{"id":5601,"title":"Commercial Crime Insurance Plus Proposal Form","purpose":"proposal","insurer":{"slug":"zurich-kotak-general-insurance","name":"Zurich Kotak General Insurance Company (India) Limited"},"source_pdf":"https://cms.zurichkotak.com/uploads/Proposal_Form_Crime_Plus_6584a653e8.pdf","sha256":"b774f9d70d8434614e92678e81c5263b52bf1bd27382567c9828c445b93a524e","pages":5,"collected":"2026-10-17","instructions":{"about":"This form is used by companies (proposers) to apply for Commercial Crime Insurance Plus coverage from Zurich Kotak General Insurance Company. The proposer fills it out to provide detailed information about their business, controls, and risk exposures.","notes":["Fill the form in BLOCK LETTERS.","Fields marked with * are mandatory.","Attach additional sheets if space is insufficient, indicating question numbers.","Information provided will be treated in strict confidence.","Original or cancelled cheques may be required for electronic fund transfer.","Policy issuance is at the sole discretion of the insurer and subject to underwriting policy.","Policy and service communications will be sent in soft copy to the email provided unless physical copy is requested."],"title":"Commercial Crime Insurance Plus Proposal Form","submit":{"to":"Zurich Kotak General Insurance Company (India) Limited","how":"","address":"401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway, Goregaon (East), Mumbai - 400063, Maharashtra, India"},"purpose":"proposal","sections":[{"title":"Proposer's Details","fields":[{"help":"","type":"text","label":"Name of Proposer","options":[],"required":true,"pdf_field":""},{"help":"","type":"text","label":"Address of Head Office","options":[],"required":true,"pdf_field":""},{"help":"","type":"text","label":"Country of Registration","options":[],"required":true,"pdf_field":""},{"help":"","type":"date","label":"Date of incorporation/formation","options":[],"required":true,"pdf_field":""},{"help":"Describe the business activities","type":"text","label":"Nature of Operations","options":[],"required":true,"pdf_field":""},{"help":"Provide data for each region in the columns specified","type":"table","label":"Please list each region you operate in and show in the appropriate column: (i) Annual Turnover (India, Europe, US & Canada, Other), (ii) Number of Locations, (iii) Total Number of Employees","options":[],"required":true,"pdf_field":""},{"help":"","type":"amount","label":"Current Market Value of all Pension and Employee Benefit Plans","options":[],"required":true,"pdf_field":""},{"help":"List acquisitions and turnover","type":"text","label":"(i) Please list all acquisitions and mergers you have made in the past 5 years and indicate the turnover for each acquisition","options":[],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"(ii) Are all recommendations arising from the pre-acquisition due diligence process immediately implemented? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"Explain if recommendations are not implemented immediately","type":"text","label":"If “no”, please provide details","options":[],"required":false,"pdf_field":""},{"help":"","type":"yes-no","label":"Is the Communication address same as the Head Office address? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""}],"filled_by":"proposer"},{"title":"Audit and Corporate Governance","fields":[{"help":"","type":"yes-no","label":"Do external Auditors audit all operations at least annually? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"Have all recommendations by External Auditors regarding internal controls been complied with following your last audit? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"Explain non-compliance with auditor recommendations","type":"text","label":"If “No”, please provide details","options":[],"required":false,"pdf_field":""},{"help":"","type":"yes-no","label":"Is there an Audit Committee which monitors the effectiveness of internal controls and reports directly to the Board? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"Do you comply with all provisions of the Combined Code of Corporate Governance relating to Financial Aspects of your business? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"Explain non-compliance reasons","type":"text","label":"If “No”, please briefly explain reasons for areas of non-compliance","options":[],"required":false,"pdf_field":""},{"help":"","type":"yes-no","label":"Do you have an Internal Audit Department? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"Do they have an established audit cycle for all operations? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"Do you have a Treasury Department? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"Do they have a procedures manual specifying authority levels for each member of staff? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""}],"filled_by":"proposer"},{"title":"Internal Financial Controls","fields":[{"help":"","type":"yes-no","label":"Are wages/salaries independently checked against personnel records for unusual or excessive payments? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"Are duties segregated so that no individual can control any of the following activities from commencement to completion without referral to others? (a) signing cheques or authorizing payments (including capital expenditure) above $5,000? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"(b) issuing funds transfer instructions? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"(d) opening new bank accounts or amending approved signatory details? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"(e) investment in and custody of securities and valuables (including blank cheques, travellers cheques, bills of exchange etc.)? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"(f) refund of monies or return of goods above $5,000? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"(g) disbursement of assets or funds of any Pension Plan? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"(h) appointing new suppliers or awarding contracts? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"(i) disbursement of loans (including loans to employees) or approving borrowings? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"Is all supporting documentation validated before signing cheques or authorising payments above $5,000? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"Are statements of accounts sent to customers independently of employees receiving payment? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"Reconciliation must be independent and monthly","type":"yes-no","label":"Are bank statements independently reconciled by persons not authorised to deposit/withdraw funds, issue funds transfer instructions or dispatch accounts to customers, at least every 30 days? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""}],"filled_by":"proposer"},{"title":"Recruitment Procedures","fields":[{"help":"","type":"yes-no","label":"When recruiting or promoting employees to positions of trust involving handling of stock, money, financial or treasury functions, do you: (a) obtain written references covering, at least, their previous 3 years employment history? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"(b) undergo a process to ensure their suitability for the position? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""}],"filled_by":"proposer"},{"title":"Stock and Physical Security","fields":[{"help":"","type":"yes-no","label":"Is there controlled access to all locations? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"Are all premises containing stock, money, securities, precious metals, etc. connected to an intruder alarm which is connected to a central station or a police station and are such intruder alarms maintained in proper working order? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"Quarterly stock counts must be independent and reconciled","type":"yes-no","label":"Is an independent physical count of stock, raw materials, work in progress and finished goods undertaken at least quarterly and is this count reconciled against stock records? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"Is the transfer of money and securities valued above $10,000 made by a security or professional cash carrying company? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"Provide maximum values for both time periods","type":"amount","label":"What is the maximum value of money, securities, precious metals and/or Jewellery at any one location: (a) During business hours? (b) Outside business hours?","options":[],"required":true,"pdf_field":""},{"help":"","type":"amount","label":"What is the maximum value of stock, work-in progress and raw materials at any one location?","options":[],"required":true,"pdf_field":""}],"filled_by":"proposer"},{"title":"Third Parties","fields":[{"help":"","type":"yes-no","label":"(b) appointed under written contract? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"Are procedures in place to assess the suitability of trustees, fiduciaries, administrators or officers of all of your Pension Plans? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"(a) Do you outsource any normal administrative function to third party service providers? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"Describe outsourced services and contract values","type":"text","label":"(b) If “yes”, please detail the services and estimated annual contract values","options":[],"required":false,"pdf_field":""},{"help":"","type":"yes-no","label":"Do you audit outsourcing companies during the term of their contract? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"If the outsourcing company operates on your premises, are their employees under your daily management control? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""}],"filled_by":"proposer"},{"title":"Computer Systems / Internet E-Commerce","fields":[{"help":"","type":"yes-no","label":"Are unique passwords used to give various levels of entry to the computer depending on the users job functions? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"Are passwords automatically withdrawn when people leave? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"Are all amendments to programmes approved independently of the persons making the amendments? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"Are programmes protected to detect unauthorised changes? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"Is your computer system protected by virus detection and repair software? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"Select all that apply","type":"choice","label":"Which business activities do you utilise the Internet for? (E-Mail, Advertising, Selling Products, Hosting services for third party, Other)","options":["E-Mail","Advertising","Selling Products","Hosting services for third party","Other"],"required":true,"pdf_field":""},{"help":"","type":"amount","label":"What is the estimated value of e-business revenue in your business?","options":[],"required":true,"pdf_field":""},{"help":"Provide URLs","type":"text","label":"Please list your website addresses","options":[],"required":false,"pdf_field":""}],"filled_by":"proposer"},{"title":"Fund Transfers","fields":[{"help":"Provide approximate annual values","type":"amount","label":"What is the approximate total annual value of fund transfers? (InterGroup Payments, External Payments)","options":[],"required":true,"pdf_field":""},{"help":"Specify security methods like Encryption, Codeword, Callback, etc.","type":"choice","label":"Please specify which methods are utilized to send fund transfer instructions: Written (Secured by), Electronic (Secured by), Telephone, Facsimile, Other","options":["Written","Electronic","Telephone","Facsimile","Other"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"Are all fund transfer instructions subject to a verification and authentication process? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"Can payment instructions only be made to accounts which are pre-determined as an approved beneficiary? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"Is the financial institution required to authenticate the instruction in accordance with a specified mandate before payment is released? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""}],"filled_by":"proposer"},{"title":"Plans and Policies","fields":[{"help":"","type":"yes-no","label":"Do you maintain a written crisis management or contingency plan covering procedures following kidnapping or extortion? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"Do you maintain a written anti–fraud policy which is distributed throughout your organisation? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"Do you have a whistleblowing service accessible to all staff? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"Are special security precautions taken to protect against kidnapping of directors or employees who live in or travel to volatile countries? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""}],"filled_by":"proposer"},{"title":"Optional Extensions to Cover","fields":[{"help":"","type":"yes-no","label":"(b) Criminal damage (excluding fire) caused by any person? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"(c) Contractual penalties incurred as a direct result of insured loss? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"(d) Interest (prior to date of discovery) which would have been receivable or becomes payable as the direct result of insured loss? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""}],"filled_by":"proposer"},{"title":"Loss History","fields":[{"help":"Describe losses in detail","type":"text","label":"Please provide brief details of any losses (of a type covered under this policy) sustained during the past 5 years and before application of any deductible, retention or excess whether insured or not. (Please include date discovered, location, nature of loss and amount)","options":[],"required":true,"pdf_field":""},{"help":"Explain corrective actions","type":"text","label":"Please describe what corrective measures were taken to prevent similar losses","options":[],"required":true,"pdf_field":""},{"help":"","type":"yes-no","label":"Have such corrective measures been implemented across all operations? Yes / No","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"Explain if corrective measures are not implemented everywhere","type":"text","label":"If “No”, please provide details","options":[],"required":false,"pdf_field":""}],"filled_by":"proposer"},{"title":"Other Details","fields":[{"help":"","type":"text","label":"If Non-Indian, please specify country","options":[],"required":false,"pdf_field":""},{"help":"E.g. Salary, Business, Investments, Other","type":"text","label":"Sources of funds","options":[],"required":true,"pdf_field":""},{"help":"","type":"text","label":"Company’s CKYC Identifier / Number (Generated by CERSAI)","options":[],"required":false,"pdf_field":""},{"help":"Permanent Account Number","type":"text","label":"PAN (mandatory)","options":[],"required":true,"pdf_field":""},{"help":"Goods and Services Tax Identification Number","type":"text","label":"GSTIN","options":[],"required":false,"pdf_field":""},{"help":"Details of authorized signatory","type":"text","label":"Please share the below details for the Authorised Signatory: Name, Designation, PAN, CKYC Identifier / Number (Generated by CERSAI)","options":[],"required":true,"pdf_field":""}],"filled_by":"proposer"},{"title":"Electronic Insurance Account Details of Proposer","fields":[{"help":"","type":"checkbox","label":"If Yes, please fill up Insurance Repository Application form","options":[],"required":false,"pdf_field":""},{"help":"Provide EIA number if applicable","type":"text","label":"If Yes, please quote EIA Number","options":[],"required":false,"pdf_field":""},{"help":"","type":"yes-no","label":"If No, do you want Us to create an EIA account for you? Yes / No","options":["Yes","No"],"required":false,"pdf_field":""},{"help":"Email for electronic communication","type":"email","label":"Email id (Registered with Insurance Repository) (mandatory)","options":[],"required":true,"pdf_field":""},{"help":"Address from EIA account will be used","type":"text","label":"Your address details as mentioned in the EIA account shall override the address provided in this application for Insurance","options":[],"required":false,"pdf_field":""}],"filled_by":"proposer"},{"title":"Bank Details and Payment Details","fields":[{"help":"Cheque or Demand Draft number for payment","type":"text","label":"Cheque / D.D #","options":[],"required":false,"pdf_field":""},{"help":"Name on cheque or DD","type":"text","label":"Drawn To","options":[],"required":false,"pdf_field":""},{"help":"Bank details for payment","type":"text","label":"Bank and Branch Name","options":[],"required":false,"pdf_field":""},{"help":"Reference number for card payment","type":"text","label":"For Credit / Debit Card Transaction Reference No.","options":[],"required":false,"pdf_field":""},{"help":"Bank IFSC or MICR code","type":"text","label":"IFSC/MICR Code","options":[],"required":false,"pdf_field":""},{"help":"Amount on cheque or DD","type":"amount","label":"Drawn Amount","options":[],"required":false,"pdf_field":""},{"help":"Date of payment transaction","type":"date","label":"Transaction Date","options":[],"required":false,"pdf_field":""},{"help":"Attach cancelled cheque if applicable","type":"checkbox","label":"Details as per premium cheque to be used for electronic fund transfer; Cancelled cheque submitted of other bank","options":[],"required":false,"pdf_field":""},{"help":"Bank account number for refund/claims","type":"text","label":"Account Number","options":[],"required":false,"pdf_field":""},{"help":"","type":"text","label":"Bank Name","options":[],"required":false,"pdf_field":""},{"help":"","type":"text","label":"Account Holder name","options":[],"required":false,"pdf_field":""}],"filled_by":"proposer"},{"title":"Declarations and Signatures","fields":[{"help":"Sign or affix thumb impression","type":"signature","label":"Signature / Thumb impression of Proposer","options":[],"required":true,"pdf_field":""},{"help":"Intermediary to sign","type":"signature","label":"Signature of Intermediary / Sales person","options":[],"required":true,"pdf_field":""},{"help":"Location of signing","type":"text","label":"Place","options":[],"required":true,"pdf_field":""},{"help":"Date of signing","type":"date","label":"Date","options":[],"required":true,"pdf_field":""},{"help":"Consent for authorized representative to assist","type":"checkbox","label":"Declaration in case the proposer/policyholder is person with disability (PWD)","options":[],"required":false,"pdf_field":""}],"filled_by":"proposer and intermediary"}],"deadlines":[],"applies_to":"Commercial Crime Insurance Plus policy proposals","attachments":["Additional sheets if more space is needed to answer questions","Cancelled cheque for electronic fund transfer (if applicable)","Insurance Repository Application form (if EIA account exists)"],"declarations":["The statements made in this Proposal Form are true, complete and form the basis of the policy issued.","The company’s liability starts only after acceptance of the proposal and receipt of premium.","The policy is voidable if any material information is untrue, incorrect, or withheld.","Consent is given to verify identity/address through official registries for KYC purposes.","All premiums are paid from bonafide sources and not from proceeds of crime.","The proposer confirms understanding of the proposal form and policy terms.","The intermediary confirms having explained the policy features and terms to the proposer.","No rebates or inducements are allowed as per Insurance Act Section 41."],"dropped_labels":10},"pdf_fields":null,"fillable_pdf":false,"send_to":[{"purpose":"customer-care","channel":"email","value":"care@zurichkotak.com","label":"Email Address","level":null,"hours":null,"applies_to":"all","source_url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","quote":"in\nToll Number (INDIA And Overseas)\n+91-22-69417220\nToll Free Number\n1800 2120\nWhatsApp Number\n7998879988\nEmail Address\ncare@zurichkotak.com\nOur WhatsApp number cannot be used for calls. This is chat only number.\nAccessibility\nZoom in page\nZoom out page\nIncrea","fetched_at":"2026-10-20"},{"purpose":"customer-care","channel":"phone","value":"1800 2120","label":"Toll Free Number","level":null,"hours":null,"applies_to":"all","source_url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","quote":"age claims\nCustomer support\nGrievance redressal\nLogin\nToll Number (INDIA And Overseas)\n+91-22-69417220\nToll Free Number\n1800 2120\nWhatsApp Number\n7998879988\nEmail Address\ncare@zurichkotak.com\nOur WhatsApp number cannot be used for calls. This is cha","fetched_at":"2026-10-20"},{"purpose":"customer-care","channel":"phone","value":"+91-22-69417220","label":"Toll Number (INDIA And Overseas)","level":null,"hours":"IST 8 am to 8 pm","applies_to":"all","source_url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","quote":"Download policy\nManage policy\nManage claims\nCustomer support\nGrievance redressal\nLogin\nToll Number (INDIA And Overseas)\n+91-22-69417220\nToll Free Number\n1800 2120\nWhatsApp Number\n7998879988\nEmail Address\ncare@zurichkotak.com\nOur WhatsApp number cannot be","fetched_at":"2026-10-20"},{"purpose":"customer-care","channel":"whatsapp","value":"7998879988","label":"WhatsApp Number","level":null,"hours":null,"applies_to":"all","source_url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","quote":"t\nGrievance redressal\nLogin\nToll Number (INDIA And Overseas)\n+91-22-69417220\nToll Free Number\n1800 2120\nWhatsApp Number\n7998879988\nEmail Address\ncare@zurichkotak.com\nOur WhatsApp number cannot be used for calls. This is chat only number.\nAccessibilit","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"email","value":"grievanceofficer@zurichkotak.com","label":"Grievance Officer","level":1,"hours":null,"applies_to":"all","source_url":"https://cms.zurichkotak.com/uploads/Policy_Wordings_CPI_dc7b416cf1.pdf","quote":"om .\nIn case the I nsured is not satisfied with the response, I nsured may contact the Grievance Officer of the ZKGI at grievanceofficer@zurichkotak.com . In case if the I nsured is not satisfied with the solution the\nGrievance Officer has provided, | I nsured | can write","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"Unit no. 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway, Goregaon (East) Mumbai- 400063. Maharashtra, India.","label":"Registered & Corporate Office","level":null,"hours":null,"applies_to":"all","source_url":"https://www.zurichkotak.com/","quote":"ker\nHealth portability\nResearch & Reports\nCorrespondence Address\nZurich Kotak General Insurance Company (India) Limited\nUnit no. 401, 4th Floor, Silver Metropolis,\nJai Coach Compound, Off Western Express Highway,\nGoregaon (East) Mumbai- 400063. Maharashtra, India.\nConnect with us\n: 022 - 69417220 (Toll number)\n: 1800 2120 (Toll free)\n+91-22-69417220 (IST 8 am to 8 pm)\nwww.zurichkot","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"email","value":"care@zurichkotak.com","label":"Customer Care Email","level":null,"hours":null,"applies_to":"all","source_url":"https://cms.zurichkotak.com/uploads/Policy_Wordings_CPI_dc7b416cf1.pdf","quote":"may contact the respective branch office of the ZKGI or may call toll free number 1800 2120 or may write an e - mail at care@zurichkotak.com .\nIn case the I nsured is not satisfied with the response, I nsured may contact the Grievance Officer of the ZKGI at gr","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"url","value":"www.zurichkotak.com","label":"Grievance Redressal Process","level":null,"hours":null,"applies_to":"all","source_url":"https://cms.zurichkotak.com/uploads/Policy_Wordings_CPI_dc7b416cf1.pdf","quote":"nder.\nThe details of the Insurance Ombudsman/ complete Grievance Redressal Process is also available at ZKGI’s website: www.zurichkotak.com\nThe updated details of Insurance Ombudsman offices are also available on the website of | Council for\nInsurance Ombudsm","fetched_at":"2026-10-20"}],"how_to_use":"Ask the user for each field in order, in plain words; never invent an answer. Labels are as printed. If fillable_pdf is true, pdf_fields gives the PDF's own field names so the file can be filled directly. The printed form decides if anything differs.","url":"https://indiainsurances.com/forms/zurich-kotak-general-insurance/5601-commercial-crime-insurance-plus-proposal-form"}