Policy covers (I) building including landlord’s fixtures, fittings, boundary wall and fences against fire and allied perils including earthquake and Storm, Tempest, Flood, Inundation etc perils. (IIA) Office contents against perils as per section I including burglary, robbery and dacoity. (IIB) Tenants liability – liability as a tenant for damage to office premises including fixtures and fittings against perils as per IIA. (III) Money whilst in transit, on the premises during office hours and in safe after office hours against any accident and/or misfortune (IV) Fixed Glass and sanitary fittings including damage to frames against accidental breakage (V) Fidelity Guarantee of any salaried person employed by insured against pecuniary loss caused by fraud and/or dishonest act (VIA) Electronic equipment and data carrying material against unforeseen sudden physical loss or damage due to any cause other than those specifically excluded (VIB) Cost of re-instatement of data and programme as per Sec. VIA. (VIC) Portable commuter whilst being carried anywhere in the world against perils as per VIA. (VII) Additional expenses of rent for alternate accommodation if premises occupied is damaged and declared unfit for occupation against perils as per Sec. IIA. (VIII) Personal accident insurance for elf and employees against death, permanent total or partial disablement and temporary total disablement due to accident. (IX) Breakdown of Office appliance and electrical and mechanical gadgets (X) Loss or damage to baggage belonging to self or employees whilst on journey anywhere in the world against accident or misfortune (XI) Public Liability and Workmen’s compensation. (XII) Mediclaim – expenses incurred during hospitalization in any hospital as per Health Insurance Policy. Policy provides for discounts if more than minimum number of sections are covered. Renewal Claim Free discount is also offered.