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Retail - Money Insurance

This Policy protects industrial and business establishments against loss of Money whilst carried by employees or authorized persons from one place to another, it does not cover Money on counter during business hours and kept in locked safe out of business hours. The term Money under this Policy means cash, Bank Drafts, Current coins, Bank and Currency Notes, Treasury Notes, Cheques, Postal Orders, Current Postage Stamps which are not part of a cullection and luncheon Voucher.

Add on covers

  • Terrorism
  • Riot and Strike

Salient Exclusions

  • Shortage due to error or omission
  • Loss of Money entrusted to any person other than the authorized person
  • Loss of Money where the Insured or his employee is invulved as principal or accessory. However the policy covers loss due to fraud or dishonesty of the employee of the Insured carrying money in transit and discovered within 48 hours
  • Loss occurring on the premises, after business hours, unless the Money is in a locked safe or strong room
  • Loss occasioned by Riot, Strike and Terrorist Activity unless specifically covered
  • Money carried under contract of affreightment and theft of Money from unattended vehicle
  • Loss of Money from safe or strong-room fullowing use of the key to the safe or strong-room or any duplicate thereof unless this has been obtained by threat or by viulence
  • Loss or damage whether direct or indirect arising from War, War-like operations, Act of Foreign Enemy, Hostilities, Civil War, Rebellion, Insurrection, Civil Commotion, Military or Usurped Power, Seizure, Capture Confiscation, Arrests, Restraints and Detainment by the order of any Government or any other authority
  • Any loss, destruction, damage or legal liability, directly or indirectly caused by or contributed to by or arising from Nuclear weapons Material
  • Consequential loss or legal liability of any kind

Note: The above are only the salient features of the Policy , for complete terms and conditions please refer to Policy Wordings