• Dwellings Offices Shops Hospitals(Located outside the compounds of industrial/manufacturing risks)
• Industrial / Manufacturing Risks
• Utilities located outside industrial/manufacturing risks
• Machinery and Accessories
• Storage Risks outside the compound of industrial risks
• Tank farms / Gas holders located outside the compound of industrial risks

• Fire
• Lightning
• Explosion/Implosion
• Aircraft damage
• Riot Strike
• Terrorism
• Storm Flood inundation
• Impact damage
• Subsidence landslide
• Bursting or overflowing of tanks
• Bush fire etc.

The policy does not cover any loss if

• Loss or damage to property due to :
• Spontaneous combustion fermentation
• Burning of property by order of any Public Authority
• Its undergoing any heating or drying process
• Explosion of boilers (other than domestic boilers)
• Total or partial cessation of work
• Permanent or temporary dispossession by order of Government
• Burglary House breaking theft
• Normal Cracking or settlement or bedding down of new structures
• War or war like operations
• Defective design workmanship defective materials
• Pollution or contamination
• Over-running short circuit etc.
• Earthquake
• Spoilage loss

Some Add on covers..

• Terrorism
• Removal Of Debris
• Architects Surveyors Consulting Engineers fees
• Earthquake (Fire and Shock only)
• Spontaneous combustion
• Startup expenses
• Spoilage Material Damage Cover
• Leakage and Contamination cover

These additional covers are available by payment of additional premium.