The policy insures an employer for losses caused by the dishonest acts of its employees.

Retroactive Date” means the date specified in the Schedule and, if none is specified, the commencement date specified for the Period of insurance.

The following are the not covered under this policy :

1. Any loss caused by a particular employee that occurs after:

   • You became aware of an act of employee dishonesty by that employee: or

   • You suspect that employee has committed an act of employee dishonesty

2. Any loss resulting directly or indirectly from trading in securities: whether in your name and whether in a genuine or fictitious account

3. Any act of employee dishonesty committed by a person whom you knew to be dishonest

4. any consequential losses of any kind, be they by way of loss of profit, any loss not reflected in your books of account, loss of opportunity, business interruption, market loss, loss of gain or potential income or gain which should have accrued to you (including but not limited to interest and dividends), or otherwise;

5. any legal liability of any kind

6. any fraudulent or dishonest act of an Employee not discovered within 12 months of the date upon which such Employee ceased to be an employee of the Insured for any reason;

7. Any loss sustained before the retroactive date or more than 2 years before the date of first discovery, whichever may be later

Accountants costs: If we agree to pay a claim we will reimburse you for fees payable by you to external auditors if they are reasonably and necessarily incurred to substantiate the claim.

The maximum amount payable under this item shall be limited to 5% of claim amount subject to a maximum of Rs 10,000/-

You may cancel this Policy by sending a written notice to Us. Retention premium for the period we were on risk will be calculated based on following short period scale .

• Additional Expenses Extension

• Floater Policy

• Accountants Cost

In the unfortunate event of any claim under the policy, please intimate IMMEDIATELY to our Call Centre at Toll Free Numbers: 1800 200 4030 or Email at contactclaims@universalsompo.com. Please note that no delay should be allowed to occur in notifying a claim on the policy as the same may prejudice liability

The documents can be scanned and sent across to enable us to start with the claim process. Once we receive the originals the process would be complete

The documents have to be dispatched to the below address:

Universal Sompo General Insurance Co. Ltd. Airoli Office-Unit No.601 & 602,A wing, 6^th floor, Reliable Tech Park, Cloud City Campus, Gut no 31, Mouje Elthan, Thane Belapur Road, Airoli, Navi Mumbai – 400708

Contact Details:

Name of the company: Universal Sompo General Insurance Company Limited

Registered & Corporate Office: Office No. 103, 1st Floor, Ackruti Star, MIDC Central Road, Andheri (East), Mumbai 400093, Maharashtra. Tel: 02241659800/ 900

Website: www.universalsompo.com.

E-mail: contactus@universalsompo.com

Customer Service: Toll Free Numbers: 1800 22 4030 / 1800 200 4030

Note: Please note that above is the gist. Please read the policy wordings in detail