Secure your business with our office package policy
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5 Add-Ons Available
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10+ Risks Covered
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24/7 Customer Support
Office Package Policy
Whether you run a startup, a growing enterprise, or a large corporate office, your workplace holds valuable assets – from high-end electronics and essential equipment to important documents and infrastructure. These are constantly exposed to risks like fire, theft, accidental damage and even natural disasters. A single incident can disrupt operations, cause financial losses and impact business continuity.
This is where IndusInd Office Package Insurance comes in. It offers comprehensive protection for your office premises, contents, and equipment against a wide range of perils. From covering damages to electronics and machinery to protecting against third-party liabilities, our policy ensures your business stays secure.
We offer flexible plans with multiple add-ons so you can tailor your coverage to match your specific needs. With our policy, you can focus on growing your business, knowing your office is protected against life’s what-ifs.
Why Choose Us?
IndusInd Office Package Policy (previously known as Reliance Office Package Policy) is designed to safeguard your business operations and assets from unforeseen disruptions. Our plans help you protect your office premises and ensure business continuity without having to interrupt your workflow.
Instant Policy Issuance*
Get your policy instantly
10+ Risks Covered*
Broad coverage for various risks
5 Specialised Add-Ons*
Enhanced cover for your business
Quick Claim Settlement*
Seamless and transparent claims
Benefits of Office Package Policy
Covers All Risks in One Policy
Instead of juggling multiple policies for fire, theft, and natural disasters, you get everything under one plan. For example, if a fire damages your office furniture and a burglary occurs later in the year, you can claim for both without managing separate policies.
Covers Electronic Equipment
If your office computers, printers, or servers are damaged due to a power surge or accidental breakage, it can halt your operations. This cover ensures repairs or replacement of essential electronic devices so work can resume without long delays.
Third-party Liability Coverage
Clients and visitors often come to your office for meetings or deliveries. If someone slips on a wet floor or is injured due to faulty furniture, this cover takes care of the legal and compensation costs. This helps protect your business from unexpected liabilities and expenses.
Accident Coverage for Employees
An employee tripping over exposed wiring or getting injured while shifting heavy office equipment can lead to costly medical bills. This benefit covers treatment and offers financial support in case of accidental injury or fatality at the workplace.
Covers Breakdowns of Office Equipment
Unexpected mechanical or electrical failures, like a photocopier or air conditioner breaking down, can disrupt daily operations. This cover ensures quick repair or replacement so your office remains functional without incurring heavy costs.
Covers Additional Rent
If your office is damaged in a fire or flood and you need to shift to a temporary location, the rent for the alternate space can be expensive. This cover takes care of those extra costs while your original office is being repaired.
Inclusions and Exclusions Under the Office Package Policy
What’s Covered?
Fire and Allied Perils – Covers damage to office premises and contents due to fire, lightning, explosion, aircraft damage, riots, natural disasters, etc.
Burglary and Housebreaking - Loss or damage to property due to burglary, theft, or attempted theft.
Money Insurance - Covers loss of money in transit and from the premises during and outside business hours.
Fidelity and Plate Glass Cover – Loss due to fraud or dishonesty of employees. Covers accidental breakage of fixed plate glass in the office.
Electronic and Portable Equipment – Covers accidental loss or damage to office electronic equipment and laptops, mobiles, and other portable devices.
Personal Accident (Employees) – Covers death or disability of employees from accidents.
Employers’ and Public Liability – Legal liability towards employees and third parties for injury/damage.
Loss of Profit – Covers financial loss due to the interruption of business after an insured peril.
What’s Not Covered?
Wear and Tear – No cover for normal wear and tear, gradual deterioration, corrosion, insects, or damage due to climatic conditions.
Damage During Alterations – Excludes property damage while undergoing repair, renovation, dismantling, or cleaning.
Wilful Misconduct – Loss or damage resulting from intentional acts, gross negligence, or fraudulent activity by the insured.
War and Warlike Operations – No cover for any loss or damage caused by war, invasion, acts of foreign enemies, hostilities, or warlike operations.
Nuclear Risks – Excludes loss or damage caused by nuclear weapons, ionising radiation, or contamination from nuclear fuel/waste.
Disclaimer: Please refer to the official policy documents for detailed inclusions and exclusions
Add-Ons Available Under Our Office Package Policy
We offer enhanced protection against a wide range of risks, from data breaches and professional liability to damage from natural calamities. So, if you want extra security for your business to protect its valuable assets and minimise financial liabilities, our add-ons are the way to go.
Terrorism Damage Cover
Provides coverage for loss or damage caused by acts of terrorism, including explosions, attacks, or sabotage, ensuring your office property and contents are protected even during extreme, unforeseen events.
Earthquake (Fire and Shock) Cover
This add-on covers damage caused directly by earthquakes, including any fire or shock that follows the seismic event, protecting your business against significant repair or rebuilding costs.
Omission for Additions, Alterations or Extensions
Covers up to 5% of the sum insured (maximum ₹5 lakhs)* for property inadvertently left uninsured during additions, alterations or extensions to the premises, ensuring continuous coverage without gaps.
Removal of Debris Cover
Covers up to 1% of the sum insured (maximum ₹10 lakhs)* for expenses incurred in removing debris after insured damage, helping you clear and restore your workplace quickly.
Escalation Clause
Allows for an increase in the sum insured by up to 25%* during the policy period to account for inflation or rising replacement costs, ensuring your coverage keeps pace with market rates.
Who Should Buy an Office Package Policy?
Corporate Offices and Start-ups
Workplaces with valuable equipment, documents, and client data that need protection from fire, theft, or accidental damage.
IT and Technology Firms
Businesses relying on servers, computers, and specialised electronics that could be expensive to repair or replace.
Consultancies and Professional Services
Firms like law offices, finance agencies, and marketing agencies, where third-party liability and document loss could lead to major financial setbacks.
SMEs and Co-working Spaces
Small businesses and shared office environments that require one policy to cover multiple risks, from equipment breakdown to employee injury.
How to Buy the IndusInd Office Package Policy?
Scroll Up
Scroll up and go to the form at the top of this page to get started.
Assess Needs
Identify risks such as fire, equipment breakdown, or third-party liability.
Submit Details
Share information about your office premises, assets, and employees.
Get a Quote
Include covers like terrorism damage or earthquake cover.
Pay Premium
Once payment is complete, get your policy instantly via email.
Want to buy the best plan for your office?
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How to Claim IndusInd Office Package Policy?
Guidelines
Inform Us Promptly
Immediately notify us through our 24x7 helpline at 022-4890 3009 (Paid), WhatsApp at 7400422200, email at services@indusindinsurance.com, or via the IndusInd Insurance App. For burglary, theft or malicious acts, also inform the police immediately.
Submit Required Documents
Provide the completed claim form along with supporting documents like purchase invoices, proof of ownership, FIR (for theft), fire brigade report (for fire damage), or repair estimates, as applicable to the type of claim.
Assessment and Verification
Our appointed surveyor will assess the damage or loss, verify documents, and confirm that the claim is within the scope of your policy coverage.
Claim Settlement
Once approved under policy terms and conditions, the claim amount will be processed and transferred to your designated account.
Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.
Key Takeaways
India’s commercial real estate sector hit a record high in FY 2024–25, with office space leasing in the top eight cities crossing 89 million sq. ft. Bengaluru, Mumbai and Delhi-NCR led this surge, reflecting growing confidence in physical office spaces. This rapid expansion, driven by the rise of Global Capability Centres and demand for smart, sustainable Grade A offices, also increases the need to safeguard valuable assets.
With IndusInd Office Package Insurance (formerly Reliance Office Package Insurance), you get a single, customisable plan that protects against risks like fire, burglary, machinery breakdown and legal liabilities.
Add-ons like terrorism cover and breakdown protection for electronics ensure complete coverage. Our digital-first policy management and expert 24/7 support make protecting your office simple, letting you focus on business growth while we handle the risks.
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