{"uin":"IRDAN113CP0008V02201213","name":"Bajaj General Protect Public Offering of Securities Insurance Policy I","url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-protect-public-offering-of-securities-insurance-policy-i-irdan113cp0008v02201213","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a claims-made public offering of securities liability policy covering Public Offering Claims and Public Offering Inquiries first made and reported during the Policy Period. It applies anywhere in the world and has NIL retention for Insuring Clause 1.1, with other retentions shown in the schedule.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:51:07.624741+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":"No named plan variants are stated in the wording.","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":"The specimen schedule does not print a fixed policy duration.","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":"Written notice of a Public Offering Claim or Public Offering Inquiry must be given as soon as practicable and during the Policy Period.","display":"As soon as practicable and during the Policy Period","note":null,"quote":"It is a condition precedent to the Insurer's liability for Loss under this Policy that the Insured gives written notice to the Insurer of a Public Offering Claim or Public Offering Inquiry as soon as practicable and during the Policy Period.","sources":[{"clause":"6.1","heading":"Notification","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-protect-public-offering-of-securities-insurance-policy-i-irdan113cp0008v02201213/document/3231#c-6-1"}],"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":["full particulars","full details of such Public Offering Claim or Public Offering Inquiry","the parties involved","copies of any documents commencing proceedings","any written notice of any official investigation, Public Offering Inquiry or investigation","all facts and details including the reasons for anticipating a Public Offering Claim or Public Offering Inquiry with full particulars as to dates and persons involved and an estimate of quantum"],"display":"Full particulars, details of the claim or inquiry, parties involved, proceeding documents, investigation notices, and for circumstances the facts, dates, persons involved and estimate of quantum","note":null,"quote":"Notice of any such Public Offering Claim or Public Offering Inquiry must include full particulars, including but not limited to: (i) full details of such Public Offering Claim or Public Offering Inquiry; (ii) the parties involved; and (iii) copies of any documents commencing proceedings, any written notice of any official investigation, Public Offering Inquiry or investigation. ... A notice of such circumstance must describe as precisely as possible all facts and details including the reasons for anticipating a Public Offering Claim or Public Offering Inquiry with full particulars as to dates and persons involved and an estimate of quantum.","sources":[{"clause":"6.1","heading":"Notification","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-protect-public-offering-of-securities-insurance-policy-i-irdan113cp0008v02201213/document/3231#c-6-1"}],"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":null,"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":["committing any dishonest or fraudulent act","gaining any profit or advantage to which the Insured or Offering Underwriter was not legally entitled","notification, in whole or part, under any policy affording directors and officers liability, management liability or public offering liability cover","Public Offering Claim, Wrongful Act, , litigation, proceeding or Public Offering Inquiry which, in whole or part, existed or was pending at the Continuity Date","knowledge of any fact or circumstance by the Insured prior to the Continuity Date","made or commenced in the United States of America or its territories by or on behalf of or at the instigation of an Insured","actual or alleged violation of the responsibilities, obligations or duties imposed by the Employee Retirement Income Security Act of 1974 (USA) or the Pensions Act 1995 (UK)"],"display":"Dishonest or fraudulent acts, improper profit or advantage, known prior matters and notifications, Insured versus Insured in the USA, and trustees-related ERISA/Pensions Act violations","note":"Dishonest or improper conduct exclusions apply only where the conduct is established by written admission, court judgment or other final adjudication; the USA insured-versus-insured exclusion is subject to stated exceptions.","quote":"The Insurer shall not be liable to make any payment for Loss in connection with any Public Offering Claim or Public Offering Inquiry: ... committing any dishonest or fraudulent act; or\nii) gaining any profit or advantage to which the Insured or Offering Underwriter was not legally entitled. Each of the clauses in this Exclusion will only apply where the conduct in question has been established by written admission, court judgment or other final adjudication. ... notification, in whole or part, under any policy affording directors and officers liability, management liability or public offering liability cover ... Public Offering Claim, Wrongful Act, , litigation, proceeding or Public Offering Inquiry which, in whole or part, existed or was pending at the Continuity Date stated in Item 5 of the Schedule ... knowledge of any fact or circumstance by the Insured prior to the Continuity Date stated in Item 5 of the Schedule that might give rise to a Public Offering Claim or a Public Offering Inquiry ... which is made or commenced in the United States of America or its territories by or on behalf of or at the instigation of an Insured . However, this Exclusion shall not apply to: ... arising from or attributable to any actual or alleged violation of the responsibilities, obligations or duties imposed by the Employee Retirement Income Security Act of 1974 (USA) or the Pensions Act 1995 (UK)","sources":[{"clause":"Section 4","heading":"Exclusions","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-protect-public-offering-of-securities-insurance-policy-i-irdan113cp0008v02201213/document/3231#c-section-4"},{"clause":"4.1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-protect-public-offering-of-securities-insurance-policy-i-irdan113cp0008v02201213/document/3231#c-4-1"},{"clause":"4.2(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-protect-public-offering-of-securities-insurance-policy-i-irdan113cp0008v02201213/document/3231#c-4-2-i"},{"clause":"4.2(ii)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-protect-public-offering-of-securities-insurance-policy-i-irdan113cp0008v02201213/document/3231#c-4-2-ii"},{"clause":"4.2(iii)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-protect-public-offering-of-securities-insurance-policy-i-irdan113cp0008v02201213/document/3231#c-4-2-iii"},{"clause":"4.3","heading":"Insured versus Insured – USA only","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-protect-public-offering-of-securities-insurance-policy-i-irdan113cp0008v02201213/document/3231#c-4-3"},{"clause":"4.4","heading":"Trustees","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-protect-public-offering-of-securities-insurance-policy-i-irdan113cp0008v02201213/document/3231#c-4-4"}],"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":"First contact the Customer Experience Team through the website, toll-free number 1800 209 5858, email bagichelp@bajajgeneral.com or by writing to Bajaj General. If not satisfied, write to the Grievance Redressal Officer Mr. Jerome Vincent at ggro@bajajgeneral.com.","display":"First Customer Experience Team; then Grievance Redressal Officer Mr. Jerome Vincent at ggro@bajajgeneral.com","note":null,"quote":"Level 1 In case you have any concern, you may please reach out to our Customer Experience Team through any of the following options:\n• Our Website @ https://general.bajajgeneralinsurance.com/Corp/aboutus/general-insurance-customer-service.jsp\n• Call us on our Toll free no 1800 209 5858\n• Mail us on bagichelp@bajajgeneral.com\n• Write to BAJAJ GENERAL INSURANCE LIMITED. Bajaj Insurance House, Airport Road, Yerwada Pune- 411006 Level 2 In case you are not satisfied with the response given to you by our team, you may write to our Grievance Redressal Officer Mr. Jerome Vincent at ggro@bajajgeneral.com","sources":[{"clause":"7.11","heading":"Entire Agreement","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-protect-public-offering-of-securities-insurance-policy-i-irdan113cp0008v02201213/document/3231#c-7-11"}],"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":"quote-verified","value":["Public Offering Claims","Public Offering Inquiries"],"display":"Public Offering Claims and/or Public Offering Inquiries first made against the Insured and reported during the Policy Period","note":"Claims-made cover; the claim or inquiry must be first made against the Insured and reported to the Insurer in the Policy Period.","quote":"This is a “claims made policy”. Except as otherwise provided herein, this Policy covers only Public Offering Claims and / or Public Offering Inquiries first made against the Insured and reported to the Insurer in the Policy Period.","sources":[{"clause":null,"heading":"Bajaj General Protect – Public Offering of Securities Insurance","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-protect-public-offering-of-securities-insurance-policy-i-irdan113cp0008v02201213/document/3231#c-bajaj-general-protect-public-offering-of-securit"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"The Limit of Liability is payable in excess of the applicable Retention. The schedule states NIL for Insuring Clause 1.1; other retentions are shown in the schedule for each Public Offering Claim but the specimen does not print the amounts.","display":"NIL for Insuring Clause 1.1; other retentions as shown in the Schedule for each Public Offering Claim","note":"The specimen schedule leaves the actual amounts blank for Insuring Clauses 1.2 to 1.6.","quote":"Item 4: | Retention\n(i) NIL | Insuring Clause 1.1: Directors & Officers (ii)\nInsuring Clause 1.2: Issuer Reimbursement:\n(a) Public Offering Claim anywhere in the world outside the United States for each Public Offering Claim. of America or Canada or their territories.\n(b) Public Offering Claim brought or maintained in the jurisdiction of the for each Public Offering Claim. United States of America or Canada or their territories.\n(iii) Insuring Clause 1.3, 1.4, 1.5 and 1.6 Public Offering Claims. ... The Limit of Liability is payable in excess of any applicable Retention. The Retentions applicable are inclusive of all Loss. The applicable Retention is shown in the Schedule:","sources":[{"clause":null,"heading":"Bajaj General Protect – Public Offering of Securities Insurance","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-protect-public-offering-of-securities-insurance-policy-i-irdan113cp0008v02201213/document/3231#c-bajaj-general-protect-public-offering-of-securit"},{"clause":"5.3","heading":"Retention and Retention Return","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-protect-public-offering-of-securities-insurance-policy-i-irdan113cp0008v02201213/document/3231#c-5-3"}],"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":"Under normal circumstances, the policy will not be cancelled except for mis-representation, fraud, non-disclosure of material facts or non-cooperation. The premium is fully earned at inception; if the Policyholder cancels the Offering, the insurer returns the premium but may retain the full premium for notified claims or circumstances, or the agreed amount in Item 15.","display":"Premium fully earned at inception; if the Offering is cancelled, premium is returned subject to full retention for notified claims/circumstances or the Item 15 agreed retention","note":null,"quote":"Under normal circumstances, Policy will not be cancelled except for reasons of mis-representation, fraud, non- disclosure of material facts or non-cooperation. The premium for the Policy Period is fully earned at inception of the Policy. In the event that the Policyholder cancels the Offering, then the Policyholder may terminate this Policy. The Insurer shall return the premium paid, however the Insurer shall be entitled to retain the full premium in case of notified claims or notified circumstances or, in any other case, the amount as agreed by the Policyholder and the Insurer and specified in the Item 15 of the Schedule.","sources":[{"clause":"7.5(ii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-protect-public-offering-of-securities-insurance-policy-i-irdan113cp0008v02201213/document/3231#c-7-5-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":"This policy applies to Wrongful Acts committed and Public Offering Claims made and Public Offering Inquiries conducted anywhere in the world.","display":"Anywhere in the world","note":null,"quote":"This Policy applies to Wrongful Acts committed and Public Offering Claims made and Public Offering Inquiries conducted, anywhere in the world.","sources":[{"clause":"7.1","heading":"Territoriality","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-protect-public-offering-of-securities-insurance-policy-i-irdan113cp0008v02201213/document/3231#c-7-1"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"This is a claims-made public offering of securities insurance policy covering Public Offering Claims and/or Public Offering Inquiries first made against the Insured and reported during the Policy Period.","display":"Claims-made cover for Public Offering Claims and/or Public Offering Inquiries","note":null,"quote":"This is a “claims made policy”. Except as otherwise provided herein, this Policy covers only Public Offering Claims and / or Public Offering Inquiries first made against the Insured and reported to the Insurer in the Policy Period.","sources":[{"clause":null,"heading":"Bajaj General Protect – Public Offering of Securities Insurance","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-protect-public-offering-of-securities-insurance-policy-i-irdan113cp0008v02201213/document/3231#c-bajaj-general-protect-public-offering-of-securit"}],"law":[]}],"documents":[{"kind":"wording","label":"Bajaj General Protect Public Offering of Securities Insurance Policy I Policy Wordings","pages":13,"fetched_at":"2026-10-17 19:44:29+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/commercial-insurance/commercial-general/POSI-wordings.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-protect-public-offering-of-securities-insurance-policy-i-irdan113cp0008v02201213/document/3231"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Bajaj General Insurance official website","url":"https://www.bajajgeneralinsurance.com/","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.bajajgeneralinsurance.com/general-insurance-claims.html","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":"Online grievance form","url":"https://www.bajajgeneralinsurance.com/forms/form-online-grievance.html","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."}],"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":"Bajaj General Protect Public Offering of Securities Insurance Policy I (UIN IRDAN113CP0008V02201213), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/bajaj-general-protect-public-offering-of-securities-insurance-policy-i-irdan113cp0008v02201213"}