Fire Insurance
Burglary Insurance
Any property belonging to a business or house held stolen from the business premises or from the house, the Burglary Insurance Policy will indemnify the insured for the loss of property from the insured premises subject to forcible entry into the premises by breaking wall, windows, grills fence and locks. In such cases the matter must be reported to the police in writing and after entry of the report the insured must obtain a certified copy of F.I.R. from the concerned police station. It is the duty of the insured to pursue the matter with the police for the recovery of stolen property from the culprits.
Allied Perils
This is the most important and basic form of insurance and is essential for all types of business concerns. Fire and Allied Perils Insurance provides comprehensive cover in respect of loss of or damage to your property against fire and lightning. To further safeguard the interest of our valued clients the policy can be extended to cover riot and strike damage, malicious damage, atmospheric disturbance, earthquake (fire and shock), explosion, impact damage, aircraft damage etc.
Home Insurance Plan
To live in one’s own home is cherished by every one of us. In these tough times, it is very hard to retain a house, which is exposed to several risks such as riot and strike damage, malicious damage, atmospheric disturbance, earthquake (fire and shock), explosion, impact damage and aircraft damage. The United Insurance provides a policy to cover the interest of homeowners. The plan provides coverage on building as well as contents against the risks the property may be exposed to. The coverage for buildings includes the risks of fire and all dry/wet perils. Contents (including jewellery and cash) are similarly covered including the risks of burglary and dacoity.
Besides material damage, PGICL Home Insurance also provides for loss or rent, legal liability to public and domestic servants.
Hotel Owner All Risk
As the name of policy signifies, it is specially designed to cater to all the insurance needs of a hotel owner. This policy has been adapted from the wording prevalent in international markets, as such coverage provided by it meets the requirements of management agreements, which owners usually enter with international chains of hotels. This policy is divided into 8 sections covering fire and supplemental Perils Insurance. Business interruption following Fire and Supplemental Perils, Comprehensive Plate Glass Insurance, Boiler and Machinery Breakdown Insurance, Business Interruption following Machinery Breakdown, Comprehensive General Liability, Comprehensive 3D Bond Insurance and Workmen's Compensation Insurance.