactured tea caused by :

• Absence or shortage of labour
• Stoppage of power supply
• Breakdown of machinery
• Fault
• Any trade loss
• Neglect or defect in the manufacturing process or packing materials
• Loss pertaining to previous season's manufactured Tea held back in garden

• War
• Strike
• Civil commotion (for overseas shipments)
• Riot
• Storage cover

ICICI Securities has a dedicated practice to assist companies with capital mobilization through the private equity / venture capital route across their life-cycle.

We help companies to raise capital during the seed, growth and expansion phases as well as acquisition financing, structuring the deal to maximize value for all its stakeholders.

Our extensive industry knowledge across multiple sectors, wide-ranging deal structuring capabilities and thorough grasp of the regulatory environment make us the 'banker of choice', for companies and private equity funds alike.

We have working relationships with all major private equity players, both in India and abroad and can facilitate access for our clients to these investors. We advice on a wide variety of products including mezzanine and private equity financing, secondary sale transactions, pre-IPO deals and preferential allotments by listed companies.

• Fire insurance
• Vehicle insurance
• Marine insurance
• Credit insurance
• Liability insurance
• Shop insurance
• Industrial insurance
• Corporate overseas travel insurance
• Customized business products

• Loan against properties
• Loan against securities
• Overdraft
• Dropline overdraft
• Term loans
• Demand loans
• Letter of credit
• Export credit
• Bank guarantee
• Loan against credit card receivables

ICICI Securities has been at the forefront of capital markets advisory for several decades and has also been involved in most of the major book- building and fixed -price public equity issuances in recent times. We are amongst the leading underwriters of Indian equity and equity linked offerings with unparallel execution capabilities. We provide end-to-end fund raising solutions, from structuring to placement of the equity instrument.

Our products include initial public offerings (IPOs), rights offerings, convertible offerings, and private placement and international offerings, for both, unlisted and listed entities.

How do you get your employees to focus on your job and stay committed for long tenures? Human resource experts agree that employees work with utmost dedication when they believe their organization truly cares about their wellbeing. Your kind gesture to safeguard their family's future will undoubtedly serve as great encouragement for your employees, and they will gladly offer you their whole-hearted commitment.

One way of showing your concern for your employees is to shoulder the two responsibilities they worry about most: Security of and savings for their families. Group insurance plans from ICICI Prudential enables you to effortlessly provide your employees with both, savings and security, so they can pass on the benefits to their loved ones.

Group Plans

• Superannuation
• Annuity
• Group term insurance
• Gratuity
• Leave encashment
• Group personal accident insurance
• Group health insurance
• Workmen's compensation

Our focus is to enable companies to increase productivity and performance through their people. Our in-company training solution is all about your organization - we can work with you to identify your individual and company wide training needs to deliver a course that meets your needs.

The training needs evolves around the following :

• Communication skills
• Presentation skills
• Team building
• Leadership skills
• Customer service

We bring to you the best value for money through competitively priced brokerage charges for online share trading services from www.icicidirect.com. With a 3-in-1 account consisting of a trading account, ICICI Bank savings account and demat account, you can stay connected to the market at all times.

We bring to you the best value for money through competitively priced brokerage charges for online share trading services from www.icicidirect.com. With a 3-in-1 account consisting of a trading account, ICICI Bank savings account and demat account, you can stay connected to the market at all times.

Our structured product offerings are tailor-made to suit your investment objective and risk appetite. Our services include portfolio management services and specially designed products that are equity or index- linked in nature

We offer products which complement your existing investments eg. art funds, private equity funding, realty funds. So, if you�re looking beyond the stock market, you'll find us there too!!!

Choose from our wide variety of fixed deposits. Be it that recurring deposit for your monthly savings plan, or your floating rate deposits to take advantage of dynamic interest rates. We have them all.

No need to worry about your family's future or your expenses post-retirement. We have protection and pension covers too for you.

We don't just protect your life, but also make everyday living simple. We offer products in areas of health insurance, home insurance, travel insurance and motor insurance. So stay protected wherever you are�be it driving your favorite car or flying the skies!!!

The equity advisory group consists of a team of specialists dedicated to providing customized investment solutions aimed at maximizing returns from the capital markets.

Equity advisory group- value proposition

Your personal relationship manager will develop a tailormade investment strategy after thoroughly understanding your financial objectives and risk profile. He will also keep you updated of all relevant information pertaining to your financial needs

Our team of financial experts will systematically scan the investment universe to identify suitable opportunities for you. They will also review your portfolio to monitor risk and align them with your requirements

We encourage active participation of our clients in the investment process. They will have access to technical and fundamental analysis workshops, exclusive meetings with company managements and investor camps

The ICICI direct advantage: We offer a unique 3-in-1 on-line trading account with seamless, secure and Integrated 3-in-1 trading platform. It links your banking, trading and demat accounts, ensuring unmatched convenience.

With an ICICIdirect.com account, you get the following benefits :

• Seamless trading
• Security
• Wide range of products
• Award winning research

What is so unique about ICICIdirect.com? It is a unique 2-in-1 account that gives you :

• Convenience
• Speed
• Control
• Rich content
• Trust

ICICIdirect.com offers you various options while trading in shares :

Cash trading : This is a delivery based trading system, which is generally done with the intention of taking delivery of shares or monies

Margin trading : You can also do an intra-settlement trading upto 3 to 4 times your available funds, wherein you take long buy/ short sell positions in stocks with the intention of squaring off the position within the same day settlement cycle

Margin plus trading : Through margin plus you can do an intra-settlement trading upto 25 times your available funds, wherein you take long buy/ short sell positions in stocks with the intention of squaring off the position within the same day settlement cycle. Margin plus will give a much higher leverage in your account against your limits

Futures : Through ICICIdirect.com, you can now trade in index and stock futures on the NSE. In futures trading, you take buy/sell positions in index or stock(s) contracts having a longer contract period of up to 3 months.

Options : An option is a contract, which gives the buyer the right to buy or sell shares at a specific price, on or before a specific date. For this, the buyer has to pay to the seller some money, which is called premium. There is no obligation on the buyer to complete the transaction if the price is not favorable to him

ICICIdirect.com offers you various options while investing in mutual funds :

Purchase : You may invest/purchase from a host of finds without the hassles of filling application forms

Redemption : You can redeem the mutual fund units through ICICIdirect.com. The money will be credited to your bank account automatically 3 days after the order placement date

Switch : You can switch your monies online from one scheme to another in the same fund family without any hassles

Systematic investment plans (SIP) : SIP allows you to invest a certain sum of money over a period of time periodically. ICICIdirect.com will do the rest for you automatically investing periodically for you

The active trader service is an innovative offering from ICICI Securities which is ideal for those who are truly 'born traders'.

As a customer of the active trader service, we assure you truly personalized service with a dedicated relationship manager assigned to your account.

We have also set up a special research team who are focused on helping you achieve your targets. The research team which has developed a robust set of research products to help you make informed investment decisions, depending on your risk profile, by analyzing derivative market cues and other news, market and corporate information.

Objective : To provide the income tax related /accounting services to ICICI Direct existing customers as well new customers. Apart from filing returns ,tax saving investment advise will also be given to the customer. Customized investment plan suiting the customer requirement is given.

Services on offer are :

• Advising on tax optimization investments decisions
• Advising on payment of advance tax and self assessment tax
• Computation of taxable income and tax payable thereon
• Preparation of tax return
• Filing of return with the tax authorities
• Representations / assistance in scrutiny assessment u/s 143 of income tax act, subject to payment of additional fees

Life insurance ensures that your family will receive financial support in your absence. Put simply, life insurance provides your family with a sum of money should something happen to you. It protects your family from financial crises.

The core benefit of life insurance is that the financial interests of one�s family remain protected from circumstances such as loss of income due to critical illness or death of the policyholder. Simultaneously, insurance products also have a strong inbuilt wealth creation proposition. The customer therefore benefits on two counts and life insurance occupies a unique space in the landscape of investment options available to a customer.

A retirement plan is an assurance that you will continue to earn a satisfying income and enjoy a comfortable lifestyle, even when you are no longer working. An increasing number of young Indian professionals are moving away from the traditional joint family structure. Since support no longer comes easily, parents have realized the need to provide for themselves during their retirement years.

ICICI Prudential offers two key retirement plans, life link super pension and life time super pension - flexible income cum insurance plans that ensure you meet all your retirement requirements. So you can retire peacefully from work, but not from life.

A comprehensive package policy for your two wheeler or four-wheelers, securing them against damage caused by natural and man-made calamities.

It covers you against acts of terrorism. You may also avail of personal accident and third party liability cover in the same policy.

Secure your family against financial emergencies during sudden illness, surgery and accidents as well as against terrorist activities.

Family floater health insurance covers your entire family under a single policy. The coverage is shared amongst the members of your family, hence your entire family gets protection under a single plan.