While most common risks are covered by standard insurance policies that have been enumerated on our other Products pages, there are some risks that are specific, standalone and sometimes unique as well.

Such risks include for example the breakage of frontage glass in prominent showrooms, losses due to fraud or embezzlement by employees, or even a comprehensive package insurance policy for offices, covering all possible risks.

Here is a set of such miscellaneous insurance policies brought to you by Odin for specific needs.

Products

Office/Business Package Policy

Office/Business Package Policy

The Office/Business Package Policy is specifically tailored towards the needs of typical businesses. While the policy offers standard risk cover against fire and allied perils such as earthquake and flood, it also covers typical problems that an office faces such as breakdown of equipment, accidents and burglary. Loss due to fraud, damage to signages like neon lights, expenses towards death of staff on duty, and loss of office material while executives are on tour, are also covered by some insurers.
Plate Glass Policy

Plate Glass Policy

The large sheets of glass that form the facade of many modern offices and showrooms are referred to as ‘plate glass’ in insurance parlance. Damage to such glass is not usually covered under standard policies, due to their very nature of easy damage. However, a special policy exists, i.e Plate Glass Policy, to help cover costs of replacement of such plate glass if there is accidental damage to the same. However, a plate glass insurance too may have many exclusions, so study the policy well before buying it.
All Risk Portable Equipment Policy

All Risk Portable Equipment Policy

A Portable Electronic Equipment Policy covers the losses that may occur due to accidental damage and/or breakdown of portable electronic equipment, including that which may occur due to fire, theft, robbery or malicious damage. Portable electronic equipment include laptops and mobiles.
Burglary Policy

Burglary Policy

A Burglary Insurance Policy broadly covers the loss and/or damage through and due to burglary and housebreaking instances (theft following actual, forcible and violent entry of and/or exit from the premises). The policy could also include cover against hold-up risks and damages caused to your premises.
Money Policy

Money Policy

If while running your business, you are dealing in cash or cash equivalents, you will do well to buy yourself a Money Policy for the amount of cash you may have in hand at any point of time. This applies to both small round-the-corner mom-and-pop stores or larger cash handlers like jewellery showrooms and banks. Under the policy, all money in the form of currency notes and coins, cheques, money orders, postal orders, postage stamps, etc, can be covered against loss either from the premises or during transit.
Fidelity Policy

Fidelity Policy

One of the risks of running a business is possible fraud and underhand dealings involving employees. Such actions could result in embezzlement or even the redirection of company business to their own channels, leading to losses. A Fidelity Policy insures businesses against loss of income caused by such fraudulent actions, once proven. A police report is usually mandated to support such claims.
Special Contingency Policy

Special Contingency Policy

A niche policy that helps cover property, assets or goods against losses arising out of contingencies that are unique and not covered by standard policies is a Special Contingency Policy. Such a policy caters to special requirements of each business or high networth individual, and requires schedules to be written up to list all the contingencies to be covered in each case, and specific compensations to be insured for. Such a policy is better drawn up in the presence of a knowledgeable insurance consultant.

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    Created by Mot Juste