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It is the concern of property owners and all others financing the purchase of movable items to seek insurance protection for the subject matter vulnerable to the risk of burglary.
Burglary insurance is available for:-
The contents of the residence being a private dwelling house, apartment or flat,
2) BUSINESS PREMISES
a) goods products and other movable items in the business premises or
b) stored at godowns and warehouses.
The cover protects the property owners and other persons legally interested therein for the loss by theft consequent upon :-
v Actual forcible and violent entry upon the premises
v Committed by any person (s) feloniously concealed thereon
v damage to the property insured or to the premises due to theft (subject to the policy terms, conditions and exclusions)
PERSONAL ACCIDENT INSURANCE
Everybody is exposed to various hazards in the day to day activities. One of the main classes of risks of very serious nature an individual is faced with is the personal risks of accidental death or permanent disablement; the latter can result in poor health and drastic fall in earning capacity.
The policy devised by SGI in respect of
i) Personal Accident (Individual Persons)
ii) Group Personal Accident
covers the accidental bodily injury causing
1) Death 2) Permanent total disability
3) Partial disability
The coverage for personal accident including travel is worldwide.
SGI policy for money insurance is broadened to include Cash, Bank notes, Cheques, Postal order, or Money orders.
CASH IN TRANSIT
The major risks involved are Robbery, Holdup and Theft. The insurance cover is available against loss occasioned by forcible, violent, external and visible means.
CASH IN SAFE
CASH ON COUNTER
The indemnity is provided for loss of
1) cash in safe 2) cash on counter
by theft consequent upon actual forcible and violent entry upon the premises insured.
(subject to the policy terms, conditions and exclusions)
FIDELITY GUARANTEE INSURANCE
It is required by the employers interested in the cover whereby they are indemnified against losses resulting from the dishonesty of the employees. The SGI Fidelity Guarantee policy covers all such direct pecuniary losses as a result of any act of fraud or dishonesty committed by the employee(s). Consequential loss is not covered.
SGI underwriters have the honor of rendering service for the suitability of cover from the following types of fidelity guarantee policies:-
1- Named person (Individual) policy. 2- Collective policy
3- Blanket policy . 4- Positions policy.
1- Plate glass insurance 2- Mobile phone insurance
3- All Risks insurance (Personal effects only) 4- Workmen’s compensation
5- Employers Liability 6- Products liability
7- Public liability 8- Third party liability