{"uin":"IRDAN106CP0005V01202122","name":"Industry Protector Insurance Policy","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/industry-protector-insurance-policy-irdan106cp0005v01202122","insurer":{"slug":"iffco-tokio-general-insurance","name":"IFFCO TOKIO General Insurance Company Limited","url":"https://indiainsurances.com/insurer/iffco-tokio-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2021-04-27","withdrawn_on":null,"summary":"Industry Protector Insurance Policy is a business package policy for an organization’s selected operative sections, covering industrial property and related risks such as fire and allied perils, burglary, machinery breakdown, electronic equipment, money, fidelity, personal accident, business interruption and liability. The geographical limit is India except portable computers and mobile equipments and personal accident, which are worldwide, and cancellation refunds use a short-period scale if no claim has been preferred.","analysis":{"state":"machine","analysed_at":"2026-10-20 01:59:36.889173+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe operative sections and covers, not named plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"Policy Period is defined by the effective date/hour and expiry date shown in the Schedule; no fixed policy term is printed.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"An event that might become a claim must be reported as soon as possible. The written statement of claim and supporting documentation must be delivered within 15 days of damage; personal accident injury or death claims require immediate written notice within 14 days.","display":"Report as soon as possible; written claim statement within 15 days of Damage; Personal Accident notice within 14 days of injury/death","note":null,"quote":"An event, which might become a claim under the Policy , must be reported to Us as soon as possible. ... This written statement of claim along with supporting documentation (estimates, vouchers, invoices, proof, investigation reports and\nlike) prepared at Your expense along with particulars of other insurances covering the same risks must be delivered to Us within 15 days of date of Damage. ... In the event of a claim under Personal Accident Section, You or Your personal representative must give immediate written notice within 14(fourteen) days of occurrence of injury / death.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/industry-protector-insurance-policy-irdan106cp0005v01202122/document/8831#c-general-conditions"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["written statement of the claim","Claim Form","supporting documentation (estimates, vouchers, invoices, proof, investigation reports and like)","particulars of other insurances covering the same risks","every letter, claim, writ, summon, process information or any notice of claim","certificates, information and evidences from a medical attendant or otherwise"],"display":"Written claim statement, claim form, supporting documents, other-insurance particulars, liability notices/processes, and medical certificates/evidence for Personal Accident claims","note":null,"quote":"A written statement of the claim will be required and a Claim Form will be provided. This written statement of claim along with supporting documentation (estimates, vouchers, invoices, proof, investigation reports and\nlike) prepared at Your expense along with particulars of other insurances covering the same risks must be delivered to Us within 15 days of date of Damage. ... every letter, claim, writ, summon, process information or any notice of claim shall be forwarded to Us without delay. ... All certificates, information and evidences from a medical attendant or otherwise required by Us shall be furnished by You or Your personal representative/assignee in the manner and form as We may prescribe.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":3,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/industry-protector-insurance-policy-irdan106cp0005v01202122/document/8831#c-general-conditions"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The documents state claim procedures and bases of settlement, but do not print a time promised for deciding or paying claims.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["War Risk Damage as a consequence of war, invasion, act of foreign enemy, hostilities","Confiscation Any Damage due to confiscation, commandeering, requisition or destruction by order of any Government or lawfully constituted authority","Nuclear Risk Any Damage to property, consequential loss, legal liability or bodily injury, illness, disease","Depreciation and Damage caused by wear and tear or gradual deterioration","Consequential loss of any kind or description","Any damage, injury, accident, disease or illness occurring before cover commences","The cost of repair or replacement of any undamaged or unbroken items or part of item forming part of a set","Any Damage due to an act of Terrorism under all Sections except for Section 1 (Fire and Allied Perils), Section 4 (Electronic Equipment) and Section 9 (Business Interruption)"],"display":"War risk; confiscation; nuclear risk; wear and tear; consequential loss except Business Interruption; existing damage; matching of items; terrorism unless covered as specified","note":"Terrorism is covered only if opted and paid for where the policy permits it.","quote":"1. War Risk Damage as a consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or\nnot) civil war, rebellion, revolution, insurrection, military or usurped power, confiscation, nationalisation, civil commotion loot or pillage in connection therewith.\n2. Confiscation Any Damage due to confiscation, commandeering, requisition or destruction by order of any Government or lawfully constituted authority.\n3. Nuclear Risk Any Damage to property, consequential loss, legal liability or bodily injury, illness, disease directly or indirectly caused by or contributed to or arising from. ... 4. Wear and Tear:\nDepreciation and Damage caused by wear and tear or gradual deterioration.\n5. Consequential Loss:\nConsequential loss of any kind or description. However this Exclusion will not apply to Section 9 (Business Interruption).\n6. Existing Damage:\nAny damage, injury, accident, disease or illness occurring before cover commences.\n7. Matching of Items:\nThe cost of repair or replacement of any undamaged or unbroken items or part of item forming part of a set, suit or other articles of uniform nature, colour or design (including area of carpet) when damage or breakage occurs within a clearly identifiable area or to a specific part and replacement cannot be matched.\n8. Terrorism Any Damage due to an act of Terrorism under all Sections except for Section 1 (Fire and Allied Perils), Section 4 (Electronic Equipment) and Section 9 (Business Interruption), where Damage due to an act of Terrorism is covered only if You have opted for the same on payment of additional premium.","sources":[{"clause":null,"heading":"GENERAL EXCLUSIONS","page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/industry-protector-insurance-policy-irdan106cp0005v01202122/document/8831#c-general-exclusions"},{"clause":"23(II)(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/industry-protector-insurance-policy-irdan106cp0005v01202122/document/8831#c-23-ii-b-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a grievance relating to the policy or claim decision, the route stated is to pursue it first with the insurer's Grievance Redressal Officer, then IRDAI's Consumer Affairs Department through IGMS, the Insurance Ombudsman, or the Consumer Protection Forum or Court.","display":"First: Our Grievance Redressal Officer; then IRDAI IGMS, Insurance Ombudsman, or Consumer Protection Forum/Court","note":"From the prospectus; the policy wording provided does not print a grievance route.","quote":"If You have any grievance about any matter relating to the policy, or Our decision on any matter, or Our decision about Your claim, You can pursue Your grievance with\n1. Our Grievance Redressal Officer,\n2. The Consumer Affairs Department of Insurance Regulatory and Development Authority of India (IRDAI) – You can lodge Your grievance in the Integrated Grievance Management System (IGMS).\n3. The Insurance Ombudsman, depending on the nature of grievance and the financial implications, if any.\n4. The Consumer Protection Forum or the Court.","sources":[{"clause":null,"heading":"Grievances","page":17,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/industry-protector-insurance-policy-irdan106cp0005v01202122/document/8750#c-grievances"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"The excess varies by section. Fire and Allied Perils has 5% of each claim subject to minimum Rs.10,000 for Act of God perils and Rs. 10,000 for other perils; Portable Computer and Mobile Equipments has 10% of the claim amount subject to minimum Rs.2,500; Public Liability has 0.50% of limit of liability subject to minimum Rs.2,000. Machinery breakdown and electronic equipment have separate equipment/value-specific excess tables.","display":"Varies by section: Fire allied 5% min Rs.10,000 for Act of God perils or Rs. 10,000 for other perils; Portable equipment 10% min Rs.2,500; Public liability 0.50% min Rs.2,000","note":"Section 3A machinery breakdown and Section 4 electronic equipment use detailed excess tables based on the equipment and value.","quote":"It means the first part of any claim for which You are responsible. Sum Insured/Limit will apply after the Excess has been deducted. ... I. a) An Excess of 5% of each claim subject to a minimum of Rs.10,000/- (Rupees ten thousand) in respect of each and every loss arising out of “Act of God” perils such as lightning, storm, tempest, flood, inundation, subsidence, landslide and rockslide, earthquake fire and/or shock covered under this Section of the Policy.\nb) An Excess of Rs. 10,000/- (Rupees ten thousand) for each and every Damage arising out of other perils in respect of which You are indemnified by this Section of the Policy . ... An Excess for each and every Damage as per Schedule given below for each equipment covered under this Section of the Policy: ... a) In respect of Personal Computers, 5%(five percent) of the claim amount subject to a minimum of Rs.2,500/- (Rupees two thousand five hundred ). ... An Excess of 10% (ten percent) of the claim amount subject to a minimum Rs.2,500/- (Rupees two thousand five hundred).This replaces Exclusion (1) of Section 4. ... 1. 0.50% (half per cent) of limit of liability subject to a minimum of Rs.2,000/- (Rupees two thousand) for any one accident.","sources":[{"clause":"13","heading":"Excess","page":2,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/industry-protector-insurance-policy-irdan106cp0005v01202122/document/8831#c-13"},{"clause":null,"heading":"EXCLUSIONS","page":8,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/industry-protector-insurance-policy-irdan106cp0005v01202122/document/8831#c-exclusions"},{"clause":"1","heading":null,"page":17,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/industry-protector-insurance-policy-irdan106cp0005v01202122/document/8831#c-1-4"},{"clause":"4(a)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/industry-protector-insurance-policy-irdan106cp0005v01202122/document/8831#c-4-a"},{"clause":"1","heading":null,"page":25,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/industry-protector-insurance-policy-irdan106cp0005v01202122/document/8831#c-1-7"},{"clause":null,"heading":"Exclusions","page":37,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/industry-protector-insurance-policy-irdan106cp0005v01202122/document/8831#c-exclusions-9"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You may cancel by written notice. The insurer refunds premium after retaining the short-period premium scale, and refund is subject to no claim having been preferred under the policy.","display":"Refund after retaining short-period premium: 15 days 10%, 1 months 15%, 2 months 30%, 3 months 40%, 4 months 50%, 5 months 60%, 6 months 70%, 7 months 75%, 8 months 80%, 9 months 85%, exceeding 9 months 100%; only if no claim","note":null,"quote":"You may cancel this Policy by sending written Notice to Us. We will then allow a refund after retaining the premium based on the following Short Period scale.\nShort Period.\n15 days | 10%\n1 months | 15%\n2 months | 30%\n3 months | 40%\n4 months | 50%\n5 months | 60%\n6 months | 70%\n7 months | 75%\n8 months | 80%\n9 months | 85%\nExceeding 9 months | 100%\nThe refund of premium is subject to the condition that no claim has been preferred on Us under the Policy.","sources":[{"clause":"23(II)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/industry-protector-insurance-policy-irdan106cp0005v01202122/document/8831#c-23-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The geographical limit is India, except Section 5 Portable Computers and Mobile Equipments and Section 8 Personal Accident where it is worldwide. All claims are settled in India in Indian Rupees.","display":"India, except Section 5 and Section 8 worldwide; claims settled in India in Indian Rupees","note":null,"quote":"The Geographical Limit of this Policy will be India except for Section 5 (Portable Computers and Mobile Equipments) and Section 8 (Personal Accident) where Geographical Limit will be worldwide. However all claims shall be settled in India in Indian Rupees.","sources":[{"clause":"23(II)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/industry-protector-insurance-policy-irdan106cp0005v01202122/document/8831#c-23-ii"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy insures the organization named as insured in the Schedule for its interest under the sections specified as operative in the Schedule. It covers events occurring during the Policy Period in the manner and to the extent set out in the policy.","display":"The insured organization’s interest under the Sections specified as operative in the Schedule","note":null,"quote":"This Policy witnesses that in consideration of Your having paid the premium, We will insure Your interest under the Sections specified as operative in the Schedule and accordingly We will indemnify You in respect of events occurring during the Policy Period in the manner and to the extent set forth in the Policy ... It means the organization named as Insured in the Schedule.","sources":[{"clause":null,"heading":"I NDUSTRY PROTECTOR I NSURANCE POLI CY","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/industry-protector-insurance-policy-irdan106cp0005v01202122/document/8831#c-i-ndustry-protector-i-nsurance-poli-cy"},{"clause":"7","heading":"You/Your","page":1,"url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/industry-protector-insurance-policy-irdan106cp0005v01202122/document/8831#c-7"}],"law":[]}],"documents":[{"kind":"wording","label":"Industry Protector Insurance Policy","pages":38,"fetched_at":"2026-10-17 19:49:42+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/policy-wordings/other-insurance/industry-protector-policy-policy-wording-smm.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/industry-protector-insurance-policy-irdan106cp0005v01202122/document/8831"},{"kind":"wording","label":"Industry Protector insurance Policy (IRDAI copy)","pages":48,"fetched_at":"2026-10-20 00:23:29+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN106CP0006V02200304_GEN4434.pdf/e7f2c82b-e3a1-331d-eca5-f4bead4485d0?version=1.1&t=1668913194775&download=true","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/industry-protector-insurance-policy-irdan106cp0005v01202122/document/23316"},{"kind":"prospectus","label":"Industry Protector Insurance Policy","pages":42,"fetched_at":"2026-10-17 19:48:04+00","source_url":"https://www.iffcotokio.co.in/content/dam/iffcotokio/prospectus/other-insurance/industry-protector-insurance-policy.pdf","url":"https://indiainsurances.com/policy/iffco-tokio-general-insurance/industry-protector-insurance-policy-irdan106cp0005v01202122/document/8750"}],"versions":[{"uin":"IRDAN106CP0006V02200304","version":null,"approved_on":null},{"uin":"IRDAN106CP0005V01202122","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IFFCO TOKIO General Insurance official website","url":"https://www.iffcotokio.co.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.iffcotokio.co.in/claims","note":null},{"purpose":"claim","kind":"insurer","name":"Register a claim","url":"https://www.iffcotokio.co.in/claims/register-a-claim","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.iffcotokio.co.in/contact-us/customer-services/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew policy","url":"https://www.iffcotokio.co.in/renew-policy","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Industry Protector Insurance Policy (UIN IRDAN106CP0005V01202122), IndiaInsurances, https://indiainsurances.com/policy/iffco-tokio-general-insurance/industry-protector-insurance-policy-irdan106cp0005v01202122"}