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Property and Misc Insurance

Property & Misc Insurance

HDFC ERGO Property Insurance provides coverage for companies and firms, against loss of property through fire and other perils. It protects not only property but everything that is associated with it through our products – like Plate Glass, Contractors All Risk Insurance, Industrial All Risk Insurance, Baggage, Money and the all encompassing - Business Suraksha package.

We offer protection against a broad range of risks on your business property / premises. The key products offered in the Indian market are as follows:


The policy provides coverage against burglary, theft including hold-up risk and damage caused to interest covered.

Consequential Loss - Fire

This policy covers you for the losses you incur from disruption to your business following a fire.

Business Suraksha

This is a unique package policy which provides choice of all type of covers under one Package Policy.

Contractors Plant & Machinery

The policy provides the hassle-free way to protect loss or damage to machinery, equipment and tools used for construction due to an accident arising out of external perils.

Contractors All Risk

The comprehensive policy covers the contractor/principal from physical loss or damage to property, plant, machinery and tools, project items /works brought on to the site and temporary works erected on-site, as well as third party liability related to work conducted on the site.

Electronic Equipment

The policy covers the assets so vital to keeping your business functioning smoothly – your electronic equipment and data.

Erection All Risk

The policy provides comprehensive coverage against storage, assembly/erection, testing and commissioning of the facility, new green field projects or dismantling and re-constructing it.

Fidelity Guarantee

This policy covers monetary loss sustained as a result of act of fraud or dishonesty committed by the employees while performing their duties.

Fire & Special Perils

This Policy protects you from financial losses arising out of “Named Perils”

Industrial All Risk

This is a Comprehensive Package Policy which provides cover against unforeseen circumstances including accidental damage to the property, which a large industry may face during its operation.

Machinery Breakdown

This Insurance covers accidental, electrical and mechanical breakdowns of machinery and equipment as a result of internal and external causes.

Money Insurance

The policy broadly covers loss of money in transit by the insured or insured’s authorised employee(s) or money held in safe in the Insured’s premises.

Neon Sign

This Policy covers loss or damage to Neon sign by accidental external means, fire, lightning, external explosion, theft or malicious act.

Plate Glass Insurance

The policy covers accidental breakage of glass used in the façade or interiors of the building at the Insured's premises.

Extended Warranty

This policy covers repair or replacement costs due to breakdown of insured asset arising from manufacturing defects during the extended warranty period.

Inherent Defects Insurance Policy

This policy provides protection against the cost of repairing, restoring or strengthening of the insured building if suffers a damage caused by inherent structural defects.