Office Insurance
National Insurance Company Limited (NICL) ka Office Insurance Plan aam taur par ek single policy nahi, balki ek Comprehensive Package Policy hota hai, jise “Office Package Policy” ya “Business Package Policy” ke naam se jaana jaata hai. Yeh policy khaas taur par offices, service establishments, aur chote/madhyam aakar ke businesses ki zarooraton ko dhyan mein rakh kar design ki jaati hai.
Iska maqsad (purpose) office ki building, contents, electronics, employees, aur legal liabilities ko ek hi jagah par kai tarah ke khatron se suraksha (protection) dena hai.
1. Office Insurance Plan Ka Structure (Mukhya Hissa) 🏢
NICL ka Office Insurance Plan kayi alag-alag sections (hisson) mein divided hota hai, jise aap apni zaroorat ke hisaab se choose kar sakte hain. Main sections ye hain:
A. Property Damage Section (Sabse Zaroori)
Yeh hissa aapke office ki physical assets ko cover karta hai.
1. Building/Structure (Imaarat): Agar aap office ke owner hain, toh building, walls, floors, aur permanent fixtures cover honge.
2. Contents (Office Ka Saamaan): Yeh hissa sabse zyada important hai. Ismein cover hote hain:
Furniture and Fixtures: Tables, chairs, cabin partitions, AC units, fans, lighting, etc.
Office Equipment: Printers, fax machines, telephones, servers (agar alag se cover na ho), file cabinets.
Covered Perils (Khatre): Yeh saamaan in sabse cover hote hain (jaisa ki Standard Fire and Special Perils Policy mein hota hai):
Fire (Aag), Lightning (Bijli Girna), Explosion/Implosion.
Earthquake (Bhukamp) (agar optional cover liya gaya ho).
Riot, Strike, Malicious Damage (RSMD).
Flood, Storm, Cyclone (Baadh aur Toofan).
B. Burglary and Theft Section (Chori aur Dakaiti) 🚨
Office mein rakhi high-value assets ko chori se bachana bahut zaroori hai.
Coverage: Office ke contents (saamaan) aur cash/valuables (agar specifically cover kiye gaye ho) ka nuksaan jab woh Burglary/Housebreaking (yani forcible aur violent entry/exit karke chori) ya Robbery (dara-dhamka kar chori) ke dauraan hote hain.
Exclusion: Simple Theft (bagair zabardasti ghuse chori) aur kisi employee dwara ki gayi chori (Fidelity Guarantee Policy mein cover hoti hai) aam taur par exclude hoti hai.
C. Money Insurance Section (Cash Ki Suraksha) 💵
Offices mein cash ka aana-jaana laga rehta hai.
Money in Safe: Office hours ke baad safe (tijori) ya strong-room mein rakhe cash, cheques, aur stamps ka nuksaan agar woh Burglary ya Housebreaking se hota hai.
Money in Transit: Office ke kisi employee dwara bank se office ya office se bank le jaate waqt raste mein hone waali chori ya loss. Ismein ek fixed limit (rashi) hoti hai.
D. Electronic Equipment (EE) Section 💻
Aaj ke daur mein office ka sabse keemti saamaan electronic items hi hote hain.
Coverage: Computers, Laptops, Servers, aur anya electronic devices ko hone waala nuksaan (sirf fire ya theft se nahi).
Perils Covered:
Accidental Damage: Galti se gir jaana, pani gir jaana, ya haath se toot jaana.
Electrical/Mechanical Breakdown: Short circuit, voltage fluctuation, ya machinery mein achanak kharabi aana.
Data/Software: Aam taur par data aur software loss cover nahi hota, jab tak ki koi specific add-on na ho.
E. Machinery Breakdown (MB) Section ⚙️
Office mein air conditioning plants, lift, ya anya badi machinery ke liye.
Coverage: AC plant ya lift jaise machinery ka achanak aur unforeseen tareeke se kharab ho jaana (jaise ki kisi internal mechanical ya electrical galti se).
Note: Wear and tear (aam ghisavat) ya poor maintenance se hone waali kharabi cover nahi hoti.
F. Liability Section (Zimmedariyon Ka Cover) 🤝
Yeh section office ko teesre paksh ke prati hone waali legal zimmedariyon se bachata hai.
1. Public Liability (Teesre Paksh Ki Zimmedari): Agar koi outsider (customer, vendor, ya visitor) office premises mein aata hai aur use chot lag jaati hai (bodily injury) ya uski property ko nuksaan hota hai, toh uske liye legal compensation ka kharcha.
2. Employers’ Liability/Workmen’s Compensation: Employees ko kaam ke dauran hone waali injury ya death ke liye company ki legal zimmedari (The Employee’s Compensation Act, 1923 ke तहत).
G. Optional/Add-on Covers (Extra Suraksha) ➕
Office ki zaroorat ke hisaab se yeh extra covers liye ja sakte hain:
Business Interruption (Loss of Profit): Agar fire ya kisi cover kiye gaye khatre se office itne buri tarah damage ho jaaye ki kaam band karna pade, toh is bandi (interruption) ke dauran hone waala profit ka nuksaan aur fixed expenses cover hote hain.
Fidelity Guarantee: Employees dwara ki gayi dishonesty, fraud, ya chori se hone waale financial loss ke khilaaf cover.
Portable Equipment Cover: Office ke employees dwara use kiye jaane waale laptops, tablets, ya anya electronic devices ko office ke bahar (in-transit ya home use) hone waale nuksaan ya chori se bachata hai.
2. Policy lene se pehle Zaroori Baatein (Key Considerations)
Sum Insured: Contents ka Sum Insured hamesha Replacement Cost par fix karwayein (yaani, naye saamaan ki kimat). Agar kam cover liya toh Under-insurance ke Rule of Average mein nuksaan hoga.
Security: Office mein achi security measures (CCTV, strong locks, Burglar Alarm) hone par premium mein discount mil sakta hai.
Deductible: Har claim mein ek chota hissa (deductible) policyholder ko khud bharna hota hai.
Conclusion
National Insurance ka Office Package Policy ek must-have solution hai. Yeh ek single policy mein aapke property, technology, cash, aur legal risks ko cover karta hai. Office ke owners ko apni assets ki poori list banakar har section ke liye sahi Sum Insured choose karna chahiye, khaaskar Electronic Equipment aur Business Interruption covers ko zaroor shamil karna chahiye taaki kisi bhi bade jhatke (major loss) ke baad business ki continuity bani rahe.