{"uin":"IRDAN144CP0233V01202223","name":"Tech Suraksha","url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223","insurer":{"slug":"sbi-general-insurance","name":"SBI General Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-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":"Tech Suraksha covers legal liability for financial injury arising from failure of information and network technology products or services and related wrongful acts. The policy includes defence cost, supplementary payments, and extensions such as defamation, intellectual property rights, loss of documents, dishonesty of employees and vicarious liability.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:44:34.992929+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 printed in the provided policy wording or prospectus.","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 wording defines policy period by effective date and expiry date shown in the Policy Schedule, but 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":"Written notice must be given as soon as reasonably practicable, but not later than expiry of the Policy or applicable extended reporting period. Every claim, writ, summons or process and all documents relating to the event must be forwarded immediately when received.","display":"As soon as reasonably practicable, but not later than expiry of the Policy or applicable extended reporting period; claim papers immediately on receipt.","note":null,"quote":"The Insured shall give written notice to the Company as soon as reasonably practicable, but not later than the expiry of Policy or applicable extended reporting period, of any Claim made against the Insured (or any specific event or circumstance that may give rise to a Claim being made against the Insured) and which forms the subject of Liability under this Policy and shall give all such additional information as the Company may require. Every Claim, writ, summons or process and all documents relating to the event shall be forwarded to the Company immediately they are received by the Insured.","sources":[{"clause":"Section 14","heading":"General Conditions","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-section-14"}],"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":["Every Claim","writ","summons","process","all documents relating to the event","all such additional information as the Company may require"],"display":"Every Claim, writ, summons or process, all documents relating to the event, and additional information required by the Company.","note":null,"quote":"shall give all such additional information as the Company may require. Every Claim, writ, summons or process and all documents relating to the event shall be forwarded to the Company immediately they are received by the Insured.","sources":[{"clause":"Section 14","heading":"General Conditions","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-section-14"}],"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 describe claims service generally, but do not print a claim decision or payment timeline counted from intimation or receipt of documents.","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":["Financial Injury arising out of or giving rise to or in any way related to any actual or alleged monopolisation, price discrimination, price-fixing, predatory pricing, trade conduct or violation of any law, regulation or statute","loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of Insured’s Information and Network Technology Product","Financial Injury arising out of or connected directly or indirectly with any aircraft product or any missile or spacecraft or aerial devise","claims in respect of Loss or Losses, directly or indirectly (exclusively or partially) caused by or resulting from or in consequence of or contributed to by or arising out of or resulting from the existence, production, processing, manufacture, sale, distribution, storage, deposit or use of or in any way involving Asbestos","financial injury arising out of, based upon or attributable to Bodily Injury and/or Property Damage","Financial Injury for liability arising out of or connected with liability assumed by the Insured under any agreement or contract","infringement of or misappropriation of Patents or Trade Secrets","Financial Injury arising out of or caused by the dishonest, deliberate, conscious, criminal, fraudulent or intentional or malicious conduct","liability arising out of, based upon or attributable to any actual or alleged employment related: practices, harassment or discrimination","liability arising out of or connected directly or indirectly with Financial Injury intended by the Insured","liability arising out of or connected directly or indirectly with fines, penalties, punitive, aggravated, liquidated or exemplary damages","Financial Injury arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of Pollutants","liability arising out of or due to any Wrongful Act, or any event or any occurrence prior to the retroactive date","liability arising out of or connected directly or indirectly with or occasioned by, happening through or in consequence of war, warlike action by military, invasion, act of foreign enemy","Financial Injury arising out of or connected directly or indirectly with any actual, alleged or threatened security breach of, unauthorised access to or unauthorised use of"],"display":"Main exclusions include antitrust/restraint of trade, recall/replacement expenses, aircraft products, asbestos, bodily injury/property damage, contractual liability, patents and trade secrets, deliberate acts, employment practices, intended financial injury, fines and penalties, pollution, prior acts, war/terrorism, and unauthorised access or security breach.","note":null,"quote":"This insurance does not apply to Financial Injury arising out of or giving rise to or in any way related to any actual or alleged monopolisation, price discrimination, price-fixing, predatory pricing, trade conduct or violation of any law, regulation or statute ... This insurance does not apply to any damages, Loss, cost or expense incurred by any Insured or others for any loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of: ... i) Insured’s Information and Network Technology Product; ... This insurance does not apply to any Financial Injury arising out of or connected directly or indirectly with any aircraft product or any missile or spacecraft or aerial devise ... claims in respect of Loss or Losses, directly or indirectly (exclusively or partially) caused by or resulting from or in consequence of or contributed to by or arising out of or resulting from the existence, production, processing, manufacture, sale, distribution, storage, deposit or use of or in any way involving Asbestos ... This insurance does not apply to any financial injury arising out of, based upon or attributable to Bodily Injury and/or Property Damage ... This insurance does not apply to any Financial Injury for liability arising out of or connected with liability assumed by the Insured under any agreement or contract ... Arising out of, based upon or attributable to the infringement of or misappropriation of Patents or Trade Secrets; ... This insurance does not apply to any Financial Injury arising out of or caused by the dishonest, deliberate, conscious, criminal, fraudulent or intentional or malicious conduct ... This insurance does not apply to any liability arising out of, based upon or attributable to any:\ni. actual or alleged employment related: practices, harassment or discrimination; ... This insurance does not apply to any liability arising out of or connected directly or indirectly with Financial Injury intended by the Insured ... This insurance does not apply to any liability arising out of or connected directly or indirectly with fines, penalties, punitive, aggravated, liquidated or exemplary damages ... This insurance does not apply to any Financial Injury arising out of\ni. the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of Pollutants ... This insurance does not apply to any liability arising out of or due to any Wrongful Act, or any event or any occurrence prior to the retroactive date ... This insurance does not apply to any liability arising out of or connected directly or indirectly with or occasioned by, happening through or in consequence of\ni. war, warlike action by military, invasion, act of foreign enemy ... This insurance does not apply to any actual or alleged Financial Injury arising out of or connected directly or indirectly with any actual, alleged or threatened security breach of, unauthorised access to or unauthorised use of:","sources":[{"clause":"Section 13","heading":"EXCLUSIONS 13.1 Antitrust and Restraint of Trade","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-section-13"},{"clause":null,"heading":"13.2 Adjustment, Inspection, Recall or Replacement Expenses","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-13-2-adjustment-inspection-recall-or-replacement"},{"clause":"Section 13(i)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-section-13-i"},{"clause":null,"heading":"13.3 Aircraft Products","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-13-3-aircraft-products"},{"clause":"Section 13(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-section-13-a"},{"clause":null,"heading":"13.5 Bodily Injury And/ or Property Damage","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-13-5-bodily-injury-and-or-property-damage"},{"clause":null,"heading":"13.6 Contractual Liability","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-13-6-contractual-liability"},{"clause":null,"heading":"13.8 Patents and Trade Secret","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-13-8-patents-and-trade-secret"},{"clause":null,"heading":"13.9 Deliberate, Conscious and Intentional Acts","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-13-9-deliberate-conscious-and-intentional-acts"},{"clause":null,"heading":"13.10 Employment Practices","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-13-10-employment-practices"},{"clause":null,"heading":"13.12 Expected or Intended Financial Injury","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-13-12-expected-or-intended-financial-injury"},{"clause":null,"heading":"13.14 Fines, Penalty and Punitive Damages","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-13-14-fines-penalty-and-punitive-damages"},{"clause":null,"heading":"13.17 Seepage, Pollution and Contamination","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-13-17-seepage-pollution-and-contamination"},{"clause":null,"heading":"13.18 Prior Acts","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-13-18-prior-acts"},{"clause":null,"heading":"13.21 War and Terrorism, Invasion and Act of Foreign Enemy","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-13-21-war-and-terrorism-invasion-and-act-of-fore"},{"clause":null,"heading":"13.24 Unauthorised Access or Security Breach","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-13-24-unauthorised-access-or-security-breach"}],"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, write to the insurer at head.customercare@sbigeneral.in or gro@sbigeneral.in or call 1800 102 1111; the final response is to be conveyed within 14 days from receipt of the complaint. If unsatisfied, the matter may be escalated to the Insurance Ombudsman.","display":"Write to head.customercare@sbigeneral.in or gro@sbigeneral.in, or call 1800 102 1111; final response within 14 days, then Insurance Ombudsman if unsatisfied.","note":null,"quote":"If you wish to register your grievances directly with us, you may write to us at head.customercare@sbigeneral.in or gro@sbigeneral.in or call our toll free number- 1800 102 1111. After examining the matter, final response would be conveyed within a period of 14 days from the date of receipt of your complaint. ... If you feel that the response to your Grievance was unsatisfactory, or if you believe your concerns have not been adequately addressed by thecompany, you may escalate the matter to the Insurance Ombudsman.","sources":[{"clause":"Section 15(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-section-15-i"},{"clause":null,"heading":"Stage 2: Escalation to Insurance Ombudsman","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-stage-2-escalation-to-insurance-ombudsman"}],"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":["Financial Injury caused by failure of the Insured Information and Network Technology Product to perform the function or to serve the purpose intended","failure of the Insured to perform the Professional Services or Information and Network Technology Based Services","Defence Cost","Supplementary Payments","court attendance fees","defamation, libel, slander harassment, trespass, false arrest, wrongful detention or imprisonment","unintentional infringement of copyright, trademark, registered design or any plagiarism or breach of confidentiality excluding patents and trade secrets","loss of third-party documents which have been destroyed, damaged, lost or mislaid","dishonest and fraudulent conduct committed by any employee","act, error or omission committed or alleged to have been committed by any third party engaged by the Insured under a contract for service"],"display":"Covers legal liability for financial injury from failure of insured technology products or services, defence cost, supplementary payments and extensions including court attendance, defamation, intellectual property rights, loss of documents, employee dishonesty and vicarious liability.","note":null,"quote":"Financial Injury, caused by or arising out of the failure :\n1. of the Insured Information and Network Technology Product to perform the function or to serve the purpose intended, due to defect, deficiency, inadequacy, or dangerous condition in the Insured product; or\n2. of the Insured to perform the Professional Services or Information and Network Technology Based Services ... ii) Defence Cost; ... iii) Supplementary Payments. ... The Company agrees to provide for court attendance fees incurred by employees of Insured ... The Company agrees to pay the Insured against liability for compensation arising from any Claim made against Insured for defamation, libel, slander harassment, trespass, false arrest, wrongful detention or imprisonment. ... The Company agrees to pay Insured against liability for compensation arising from any Claim made against Insured for any unintentional infringement of copyright, trademark, registered design or any plagiarism or breach of confidentiality excluding patents and trade secrets. ... The Company will pay on behalf of the insured all damages and defence costs resulting from the loss of third-party documents which have been destroyed, damaged, lost or mislaid ... because of any dishonest and fraudulent conduct committed by any employee while performing duties related to the conduct of their services. ... any Claim made against Insured arising from any act, error or omission committed or alleged to have been committed by any third party engaged by the Insured under a contract for service","sources":[{"clause":"Section 1","heading":"INSURING CLAUSE","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-section-1"},{"clause":"Section 1(ii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-section-1-ii"},{"clause":"Section 1(iii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-section-1-iii"},{"clause":"2.1","heading":"Court attendance costs","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-2-1"},{"clause":"2.2","heading":"Defamation","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-2-2"},{"clause":"2.4","heading":"Intellectual Property Rights","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-2-4"},{"clause":"2.5","heading":"Loss of Documents","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-2-5"},{"clause":"2.8","heading":"Dishonesty of Employees","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-2-8"},{"clause":"2.9","heading":"Vicarious Liability Extension","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-2-9"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The wording says the deductible is borne for each claim/occurrence and applies to defence cost, but the amount or percentage is only stated as per the Policy Schedule.","quote":null,"sources":[],"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":"The insured may cancel by written notice. If no claim has occurred up to the cancellation date, refund is at short period rate: insurer retains 25% of annual rate up to 1 month, 35% up to 2 months, 50% up to 3 months, 60% up to 4 months, 75% up to 6 months, 85% up to 8 months, and full annual premium after 8 months.","display":"Short period refund if no claim: 1 Month 25%, 2 Months 35%, 3 Months 50%, 4 Months 60%, 6 Months 75%, 8 Months 85%, Exceeding 8 Months Full Annual Premium.","note":null,"quote":"The Insured may at any time cancel this policy by giving a written notice to the Company and in such event Insurer shall allow refund of premium at short period rate only provided no Claim has occurred up to the date of cancellation. ... 1 Month | 25% of the Annual rate ... 2 Months | 35% of the Annual rate ... 3 Months | 50% of the Annual rate ... 4 Months | 60% of the Annual rate ... 6 Months | 75% of the Annual rate ... 8 Months | 85% of the Annual rate ... Exceeding 8 Months | Full Annual Premium","sources":[{"clause":"Section 14","heading":"General Conditions","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-section-14"}],"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":"No claim is payable unless the cause of action arises in India, unless otherwise specifically provided in the Policy Schedule. All claims are payable in India in Indian Rupees only.","display":"India cause of action unless the Schedule specifically provides otherwise; claims payable in India in Indian Rupees only.","note":null,"quote":"No Claim shall be payable under this Policy unless the cause of action arises in India, unless otherwise specifically provided in the Schedule to this Policy. All Claims shall be payable in India in Indian Rupees only.","sources":[{"clause":"Section 14","heading":"General Conditions","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-section-14"}],"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 insured's legal liability for financial injury caused by failure of insured information and network technology products or failure to perform professional services or information and network technology based services.","display":"Legal liability for Financial Injury from failure of insured technology products or services.","note":null,"quote":"the Company agrees to indemnify such Loss for which Insured is held legally liable because of Liability imposed by law or assumed in an Insured Contract by reason of any Financial Injury, caused by or arising out of the failure :\n1. of the Insured Information and Network Technology Product to perform the function or to serve the purpose intended, due to defect, deficiency, inadequacy, or dangerous condition in the Insured product; or\n2. of the Insured to perform the Professional Services or Information and Network Technology Based Services","sources":[{"clause":"Section 1","heading":"INSURING CLAUSE","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329#c-section-1"}],"law":[]}],"documents":[{"kind":"wording","label":"Tech Suraksha Policy Wordings","pages":9,"fetched_at":"2026-10-16 04:29:31+00","source_url":"https://content.sbigeneral.in/uploads/TECH_SURAKSHA_Wording_9dd9fe981a.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15169"},{"kind":"wording","label":"Tech Suraksha Policy Wordings","pages":9,"fetched_at":"2026-10-17 20:06:10+00","source_url":"https://content.sbigeneral.in/uploads/Tech_Suraksha_Wording_3030aa6c85.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15329"},{"kind":"prospectus","label":"Tech Suraksha Prospectus","pages":2,"fetched_at":"2026-10-16 04:28:26+00","source_url":"https://content.sbigeneral.in/uploads/Tech_Suraksha_Prospectus_4455cfc6ee.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15128"},{"kind":"prospectus","label":"Tech Suraksha Prospectus","pages":2,"fetched_at":"2026-10-17 20:05:16+00","source_url":"https://content.sbigeneral.in/uploads/Tech_Suraksha_Prospectus_7b2fced1a5.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223/document/15314"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"SBI General Insurance official website","url":"https://www.sbigeneral.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":"Health claims","url":"https://www.sbigeneral.in/claim/health","note":null},{"purpose":"claim","kind":"insurer","name":"Home claims","url":"https://www.sbigeneral.in/claim/home","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.sbigeneral.in/claim/motor","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.sbigeneral.in/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":"Policy renewal","url":"https://www.sbigeneral.in/policy-renewal","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":"Tech Suraksha (UIN IRDAN144CP0233V01202223), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/tech-suraksha-irdan144cp0233v01202223"}