Scope of the Policy is to cover cyber liability exposures like Libel, Hacking, inadvertent virus transmission, copyright infringement, loss of identity. The policy coverage is on the lines of an errors and omissions policy to cover liabilities arising out of hacking email frauds, web developing, website maintenance and E-commerce.

A term used to describe the liability exposures encountered when communicating or conducting business online. Potential liabilities include the Internet and e-mail. Online communication tools could result in claims alleging breaches of privacy rights, infringement or misappropriation of intellectual property, employment discrimination, violations of obscenity laws, the spreading of computer viruses, and defamation. Media liability policies are available to cover these exposures.

The Policy covers loss or damage of pedal cycle rickshaw by accident, Fire, external explosion, malicious damage, theft etc. Policy also covers liability towards third parties for bodily injury and/or damage to the property.

A type of tropical atmospheric ‘disturbance’ characterized by masses of air rapidly circulating clockwise in the southern hemisphere, a low pressure center, usually accompanied by stormy, often destructive weather. Atmospheric system of low barometric pressure (depression ) accompanied by strong winds that rotate counter-clockwise in the northern hemisphere and clockwise in the southern hemisphere. Called ‘cyclone’ in the Indian ocean and southern Pacific, it is called ‘hurricane’ in the western Atlantic and eastern Pacific and ‘typhoon’ in the western Pacific.