eBAo - Premum Matching - v1.13

Insure MO - Product Definition Requirements Document
Scope
Client Name
Product Name
Product Code
Sub Product Codes
Sub Product Applicability

Product Type
Type of Insurance
Insured Object
Policy Types
Number of Lines (for Multi Line)
Standard Duration of Policy
Master Policy
Major Line of Business (LOB1)
Minor Lines (LOB2)
LOB3
LOB4
LOB5
Product Features
Insure MO - Product Definition Requirements Document
Change existing Product to add three new sub products to handle Bharat Sookshma Udyam and Bharat Laghu Uydam IRDA
regulated products in Ebao GS
SBI General Insurance
Standard Fire and Special Perils
FIRSP01
BSUS01, BLUS01, SFSP01
BSUS01 - SI >0Cr and <=-5Cr (New Business , Rollover and Renewal of existing policies of FIRSP01)
BLUS01 - SI >5Cr and <=50 Cr (New Business, Rollover and Renewal of existing policies of FIRSP01)
SFSP01 - SI >=50 Cr (New Business, Rollover and Renewal of existing policies of FIRSP01; Endorsement of all policies currently in the system
irrespective of Sum Insured
Single line
Individual
Multi Location
Indvidual, Individual Declaration, Floater,Floater Declaration
1
1 ; Short Period policies are allowed
Not Applicable
Fire
Building or structure, Plant and Machinery, Stock of goods or merchandise, All other assets(furniture and fixtures, office equipment,
telephone equipment, electronic equipment, computers etc,)
Loss due to 14 Perils including Act of Terrorism and Theft within 7 days from the occurrence of, and proximately caused by, any of the
Insured Events
Inbuilt Covers : Additions, alterations or extensions, Temporary removal of stocks
Cover for Specific Contents, Start-Up Expenses, Professional fees
Cost for Removal of debris, Costs compelled by Municipal Regulations
Addon covers : Declaration policy for Stocks, Floater cover
No instalment allowed
Policy Tenure- 1 Year
Short period policies can be issued for specific valid reasons such as coinciding with the financial year or the date of renewal of other
policies
Type of Policy - Mandatory Location with Optional Floater/ Floater Declar
This is an illustration , there is no lim
Location1 - Salem
Primary Cover - SFSP
Benefits - Building, P&M, Stocks
Dependent covers - 16 covers including

Declaration (except Floater cover)
1) Earthquake (Fire and Shock) cover
2) STFI cover
3) Under Insurance waiver cover
4) Loading for Excess cover
5) Cost of Removal Debris (upto 2% of claim
Amount) cover
6) Forest Fire cover
7) Spontaneous Combustion cover
8) Additions, alterations or extensions cover
9) Temporary Removal of Stocks Clause cover
10) Start up Expenses cover
11) Professional fees(Upto 5 % of the claim
amount) cover
12) Theft within 7 days cover
13) Cover for Specific Contents
14) Costs compelled by Municipal Regulations
Cover
15) Terrorism cover
16) Declaration Cover (Optional)
Policy Type - Only Floater/ Floater Declaration

Sub Product Types - BSUS01 (Sookshma) and
BLUS01 (Laghu) ONLY
LOCATION - Floater Location
Primary Cover - Floater Cover
Floater Cover
Loc1 - Address - Pin Code - EQ Zone
Loc 4 - Address - Pin Code - EQ Zone
Dependent covers - 14 covers
1) STFI cover
2) EQ Cover
3) SFSP Cover
5) Excess cover
9) Temporary removal of stocks cover
Amount) cover
11) Start-Up Expenses cover
12) Costs compelled by Muncipal Regulation
13) Declaration Cover
14) Terrorism Cover
- Mandatory Location with Optional Floater/ Floater Declaration Sub Product Types - BSUS01 (Sookshma) and BLUS01 (Laghu) ONLY
This is an illustration , there is no limit on number of Non- Floater locations
Location2 - Nashik Location3 - Mangalore …
Primary Cover - SFSP Primary Cover - SFSP …
Benefits - Building, P&M, Stocks Benefits - Building, P&M, Stocks …
Dependent covers - 16 covers including Dependent covers - 16 covers including

Declaration (except Floater cover) Declaration (except Floater cover) …
1) Earthquake (Fire and Shock) cover 1) Earthquake (Fire and Shock) cover
2) STFI cover 2) STFI cover
3) Under Insurance waiver cover 3) Under Insurance waiver cover
4) Loading for Excess cover 4) Loading for Excess cover
5) Cost of Removal Debris (upto 2% of claim 5) Cost of Removal Debris (upto 2% of claim
Amount) cover Amount) cover
6) Forest Fire cover 6) Forest Fire cover
7) Spontaneous Combustion cover 7) Spontaneous Combustion cover
8) Additions, alterations or extensions cover 8) Additions, alterations or extensions cover
9) Temporary Removal of Stocks Clause cover 9) Temporary Removal of Stocks Clause cover
10) Start up Expenses cover 10) Start up Expenses cover
11) Professional fees(Upto 5 % of the claim 11) Professional fees(Upto 5 % of the claim
amount) cover amount) cover
12) Theft within 7 days cover 12) Theft within 7 days cover
13) Cover for Specific Contents 13) Cover for Specific Contents
14) Costs compelled by Municipal 14) Costs compelled by Municipal Regulations
Regulations Cover Cover
15) Terrorism cover 15) Terrorism cover
16) Declaration Cover (Optional) 16) Declaration Cover (Optional)
…
…
shma) and BLUS01 (Laghu) ONLY -
Location - 4 (FLOATER LOCATION)

Primary Cover - Floater Cover
Benefits - NA
Dependent covers - 11 covers

2) Excess cover
Amount) cover
10) Declaration Cover (Optional)
11) Terrorism Cover
Floater Location Info

Loc 4 - Address - Pin Code - EQ Zone
Cover Type Name CT Rename/ NEW
STFI cover
Riot / Strike / Malicious Damage
Terrorism cover
Escalation Cover
Removal of Debris (in excess of 1%
claim amount)
Forest Fire cover
Impact Damage
Spontaneous Combustion cover
Omission to Insure additions,

alterations & extensions Additions, alterations or extensions cover
Standard Fire & Special Perils cover
Earthquake (Fire and Shock) cover

Spoilage Material Damage Cover
Leakage Cover only(Tanks within
Insured's Premises)
Leakage & Contamination(Tanks within
Insured's Premises)
Leakage Cover only(Tanks Located
Elsewhere)
Leakage & Contamination(Tanks
Located Elsewhere)
Temporary Removal of Stocks Clause
cover
Loss of Rent Clause

Additional Expenses of Rent for
Alternative Accomodation
Start up Expenses cover

Molten Material Spillage
Deterioration of Stocks in Cold Storage
premises
Deterioration of stocks in cold storage
premises due to chan
Architects, Surveyors and Consulting Professional fees(Upto 5 % of the claim

Engineers Fees amount) cover
Product Name Product Category
Full name of the product Product category, such as Motor, Fire, etc.
Standard Fire and Special Perils Policy Sub
Products with UIN --
SBI General Bharat Laghu Udyam Suraksha
IRDAN144RP0030V01202021 FIRE
SBI General Bharat Sookshma Udyam
Suraksha
IRDAN144RP0031V01202021
Product - FIRSP01 (Sookshma & Laghu)
Applicable for SFSP01 Applicable for Sookshma

Benefit Name Benefit Name
Building Buidling including plinth, basement and addi
Plinth & Foundation
Plant & Machinery Plant & Machinery(Sookshma/Laghu)
Electrical Installation
Furniture, Fixture & Fittings Furniture, Fixture & Fittings and other equipment
Stocks Stocks
Stocks in Open
Stocks of Raw Material Raw Material
Stocks of Finished Goods Finished Stocks
Stocks of Work in Progress Stocks in Process
Stocks of Packing Material
Consumables and Spares
Other Stocks
Other Items to be Specifically Covered Other contents
Contents
Contents - New Benefit applicable for Sookshma and laghu only
Sookshma & Laghu
SFSP Sookshma Laghu Mandatory/ Optional
Y Y Y Mandatory
Y N N
Y Y Y Mandatory
Y N N
Y N N
Y Y Y Mandatory
Y N N
Y Y Y Mandatory
Y Y Y Mandatory
Y Y Y Mandatory
Y Y Y Mandatory
Y N N
Y N N
Y N N
Y N N
Y N N
Y Y Y Mandatory
Y N N
Y N N
Y Y Y Mandatory
Y N N
Y N N
Y N N
Y Y Y Mandatory
Renewal Attribute Master Policy Automatic Renewal Terrorism Excess
To determine Whether the product

whether the can be extracted by
Whether the product is renewable or not product has
the automatic
master policy. renewal batch
Shops
&. Residential Risks: 1%
of the ctaim amount for
each and every claim
subject
to Minimum of INR
10,000 and Maximum
of INR 500,000
Non-lndustria[ Risks: 1%
of the ctaim amount for
each and every ctaim
subject to
Minimum of INR 25,000
and Maximum of INR
1,000,000
lndustrial Risks: 5% of
Renewable No Yes
the claim amount for
each and every ctaim
subject to
Minimum of INR
100,000 and Maximum
of INR 25,00,000
ma & Laghu)
Applicable for Laghu

Benefit Name
Buidling including plinth, basement and additional structure
Plant & Machinery(Sookshma/Laghu)
Furniture, Fixture & Fittings and other equipment

Stocks
Raw Material
Finished Stocks
Stocks in Process
Other contents
Contents
e for Sookshma and laghu only
Sookshma &
Laghu Sookshma & Sookshma & Laghu
Basic/ In-built/ Laghu Cover Policy - SI
Add-on Dependency Accumulation Default SI - Location
Standard Fire & 1) in non floater location and type of Policy
Special Perils - Mandatory Location and Optional Floater/
cover Floater Declaration --> Standard Fire and
Special Perils Cover SI
2)for type of Policy - Only Floater/Floater
Declaration --> Floater Cover SI
In-built No
Basic Cover
cover/ Floater Floater Declaration --> Standard Fire and
Cover Special Perils Cover SI
2)In Floater Location and type of Policy -
Mandatory Location and Optional Floater/
Floater Declaration --> Floater Cover SI
3) for type of Policy - Only Floater/Floater
In-built No
Basic Cover
Basic Cover
cover/ Floater Floater Declaration --> Standard Fire and
Cover Special Perils Cover SI
2)in Floater Location and type of Policy -
Mandatory Location and Optional Floater/
Floater Declaration --> Floater Cover SI
In-built No
Basic Cover
Standard Fire & 1) In non floater lcoation for type of Policy -
Special Perils Mandatory Location and Optional
cover/ Floater Floater/Floater Declaration --> Stocks SI
Cover 2) in floater location for type of Policy -
Mandatory Location and Optional
Floater/Floater Declaration --> Floater Cover
SI
In-built No
Standard Fire & 15% of Sum of Benefit SI of (Building +
Special Perils Contents + Other Items to be Specifically
cover Covered)
In-built No
For type of Policy - Mandatory Location and
Optional Floater/ Floater Declaration -->
Sum of Benefit SI of (
Building + Contents + Stocks + Other Items
to be Specifically Covered )
for type of Policy - Floater/ Floater
Declaration For floater locations --> Floater
Cover SI will be defaulted
Basic Not applicable Yes

cover Floater Declaration --> Standard Fire and
Special Perils Cover SI
In-built No
Basic Cover
Basic Cover
Basic Cover
Basic Cover
Basic Cover
Standard Fire & For type of Policy - Mandatory Location and
Special Perils Optional Floater/Floater Declaration & non
cover/ Floater floater location -->10% *(Stocks Benefit SI )
Cover for type of Policy - Mandatory Location and
Optional Floater/Floater Declaration &
floater location --> 10% of Floater Sum
Insured
for Type of Policy - Only Floater/ Floater
Declaration --->10% of Floater Sum Insured
In-built No
Basic Cover
Basic Cover
Standard Fire &
Special Perils BSUS01 - 100000
cover/ Floater BLUS01 - 500000
In-built Cover No ***This SI is for each loaction
Basic Cover
Basic Cover
Basic Cover
Standard Fire &
Special Perils
cover
In-built No 999999999
Policy Excess Period Factor Minimum Premium Installment Calculation
SBIG will deduct ₹ How period factor

Policy Excess for affect premium
each and every loss calculation
suffered by
Customer under the Minimum premium for Calculation method of installment
terms of this policy. each policy
For BSUS01 5000;
For BLUS01 Excess
of 5 % of each
claim, subject to a
minimum of ₹
10,000 ( Rupees
Ten Thousand)
Short Rate 200 Not Applicable

Benefit Rename/ Benefit Benefit
Interest ID Benefit Name NEW SFSP Sookshma
Buidling including
plinth, basement
and additional
700001121 Building structure Y Y
Default Period of
Insurance of Policy Start Date of Sale
The start date to sale the

To define the
standard POI options product. The date will be
compared with the
of this product. transaction create date.
Standard 1 year
policy but can be 1/04/2021
taken on short term
basis
Sookshma & Laghu
Benefit Benefit Mandatory/ Sookshma & Laghu Sookshma & Laghu
Laghu Optional Benefit Editable Cover SI accumulation
Optional (any one
Y benefit is mandatory) Yes
Sookshma & Laghu
Default SI
0
PRODUCT_NAM PRODUCT_CODE CT_CODE Unique Product Code Unique Code SUB_PRODUCT_CODE
Standard Fire anFIRSP01 BSUS01 and BLUS01





CT_NAME System Risk Category Business Risk Category Basic/Add on new
STFI Cover Fire Fire Fire
Terrorism cover Fire Fire Fire
Cost of Removal Debris (upto

2% of claim Amount) cover Fire Fire Fire
Forest Fire cover Fire Fire Fire
Spontaneous Combustion
cover Fire Fire Fire
Additions, alterations or
extensions cover Fire Fire Fire
Standard Fire & Special Perils
Earthquake (Fire and Shock)
Temporary Removal of
Stocks Clause cover
Start up Expenses cover Fire Fire Fire
Professional fees(Upto 5 % of
the claim amount) cover Fire Fire Fire
Theft within 7 days cover Fire Fire Fire
Cover for Specific Contents Fire Fire Fire

Costs compelled by
Municipal Regulations cover
Fire Fire Fire
Floater Cover Fire Fire Fire
Declaration Cover Fire Fire Fire
Under Insurance waiver
Excess premium cover Fire Fire Fire
LoB for 'IRDA' LoB for 'MBF_BAP' Fin Reporting LoB LOB_Actuary_BAP Accounting LoB
Fire Fire Fire
Fire Fire Fire
Fire Fire Fire

Fire Fire Fire
Fire Fire Fire
Fire Fire Fire
Fire Fire Fire
Fire Fire Fire
Fire Fire Fire
Fire Fire Fire

Fire Fire Fire
Fire Fire Fire
Fire Fire Fire

Fire Fire Fire
Fire Fire Fire
Fire Fire Fire

Fire Fire Fire
EoD LoB - Product Mix Remarks Claim LOB OF_LOB_CODE OF_LOB_NAME Etass LOB
Fire Fire Fire Fire
Fire Fire Fire Fire
Fire Fire Fire Fire

Fire Fire Fire Fire
Fire Fire Fire Fire
Fire Fire Fire Fire
Fire Fire Fire Fire
Fire Fire Fire Fire
Fire Fire Fire Fire
Fire Fire Fire Fire

Fire Fire Fire Fire
Fire Fire Fire Fire
Fire Fire Fire Fire

Fire Fire Fire Fire
Fire Fire Fire Fire
Fire Fire Fire Fire

Fire Fire Fire Fire
Node Repeating Node Parent Node
(GRID)
Policy Info No Policy

Customer Information No Policy
Insured Object No Policy
Individual Customer No Customer Information
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Individual Customer
Company Customer No Customer Information

Information
Company Customer Information

Financier No Policy
Financier
Financier Information Yes Financier
Financier Information
Policy Info No Policy
Policy Info
Policy Info
Policy Info
Policy Info
Policy Info
Policy Info
Policy Info
Policy Info
Policy Info
Policy Info
Policy Info
Policy Info
Policy Info
Previous Insurance No Policy Info
Previous Insurance
Previous Insurance
Previous Insurance Details Yes Previous Insurance

Previous Insurance Details

Concurrent Insurance Policy Info
Concurrent Insurance
Concurrent Insurance Details Yes Concurrent Insurance
Concurrent Insurance Details
Other Details No Polcy Info

Other Details
Other Details
Other Details
Policy Info
Other Details
Locations Covered No Policy Info
Locations Covered
Additional U/W Details No Policy Info
Additional U/W Details
General Information No Polcy Info
General Information
General Information
General Information
General Information
General Information
General Information
General Information
General Information
General Information
General Information
General Information
General Information
PML Details No Policy Info
PML Details
PML Details
Floater opted in Location No Location - Insured Object
Floater opted in Location
Floater- Cover No Location - Insured Object

Floater Location Details Yes Floater- Cover
Floater Location Details


Floater- Cover Details No Floater- Cover
Floater- Cover Details

Declaration Policy on Stocks No Policy

- Cover
Declaration Policy on Stocks -
Cover

Cover
Cover

Cover
Location - Insured Object Yes Policy
Location Details No Location - Insured Object
Location Details
Location Details
Location Details
Location Details
Location Details
Location Details
Location Details
Location Details
Location Details
Location Details
Earth Quake - Cover No Location - Insured Object

Earth Quake - Cover
Earth Quake - Cover
Earth Quake - Cover
STFI- Cover No Location - Insured Object
STFI - Cover
STFI - Cover
STFI - Cover
Additions, alterations or No Location - Insured Object
extensions - Cover
Additions, alterations or extensions

Temporary removal of stocks No Location - Insured Object

- Cover
Temporary removal of stocks
Cover for Specific Contents - No Location - Insured Object

Cover
Cover for Specific Contents
Cover for Specific Contents - No Cover for Specific Contents - Cover

Benefits
Cover for Specific Contents -
Benefits
Benefits
Benefits
Benefits
Benefits
Benefits
Benefits

Benefits
Start-Up Expenses - Cover No Location - Insured Object
Start-Up Expenses
Start-Up Expenses
Start-Up Expenses
Professional fees - Cover No Location - Insured Object
Professional fees
Professional fees
Professional fees
Cost for Removal of debris - No Location - Insured Object
Cover
Cost for Removal of debris
Costs compelled by No Location - Insured Object

Municipal Regulations -
Cover
Costs compelled by Municipal

Regulations
Regulations
Regulations
Spontaneous Combustion - NO Location - Insured Object
Cover
Spontaneous Combustion - Cover
Theft - Cover NO Location - Insured Object

Theft - Cover
Theft - Cover
Theft - Cover
Forest Fire - Cover NO Location - Insured Object
Forest Fire - Cover
Forest Fire - Cover
Forest Fire - Cover
Under Insurance waiver- NO Location - Insured Object
Cover
Under Insurance waiver- Cover

Excess - Cover NO Location - Insured Object

Excess - Cover
Excess - Cover
Excess - Cover
Terrorism - Cover NO Location - Insured Object

Terrorism - Cover
Terrorism - Cover
Terrorism - Cover
Terrorism - Cover
Details of Business Insured No Location - Insured Object
Details of Business Insured

Details of insured property No Location - Insured Object
Details of insured property

Risk Features No Location - Insured Object
Risk Features
Risk Features
Risk Features
Risk Features
Risk Features
Risk Features
Risk Features
Risk Features
Risk Features
Risk Features
Claim Experience No Risk Features
Claim Experience
Claim Experience
Claim Experience
Claim Experience
Claim Experience
Claim Details Yes Claim Experience

Claim Details
Claim Details
Claim Details
Standard Fire & Special No Location - Insured Object

Perils - Cover
Standard Fire & Special Perils -

Cover
Standard Fire & Special Perils -

Cover
CT Info - Standard Fire & No Standard Fire & Special Perils -

Special Perils Cover
Benefit Sum Insured Yes CT Info - Standard Fire & Special

Perils
Benefit Sum Insured
Benefit Sum Insured

Benefit Sum Insured
Benefit Sum Insured
Benefit Sum Insured
Basis Of Sum Insured No CT Info - Standard Fire & Special

Perils
Basis Of Sum Insured
Benefit Info -Building No CT Info - Standard Fire & Special

Perils
Benefit Info -Building

Benefit Info - Contents No

CT Info - Standard Fire & Special
Perils
Benefit Info - Contents
Benefit Info - Contents
Benefit Info - Stocks No

CT Info - Standard Fire & Special
Perils
Benefit Info - Stocks
Benefit Info - Stocks
Location premium No Location - Insured Object

Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Location premium
Policy Premium Details No Policy Info

Policy Premium Details


Fields / Elements Proposal Widget Type Format
Question
LOV AlphaNumeric
Title
First Name Text Box AlphaNumeric

Middle Name Text Box AlphaNumeric
Last Name Text Box AlphaNumeric
Gender Check Box AlphaNumeric
ID Type LOV AlphaNumeric
ID Number Text Box AlphaNumeric

Date of Birth Date Picker DD/MM/YYYY
Marital Status LOV AlphaNumeric
Nationality LOV AlphaNumeric
Education LOV AlphaNumeric
Occupation Search Feature in AlphaNumeric

Ebao GS
Party Status LOV AlphaNumeric
Mobile Number Check Approval LOV Yes,No
Received
Mobile Text Box Number
Email Text Box AlphaNumeric
Aadhar No(UHID) Text Box AlphaNumeric
ISD Code Text Box Number
STD Code Search Feature in Number
Ebao GS
Business Telephone Text Box Number
Contact Type LOV AlphaNumeric
Preferred Contact Mode Check Box AlphaNumeric
Preferred Payment Mode Text Box AlphaNumeric
Plot number Text Box AlphaNumeric
Building Name/House No. Text Box AlphaNumeric
Area name Text Box AlphaNumeric
Locality Text Box AlphaNumeric
Country Text Box AlphaNumeric
State Text Box AlphaNumeric

District Text Box AlphaNumeric
City Text Box AlphaNumeric
PostCode Text Box Number

VIP Flag LOV AlphaNumeric
EIARequirement LOV AlphaNumeric

EIANumber Text Box AlphaNumeric
PANNumber Text Box AlphaNumeric
InsuranceRepository LOV AlphaNumeric
Business Name 1 Text Box AlphaNumeric
Organization Level Search Feature in AlphaNumeric

Ebao GS
Name to be Addressed Text Box AlphaNumeric
Date of Incorporation Date Picker DD/MM/YYYY
ID Type LOV AlphaNumeric
ID Number Text Box AlphaNumeric
GST Registration Number Text Box AlphaNumeric
ISD Number Text Box AlphaNumeric
GST Input State LOV AlphaNumeric
Party Status LOV AlphaNumeric
Email 5 Text Box AlphaNumeric
ISD Code Text Box Number
STD Code Search Feature in Number

Ebao GS
Business Telephone 3 Text Box Number
Plot number 2 Text Box AlphaNumeric
Building Name/House No. 2 Text Box AlphaNumeric
Area name 2 Text Box AlphaNumeric
Locality 2 Text Box AlphaNumeric
Country 2 Text Box AlphaNumeric
State 2 Text Box AlphaNumeric
District 2 Text Box AlphaNumeric
City 2 Text Box AlphaNumeric
PostCode 2 Text Box Number
VIP Flag LOV AlphaNumeric
Is any Financial Party Involved? LOV AlphaNumeric

Fin
Is asset mortgaged with SBI Bank & LOV AlphaNumeric

Associates?
Loan Account Number Text Box AlphaNumeric
Financier Name Text Box AlphaNumeric
Address Text Box AlphaNumeric
Branch Name Text Box AlphaNumeric
Branch Address Text Box AlphaNumeric
Agreement Type LOV AlphaNumeric
Account Handling Manager Text Box AlphaNumeric
New Biz Classification LOV AlphaNumeric

Product Code Text Box AlphaNumeric
Sub Product Type LOV AlphaNumeric
UIN Text Box AlphaNumeric
On Selection of BSUS01
On Selection of BLUS01 - Popup Message to appear wi
On Selection of FIRSP0
Policy Start Date 8 Date Picker DD/MM/YYYY
Effective Time 8 Text HH:MM

Policy End Date 8 Date Picker DD/MM/YYYY
Expiry Time 8 Text Box HH:MM

Policy Period (in months) Text Box Number (10,4)
POS Agent Policy LOV AlphaNumeric
POSP Agent Code Text Box AlphaNumeric

POSP UIN Text Box AlphaNumeric
UIN Text Box AlphaNumeric
POSP Agent SI Limit Text Box Number

Type of Policy LOV AlphaNumeric
Is there a Previous Insurance Policy LOV AlphaNumeric

Total Claimed Amount Text Box Number
Previous Insurance Company Text Box AlphaNumeric

Date of Loss Date Picker DD/MM/YYYY
Cause of Loss Text Box AlphaNumeric

Claimed Amount Text Box Number
Settled Amount Text Box Number
Outstanding Amount Text Box Number
Whether You have insured the same 19 Text Box AlphaNumeric

property with any other Insurance
Company with the same type of
coverage?
Policy Number 19 Text Box AlphaNumeric
Insurance Company 19 Text Box AlphaNumeric
Policy Start Date 19 Date Picker DD/MM/YYYY
Policy End Date 19 Date Picker DD/MM/YYYY
Cost of Sale Dropdown List AlphaNumeric
Cost of Sale Adjustment Text Box Number

Loan Account Number Text Box AlphaNumeric
Loan Amount Text Box NUMBER (20,2)
Business of Proposer 9 Text Box AlphaNumeric

Number of Locations Covered Text Box Number
Underwritters comments Text Box Alpha Numeric
Risk inspection U/W comments Text Box Alpha Numeric
Risk Accepted Status LOV Alpha Numeric
RI Inward LOV Alpha Numeric
Abroad Risk LOV Alpha Numeric
RI approval / confirmation taken LOV Alpha Numeric
Whether Insurance was declined by 20 Text Box Alpha Numeric

any other Company?
Details of Declined Insurance 20 Text Box Alpha Numeric
Excess Text Box Alpha Numeric
Occupancy Description Dropdown List Character

TAC Occupancy Code Text Box Character
Commercial Consideration - Others LOV Character
Commercial Consideration % - Others Text Box Number
Distribution Comments - Others Text Box Alpha Numeric
Override IIB LOV Character
Fire PML % Text Box Number
Fire PML Value Text Box Number
Is floater cover opted in this location LOV Character
Floater cover can be added only "if t
Location Address 23 Text Box Character

City 23 Text Box Character
Pin Code 23 Text Box Number
EQ Zone Text Box Number
EQ Rate Text Box Number
Highest Earth Quake Zone Rate Text Box Number
Maximum value at any one location 23 Text Box Number
Whether stocks stored in open 23 Check Box Number

CT - Floater Text Box Character
Sum Insured Text Box Number
Floater cover cover book premium Text Box Number
Do You want to opt for Declaration 24 LOV

Policy?
Stocks (Amount /Rs) which fluctuate 24 Text Box Number
in value to be covered on (Monthly)
declaration basis
CT - Declaration Policy on Stocks Text Box Character
Declaration Policy on Stocks cover Text Box Number

book premium
Location ID 10 Text Box AlphaNumeric

Block No/Flat No/Plot No. 10 Text Box AlphaNumeric
Building Name/House No. 10 Text Box AlphaNumeric
Area name 10 Text Box AlphaNumeric
Locality 10 Text Box AlphaNumeric
City 10 Text Box AlphaNumeric
State 10 Text Box AlphaNumeric
Pincode 10 Text Box Number
Age of unit 10 Text Box Number
Floor 10 LOV AlphaNumeric
CT_Earth Quake Text Box Character

EQ cover book premium Text Box Number
CT_ STFI Text Box Character

STFI cover book premium Text Box Number
CT_Additions, alterations or Text Box Character

extensions
Additions, alterations or extensions Text Box Number
cover book premium
CT - Temporary removal of stocks Text Box Character

Temporary removal of stocks cover Text Box Number
book premium
CT - Cover for Specific Contents Text Box Character

Cover for Specific Contents cover Text Box Number
book premium
Benefit - Cover for Money Text Box Character
Benefit - Cover for documents Text Box Character
Benefit - Cover for computer Text Box Character

programmes and information
Benefit - Cover for personal effects of Text Box Character

employees, Directors and visitors
CT - Start-Up Expenses Text Box Character

Start-Up Expenses cover book premium Text Box Number
CT - Professional fees Text Box Character

Professional fees cover book premium Text Box Number
CT - Cost for Removal of debris Text Box Character

Cost for Removal of debris cover Text Box Number
book premium
CT - Costs compelled by Municipal Text Box Character

Regulations
Costs compelled by Municipal Text Box Number

Regulations cover book premium
CT - Spontaneous Combustion Text Box Character
Spontaneous Combustion cover book Text Box Number

premium
CT - Theft Text Box Character

Theft cover book premium Text Box Number
CT - Forest Fire Text Box Character

Forest Fire cover book premium Text Box Number
CT - Under Insurance waiver Cover Text Box Character

Under Insurance waiver cover book Text Box Number
premium
CT - Excess Cover Text Box Character

Loading for Excess cover book Text Box Number
premium
CT - Terrorism Cover Text Box Character

Terrorism cover book premium Text Box Number
Terrorism cover excess Text Box Number
Occupancy same as Policy? LOV Character

TAC Occupancy Code Text Box Character
Occupancy Description Dropdown List Character
Offices, Shops, Hotels etc. 11 Check Box Alpha Numeric
Industrial / Manufacturing risks 11 Check Box Alpha Numeric
If used as an Industrial 13 Text Box Alpha Numeric

Manufacturing unit give products
manufactured at the location
proposed
If used as an Industrial 14 LOV Alpha Numeric

Manufacturing unit, please state
whether the factory is working or
silent?
Storage outside Industrial/ 11 Check Box Alpha Numeric

Manufacturing risks
If used as warehouse / godown (not 12 Text Box Alpha Numeric

located in a manufacturing unit),
please give the list of goods stored.
Tanks / Gas holders outside 11 Check Box Alpha Numeric

Industrial/ Manufacturing risks.
Utilities located outside 11 Check Box Alpha Numeric

Industrial/Manufacturing risks.
Boundary wall 11 Check Box Alpha Numeric
Basement storage 11 Check Box Alpha Numeric

Fire Protection devices installed 15 LOV Alpha Numeric
Others, please specify 15 Textbox Alpha Numeric
Is AMC for the Fire Protection 16 LOV Alpha Numeric

Appliances is in force?
Construction details - Wall 17a LOV Alpha Numeric
Construction details - Floor 17a LOV Alpha Numeric
Construction details - Roof 17a LOV Alpha Numeric
Number of Floors 17b Text Box Number
Age of the Building 17c LOV Alpha Numeric
Distance between the risk to be 18 LOV Alpha Numeric

covered and nearest Fire Brigade
Inspection Feedback LOV Alpha Numeric
Do You Have Claim Details? LOV Alpha Numeric

Have any claims been made against 21 LOV Alpha Numeric
any of the insurance policies covering
Fire in the past 3 years excluding
expiring policy period?
Total Premium 21 Text Box NUMBER
Total Claim 21 Text Box NUMBER
Claim Ratio 21 Text Box NUMBER
Claims Details Grid will appear only if the Do you have claim Details is Yes, and onl
Year Date Picker YYYY
Premium Text Box NUMBER
Claim Amount Text Box NUMBER
Fire Rate Text Box NUMBER
Standard Fire & Special Perils - Cover Text Box NUMBER

Premium
Interest Covered Type LOV
Description of Commodity LOV Alpha Numeric

Is the commodity stored in open? LOV Alpha Numeric
Is the commodity stored in closed? LOV Alpha Numeric
Sum Insured Text Box NUMBER
Basis of Sum Insured - Buildings LOV Alpha Numeric
Basis of Sum Insured - Plant and LOV Alpha Numeric

Machinery
Basis of Sum Insured - Furniture, LOV Alpha Numeric

Fixture, Fittings
Basis of Sum Insured - Stocks of raw LOV Alpha Numeric

material
Stocks of Work in Progress LOV Alpha Numeric
Stocks of Finished Goods LOV Alpha Numeric
If Building is selected do you wish to LOV

insure the whole building
Year Of Building Construction Date Picker YYYY

No of Floors LOV
Age of Building LOV
Enter the floor of the building Text Box Alpha Numeric
Please select the lowest floor level LOV Alpha Numeric
Type of Roof construction LOV Alpha Numeric
Type of Floor Construction LOV Alpha Numeric
Type of Wall construction LOV Alpha Numeric
Construction Area Text Box Alpha Numeric
Is Business Located in an Industrial Radio Button Alpha Numeric

complex?
Property Valuation Radio Button Alpha Numeric
Ownership of Building LOV Alpha Numeric
On what floors are the Textbox Alpha Numeric

contents/stocks located?
LOV Alpha Numeric
Select the lowest floor
Do you store stock in the open? Radio button Alpha Numeric

Approx % of stocks sum insured Textbox Number
stored in open
LOCATION FIELDS
Textbox Number
Commercial Consideration % - Others
Cover for Specific Contents Sum Insured Textbox Number
Start up Expenses cover Sum Insured Textbox Number
Building Sum Insured Textbox Number
P&M Sum Insured Textbox Number
Furniture & Fixtures Sum Insured Textbox Number
Location Sum Insured - Contents Textbox Number
Stocks of Raw Material Sum Insured Textbox Number
Stocks of Finished Goods Sum Insured Textbox Number
Stocks of Work in Progress Sum Insured Textbox Number
Others Sum Insured Textbox Number
Location Sum Insured - Stocks Textbox Number
Location Sum Insured Textbox Number
TAC Occupancy Code Textbox Number
Fire Rate Textbox Number
STFI Rate Textbox Number
Earthquake (Fire and Shock) Zone Textbox Number
Earthquake (Fire and Shock) Rate Textbox Number
Fire Location Base Premium Textbox Number
STFI Location Base Premium Textbox Number
Earthquake Base Premium Textbox Number
Fire Location Tarrif Premium Textbox Number
STFI Location Tarrif Premium Textbox Number
EQ Location Tarrif Premium Textbox Number
Location Tarrif Premium Textbox Number
Discount inlieu of Commission Textbox Number
Fire protection device adjustment Textbox Number
Type of Construction adjsutment Textbox Number
Age of Building adjustment Textbox Number
Fire Brigade Adjustment Textbox Number
Location of Business Adjustment Textbox Number
Claims experience Adjustment Textbox Number
AMC adjustment Textbox Number
Inspection Feedback adjustment Textbox Number
FLEXA adjustment Textbox Number
FLEXA adjustment limit Textbox Number
STFI & Earthquake (Fire and Shock) Adjustment Textbox Number
STFI & Earthquake (Fire and Shock) Adjustment li Textbox Number
Location Standard Fire and special Textbox Number
perils cover unadjusted premium
Location STFI cover unadjusted premium Textbox Number
Location Earthquake (Fire and Shock) Textbox Number
cover unadjusted premium
Location Unadjusted Premium Textbox Number
Location Minimum Premium Textbox Number
perils cover Minimum premium
Location STFI cover minimum Textbox Number
premium
cover minimum premium
Location Rate Textbox Number
Location Under Insurance waiver Textbox Number
cover undajusted premium
Location Excess cover unadjusted Textbox Number
premium
Location Spontaneous Combustion Textbox Number
Location Theft within 7 days cover Textbox Number
undajusted premium
Location Forest Fire cover undajusted Textbox Number
premium
Location Enhancement of Cover Textbox Number
undajusted premium
Textbox Number
Location Additions, alterations or
extensions cover undajusted premium
Location Temporary removal of Textbox Number
stocks cover undajusted premium
Location Cover for Specific contents premium Textbox Number
Location Start-Up Expenses cover undajusted pr Textbox Number
Location Professional fees (Upto 5 % Textbox Number
of the claim amount) cover premium
Location Cost of Removal Debris Textbox Number

(upto 2% of claim Amount) cover
unadjusted premium
Location Costs compelled by Textbox Number
Municipal Regulations cover
unadjusted premium
Location In-Built Addons unadjusted Textbox Number
premium
Location Terrorism cover unadjusted Textbox Number
premium
perils cover book premium
Location STFI cover book premium Textbox Number
cover book premium
Location Under Insurance waiver Textbox Number
cover book premium
Location Excess cover book premium Textbox Number
Location Spontaneous Combustion Textbox Number

cover book premium
Location Theft within 7 days cover Textbox Number
book premium
Location Forest Fire cover book Textbox Number
premium
Location Additions, alterations or Textbox Number
extensions cover book premium
Location Temporary removal of Textbox Number
stocks cover book premium
Location Cover for Specific contents book premiu Textbox Number
Location Start-Up Expenses cover book premium Textbox Number
Location Professional fees (Upto 5 % of the clai Textbox Number
Location Cost of Removal Debris (upto 2% of cla Textbox Number
Location Costs compelled by Municipal Regulatio Textbox Number
Location Terrorism cover book premium Textbox Number
Location Flexa Premium with enhancement Textbox Number
POLICY FIELDS DISPLAYED
Standard Fire and special perils cover book premium Number

STFI cover book premium Number
Earthquake (Fire and Shock) cover book premium Number
Under Insurance waiver cover book premium Number
Excess cover book premium Number
Spontaneous Combustion cover book premium Number
Theft within 7 days cover book premium Number
Forest Fire cover book premium Number
Additions, alterations or extensions Number
cover book premium
Temporary removal of stocks cover book premium Number
Cover for Specific contents book Number
premium
Start-Up Expenses cover book Number
premium
Professional fees (Upto 5 % of the claim amount) cover book premiu Number
Cost of Removal Debris (upto 2% of claim Amount) cover book premi Number
Costs compelled by Municipal Regulations cover book premium Number
Terrorism cover book premium Number
Floater Cover book premium Number
Final Premium Number
Gross Written Premium Number
Selection list options Default Value/ Formula Mandatory /
Optional
Mr,Mrs etc Mr. Optional
Mandatory
Optional
Optional
Mandatory
Pan,ServiceTaxRegistrationNumb
er,TanNumber
Mandatory
Married,Others,Single Optional
Indian,Others Indian Mandatory
Graduate,Matriculate,Non- Optional
Matriculate,Post-
Graduate,Professional
Optional
Active, Suspended etc Active

Yes,No No Mandatory
Mandatory
Optional
Optional
Cuurent Cuurent Mandatory

Email,Paper Mail,Phone Mandatory
Cheque,EFT Mandatory
Mandatory
Mandatory
Autopopulated by searching for Mandatory
Pin Code
Pin Code
Pin Code
Pin Code
Pin Code
Search feature in Ebao GS Mandatory
Employee,HNI and Mandatory
Employee,HNI
Create EIA,Existing EIA Optional
Conditional
Conditional
CAMS,CSDL,KARVY,NSDL, Conditional
Mandatory
Mandatory
Mandatory
Optional
Pan,ServiceTaxRegistrationNumb Optional
er,TanNumber
Optional
Optional
Optional
State Master Optional
Active, Suspended etc Active Optional
Optional
Optional
Optional
Optional
Optional
Mandatory
Mandatory

Pin Code
Pin Code
Pin Code
Pin Code
Pin Code
Employee,HNI and Mandatory

Employee,HNI
No,Yes Mandatory
Financier Information Repeating Grid will appear only if "Is any Financial Party Involved?" is Ye
No,Yes Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Optional
Hire Purchase, Hypothecation, Optional
Lease
Optional
New, Renewal, Roll-over New Mandatory

FIRSP01 Mandatory
BSUS01 Please select Mandatory
From Sub Product Type - Mandatory

UIN Code Table
On Selection of BSUS01 - Popup Message to appear with the description " All Location Sum Insured Should be less th
of BLUS01 - Popup Message to appear with the description " All Location Sum Insured Should be less than or equal to 50 Cr and any on
On Selection of FIRSP01 - Popup Message to appear with the description " Any one location Sum insured should be
Sub Product Type should be editable after adding locations, and cover types
System Date Mandatory
00:00 Mandatory
Policy End Date = Policy Start Mandatory
Date + 1 year;
Example:
Policy Start Date = 4 March
2021 ; Policy End Date = 3
March 2022;
Policy Start Date = 1 April
2021 Policy End Date = 31
March 2022;
Policy Start Date = 1 March
2021 Policy End Date = 28
Feb 2022;
Policy Start Date = 1 Jan 2021
Policy End Date = 31 Dec
2021;
23:59 Mandatory
(Policy End Date - Policy Start Mandatory
Date)/30
Policy Start Date = 1 Feb
2021; Policy End Date = 5
Jul2021; Months = (5 Jul
2021 - 1 Feb 2021 +1 )/30
No,Yes Mandatory
Conditional if POS Agent Policy is Yes

Autopopulated Conditional if POS Agent Policy is Yes
Autopopulated Mandatory
Autopopulated Conditional if POS Agent Policy is Yes

Only Floater/ Floater Please select Mandatory
Declaration,
Mandatory Location and
Optional Floater/Floater
Declaration
Yes,No Mandatory
Sum of the claimed amount Optional
in the previous insurance
details table
Previous Insurance details Repeating Grid will appear only if previous insurance is yes
Mandatory
Optional
Optional
Optional
Optional
Optional
Yes,No Mandatory
Concurrent details Repeating Grid will appear only if concurrent insurance is yes
Conditional if Whether You have insured

the same property with any other
Insurance Company with the same type of
coverage? Is Y

coverage? Is Y

coverage? Is Y

coverage? Is Y
Direct SBI Mandatory

SBI
Broker
Corporate Agent
Individual Agent
Dealer
Autopopulated Optional
Optional
Optional
Optional
Number of Location Insured Mandatory
Objects other than Floater
Location Insured Object +
Count of (Floater Location
Pincodes)
Risk accepted,Risk declined
Yes,No
Yes,No
Yes,No
Yes,No No Mandatory
Conditional if Whether Insurance was

declined by any other Company? Is Yes
For BSUS01 5000; For Mandatory

BLUS01 Excess of 5 % of each
claim, subject to a minimum
of ₹ 10,000 ( Rupees Ten
Thousand)
Autopopulated Auto populated from TAC Mandatory

Occupancy Code -
Occupance Description
Master
Autopopulated Mandatory
Loading Please select Optional

0 COnditional if Commercial Consideration -
Others = "Loading"
COnditional if Commercial Consideration -
Others = "Loading"
Yes,No Yes Mandatory
100 Mandatory
Autopopulated Auto populated. PML Value = Optional

Standard Fire and Special
Perils Cover SI * PML %
Yes,No Please select Mandatory
Floater cover can be added only "if the Is floater cover opted in this location is Yes"
Grid to enter multiple location details for Floater, will appear only if CT - Floater is selected
Mandatory
Mandatory
Mandatory
From Pin Code -EQ Zone - Mandatory
Master
From EQ Rates Table Mandatory
MAX(EQ Rate) in the Floater Mandatory

Location Details Grid
Mandatory
Yes,No Mandatory
Optional
Conditional if CT - Floater is present
Conditional if CT - Floater is present
Yes,No Mandatory
Sum of Benefit SI ( Raw Mandatory
Material, Work in Progress,
Finished Goods)
Optional
Sum of Benefit SI ( Raw Conditional if CT - Declaration Policy on

Material, Work in Progress, Stocks is present
Finished Goods)
Conditional if CT - Declaration Policy on

Stocks is present
Multi Location Insured Object
Autopopulated
Mandatory
Mandatory
Mandatory
Pin Code
Pin Code

Pin Code
Optional
Higher Floor (H) Conditional Mandatory , If (Is floater cover

opted in this location is "No" and Type of
Policy is Mandatory Location and Optional
Floater/Floater Declaration") or Type of
Policy is "Only Floater/ Floater Declaration
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
50000 Mandatory
Mandatory
50000 Mandatory
Mandatory
500000 Mandatory
Mandatory
300000 Mandatory
Mandatory
Sub Product type BSUS01 Mandatory
100000; Sub Product type
BLUS01 500000
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Mandatory
Code Table Mandatory
Yes,No No Conditional Mandatory , If (Is floater cover

SEARCH FEATURE (fuzzy search) Conditional Mandatory , If (Is floater cover
Autopopulated from TAC Conditional Mandatory , If (Is floater cover

Occupancy Code - Occupancy opted in this location is "No" and Type of
Description Master Policy is Mandatory Location and Optional
Yes, No No Optional
Yes, No Yes Optional
Conditional if Industrial / Manufacturing

risks is Yes
Yes, No Please select Conditional if Industrial / Manufacturing

risks is Yes
Yes, No No Optional
Conditional if Storage outside Industrial/

Manufacturing risks is Yes
Yes, No No Optional
Yes, No No Optional
Yes, No No Optional
Yes, No No Optional
Portable Extinguishers Please select Conditional Mandatory , If (Is floater cover
Conditional If (Is floater cover opted in

this location is "No" and Type of Policy is
Yes Please select Conditional Mandatory
Policy is "Only , If (Is floater
Floater/ Floater cover
Declaration
opted
and if Fire Protection devices installed isof
in this location is "No" and Type
"Others"
Kutcha Please select Policy is "Only
Conditional Floater/ Floater
Mandatory Declaration
, If (Is floater cover
Kutcha Please select Floater/Floater Declaration")
Conditional Mandatory , If (Isor Type cover
floater of
Kutcha Please select Floater/Floater
Conditional Declaration")
Mandatory , If (Isor Type cover
floater of
Policy
opted is
in "Only Floater/isFloater
this location "No" and Declaration
Type of
Policy is "Only
Conditional Floater/ Floater
Mandatory Declaration
, If (Is floater cover
5-10 years Please select Policy is Mandatory
Conditional MandatoryLocation
, If (Isand Optional
floater cover
Floater/Floater
opted Declaration")
in this location is "No" andor Type
Typeofof
5-7.5 kms Please select Policy
Policy is Mandatory
is "Only
Conditional Floater/
Mandatory Floater
Location Declaration
floater cover
Floater/Floater
opted in this location is "No" and Typeofof
Declaration") or Type
Policy is
Policy is Mandatory
"Only Floater/ Floaterand
Optional
No inspection requirement Please select Conditional Mandatory , If (Is floater cover
Yes Please select Conditional Mandatory , If (Is floater cover

Yes Please select Conditional Mandatory If (Is floater cover
and if Do You Have Claim Details? is Yes
Sum of Premium in Claim Optional
Details Grid
Sum of Claim Amount in Optional
Claim Details Grid
Total Claim/ Total Premium Optional
e Do you have claim Details is Yes, and only three rows can be added (If New Biz Classification is New, then Premium / Claim details for
Conditional Mandatory , If (Is floater cover
1 Conditional Mandatory
Floater/Floater , If (Isor
Declaration") floater
Type cover
of
opted in "Only
Policy is this location
Floater/isFloater
"No" and Type of
Declaration
0 Policy is Mandatory
Conditional MandatoryLocation
floater cover
Floater/Floater
opted in this location is "No" and Typeofof
Declaration") or Type
Policy
Policy is
is "Only Floater/
Mandatory Floaterand
Optional
Mandatory
Mandatory
Benefit Sum Insured to grid to capture the benefits of Standard Fire and Special Perils Cover
Benefit Type Master : Building; Mandatory

Plant & Machinery; Furniture,
Fixture & Fittings; Stocks of Raw
Material; Stock of Finished
Goods; Stocks of Work in
Progress; Other items to be
specifially covered ;
From Master Optional

Yes, No Optional
Yes, No Optional
Mandatory
Reinstatement /Replacement Default Reinstatement Mandatory

Value /Replacement Value


Landed Cost at Your Premises Default Landed Cost at Your Mandatory

Premises
Input Cost of the stock at the Default Input Cost of the Mandatory
time of damage stock at the time of damage
Manufacturing Cost of the Default Manufacturing Cost Mandatory

finished stock or the Contract of the finished stock or the
Price of goods sold but not Contract Price of goods sold
delivered but not delivered
Yes,No Optional
Optional
4-7 storeys Please Select Conditional " If Building is selected do you
wish to insure the whole building = Yes"
0-10 years Computed from Year Of Optional

Building Construction
Please Select Optional
Ground Please Select Optional
AC Sheet/Metallic Sheet/ Please Select Optional

Tile/Glass Panel/Fibre reinforced
plastic
Tiles Please Select Optional
Brick/Stone/Hollow cement brick Please Select Optional

blocks
Optional
Yes,No Optional
Self Valuation Please Select Optional
Owner and Occupier Please Select Optional
Optional
2 Optional
Yes,No Conditional if Stocks of Raw Material,

Stock of Finished Goods, Stocks of Work in
Progress are Selected
Conditional if Do you store stock in the
open? Is Yes
LOCATION FIELDS DISPLAYED IN QUOTE
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
POLICY FIELDS DISPLAYED IN QUOTE and POLICY QUERY
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
FMS Mandatory
Readonly/ Dependency
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Readonly
Readonly
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Readonly
Editable
Editable
Editable
Editable If
EIARequireme
nt = Existing
EIA
Editable If
EIARequireme
nt = Create EIA
Editable If
EIARequireme
nt = Create EIA
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Readonly
Readonly
Readonly
Readonly
Readonly
Editable
Editable
ial Party Involved?" is Yes
Readonly
Editable (Sub Product Type will stored, description
should appear in Front End)
Readonly
Insured Should be less than or equal to 5 Cr"

equal to 50 Cr and any one location Sum insured should be greater than 5 Cr"
n Sum insured should be greater than 50 Cr"
and cover types
Editable
Editable
Editable
Read Only
Read Only
Editable
Editable
Readonly
Readonly
Readonly
Editable
Editable
Readonly
ious insurance is yes

Editable
Editable
Editable
Editable
Editable
Editable
nt insurance is yes
Editable
Editable
Editable
Editable
Editable
Read only
Editable
Editable
Readonly
Editable in UW Referral Page
Read only
Read only
Editable (Search feature in Ebao GS to search for
the TAC occupancy code , search to display TAC
occupancy code and Occupancy Description for
user to select) ;
Read only
Read only
Read only
Editable
CT - Floater is selected
Readonly
Readonly
Readonly
Editable
Editable
Editable
Editable
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Readonly
Editable
1) Readonly if Occupancy same as Policy is Yes and
the Occupancy Code at Location will be equal to
Occupancy Code Policy
2)Editable if Occupancy same as Policy is No
(Search feature in Ebao GS to search for the TAC
occupancy code , search to display TAC occupancy
code and Occupancy Descriptoon for user to select)
Read only
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
1) Editable for Ebao GS

2) For InsureMO default "No Inspection" as per the
Risk Inspection Matrix; if the SI Band and RG
requires Risk Inpsection then UW referral is
triggered
emium / Claim details for the past 36 months excluding the expiring policy period grid should not appear
Editable
Editable
Editable
Readonly
Readonly
and Special Perils Cover
Editable if Stocks, Stocks in Open, Stocks of Raw

Material, Stock of Finished Goods, Stocks of Work
in Progress, Stocks of Packing Material,
Consumables and Spares, Other Stocks, are
Selected
Selected

Selected
Editable
Readonly
Readonly
Readonly
Readonly
Readonly
Readonly
Editable
Editable
Editable
Readonly
Editable If Building is selected do you wish to insure

the whole building is NO
Editable If Building is selected do you wish to insure

the whole building is NO
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
Editable
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Other Rule Quick Quote Quick Quote Full Quote
Request Response Request
n 5 Cr"
1. Seven Days leverage is allowed for issuance of a back dated
quote & endorsement
2. 45 days is allowed for the issuance of a Future Dated
Endorsement & Quote
Fields related to Q23 will be enabled only when Floater is

selected
Maximum value at any one location <= Floater Cover Sum
Insured
One of the questions in Details of insured property should be
Yes

Yes

Yes

Yes

Yes

Yes

Yes
Claims Ratio is eqaul to "No information" if the Do you have
claim details is NO, to find the Loading / Discount for "Claims
experience for past 36 months" rate table
Do you have claim details is Yes, then Premium should be
greater than 1, and Claim should be gretaer than eqaul to "0"
in 2020-21
Do you have claim details is No, then Premium / Claim details
for the past 36 months excluding the expiring policy period
grid should not appear
olicy period grid should not appear
Premium Value should be greater than or equal to 1

Full Quote Field to be
Response displayed on the
screen (Yes/No)
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
Yes
Yes
No
No
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
Yes
UI fields for Declaration Page No.142/801
DECLARATION CUSTOMIZATION for NON FLOATER LOCATION AND FLOATER LOCATIONS

Type of Policy (Only Floater/ Floater Declaration, Mandatory Location and Optional Floater/Floater Declaration)
Required Default Mandatory / Value Source Name Readonly/ Field to be displayed on the
Required System Label Widget Type Format Selection list options Dependency Other Rule Field Level
Screen Name Value Optional ( Code Table ) Editable screen (Yes/No)
1. If the Policy is not pertaining to Fire Declaration or Floater

Declaration then system should raise a message "Policy
Policy Number Search Field Number Mandatory Manual Editable number entered is not pertaining to Fire Floater and Fire Policy Yes
Declaration.
2. User should enter the total Policy Number in search field
Policy Info
Policy Number Text Number Mandatory System Read Only Autopopulate Policy Yes
Customer ID Text Number Mandatory System Read Only Autopopulate Policy Yes
Insured Name Text Character Mandatory System Read Only Autopopulate Policy Yes
Period Of Insurance
Policy Start Date Date DD/MM/YYYY Mandatory System Read Only Autopopulate Policy Yes
Policy End Date Date DD/MM/YYYY Mandatory System Read Only Autopopulate Policy Yes
Location Sum Insured Details (GRID - List of all locations with
Declaration Cover)
Location ID Text Character Mandatory System Read Only Autopopulate Policy Yes
System should default the total of all Location Sum Insured to
Location Sum Insured to be considered (Average) Text Number 0.00 Mandatory System Read Only Policy Yes
be considered (Average)
Declaration Details (Grid Format)
From Date Date DD/MM/YYYY Mandatory System Read Only Policy Yes
To Date Date DD/MM/YYYY Mandatory System Read Only Policy Yes
January
February
March
April
May
June
Declaration Month Dropdown List Character Mandatory System Read Only Policy Yes
July
August
September
October
November
December
Location ID Text Character Mandatory System Read-only

Receipt Date Date DD/MM/YYYY Optional System Read Only Policy Yes
Customer Declared Sum Insured - Location Text Number 0.00 Mandatory System Read Only
Sum Insured to be considered - Location Text Number 0.00 Mandatory System Read Only
Total Customer Declared Sum Insured Text Number 0.00 Mandatory System Read Only Policy Yes
Total Sum Insured to be considered Text Number 0.00 Mandatory System Read Only Policy Yes
Location Details (Grid Format)
Drop down list of locations where Declaration
Location ID Text LOV Mandatory Manual Editable Autopopulate Location Yes
Cover is Selected in the Policy
System should generate using the logic "Policy No -L
Declaration Number Text Character Mandatory System Read Only (Sequence Number) - D - Running Sequence Number starting Location Yes
with 1"
Floor Number/Plot Number Text Character Fetched based on the selected Location ID Mandatory System Read Only Autopopulate Location Yes
Building Name Text Character Fetched based on the selected Location ID Mandatory System Read Only Autopopulate Location Yes
Street Name Text Character Fetched based on the selected Location ID Mandatory System Read Only Autopopulate Location Yes
Locality Text Character Fetched based on the selected Location ID Mandatory System Read Only Autopopulate Location Yes
Pincode Text Number Fetched based on the selected Location ID Mandatory System Read Only Autopopulate Location Yes
City Text Character Fetched based on the selected Location ID Mandatory System Read Only Autopopulate Location Yes
State Text Character Fetched based on the selected Location ID Mandatory System Read Only Autopopulate Location Yes
Receipt Date Date DD/MM/YYYY Optional Manual Editable Location Yes
System
Data Entry Date Date DD/MM/YYYY Mandatory System Read Only Location Yes
date
Asset Description/Additional Remarks Text Character Mandatory Manual Editable Location Yes
Stocks Sum Insured fetched based on the
Location Sum Insured Text Number Mandatory System Read Only System should default the Location Sum Insured Location Yes
selected Location
Location Customer Declared Sum Insured Text Number Mandatory Manual Editable Location Yes
Location Sum Insured to be considered Text Number Mandatory System Read Only min (Customer Declared value, Policy Sum Insured) Location Yes
584621674.xls Ver.No.2.0
Sno
5
6
2
3
5
6
10
11
12
13
14
15
16
17
Name of the Customization
Location ID - Should be a dropdown list of all locations with Declaration cover, one of the locations will be selected by the u
Declaration Number, address details , "Location Sum Insured" and "Sum Insured to be considered" will be auto populated
Non Floater Location - Declaration Number - System should generate using the logic "Policy No -L (Sequence Number) - D
Sequence Number starting with 1"
Floater Location - Declaration Number - System should generate using the logic "Policy No - D - Running Sequence Numbe
System should not allow to declare more than 12 declarations
For Non Floater Location - Location Sum Insured - Location Sum Insured - Should display the Location Sum insured - St
exists On the End Date of the particular declaration Month for each Location with Declaration Cover
For Floater Location - Location Sum Insured - Should display the Floater Cover SI of the location which exists On the End
particular declaration Month for Floater Location with Declaration Cover
Customer Declared Sum Insured - User entered field
Foe Non Floater Location or Floater Location - Sum Insured to be considered - This should be Minimum of Location Sum I
Customer Declared sum Insured
Declaration - Submit Button - This button should Save all the Information that is entered in the system, provided all the man
is entered. If Not, need to raise a message for the user to enter that information.
Declaration - Exit Button - This button should Exit from the system. If any data is entered and not Saved then need to raise
"Declaration Entered is not Saved", Do You want to Save the data . There should be Yes and No button. If Yes then save th
all the mandatory Information is entered) and exit from the system
1. If the Policy is not pertaining to Non Floater Location Declaration or Floater Location Declaration then system should cre
"Policy number entered is not pertaining to Non Floater Location Declaration or Floater Declaration .
2. User should enter the entire Policy Number in search field
When Search Button is pressed, system needs to navigate to a different page with the necessary fields auto-populated as d
for Declaration and UI fields for Floater Declaration
Policy Sum Insured - Policy Sum Insured should display the Policy Sum insured which exists On the End Date of the particu
Month
Non Floater Location - Sum Insured to be considered Average - System should calculate the Average of "Sum Insured to b
that particular location, till the month; GRID Should be populated with location ID in case of multiple locations with location
Insued to be considered Average as columns
Floater Location - Sum Insured to be considered (Average) - System should calculate the Average Sum Insured of the "Su
considered" till the declared month
Location ID - This should be location ID pertaining to the policy (readonly)
From date - This should be the Policy Start Date for the first Declaration and for the subsequent declarations it will be the n
End Date
To date - This should be the 30 days from the From date and for last declarations it will be 35/36 days(Leap Year) from the
Declaration Month - This will be month of the policy start date for the first declaration and for next declarations it will be sub
Sum Insured to be considered - Location - This is the Location Total Sum Insured to be considered for that specific Month
Insured to be considered field in the Declaration Details Page)
Customer Declared Sum Insured - Location - This is the Location Customer Declared Sum Insured for that specific Month
"Customer Declared Sum Insured" Declaration Details Page)
Declaration - Total Customer Declared Sum Insured - This is the addition of all the Locations total Customer Declared Sum
specific Month
Declaration - Total Sum Insured to be considered - This is the addition of all the Locations Total Sum Insured to be conside
specific Month
Declaration - Add Declaration Button - This button Should navigate to location page where all the locations details info is au
Declaration - Update Declaration Button - This button should allow the user to Update for all the Declarations done till date
Declaration - Submit Button - This button should Save all the Information that is entered in the system, provided all the man
is entered. If Not, need to raise a message for the user to enter that information.
Declaration - Exit Button - This button should Exit from the system. If any data is entered and not Saved then need to raise
"Declaration Entered is not Saved", Do You want to Save the data . There should be Yes and No button. If Yes then save th
all the mandatory Information is entered) and exit from the system
Type of Policy
Only Floater/ Floater Declaration

Floater/Declaration/ Floater
Declaration
Direct Discount Master
Sales Channel Code Sales Channel Name Agreement Code

SBI General Insurance Direct
61174 Code 144892
56229 SBIG Direct Corporate 134410

56094 SBIG Digital Direct 133710
56077 SBIG Direct SME 133669
Terrorism Excess in Rs
Type of Risk Percentage of Claim Minimum Value
Shops
&. Residential Risks 1% 10,000
Non-lndustria[ Risks 1% 25,000
lndustrial Risks 5% 100,000
Fire Protection Device

Portable Extinguishers
Small bore hose reels
Trailer Pumps/Fire engines
Hydrant System
Sprinkler System
Fixed Water Spray System
Foam System
Fire Alarm System
Gas Flooding System
Others
No Protection
Type of Construction
Kutcha
Pucca
Age of the Building

Less than 5 years
5-10 years
10-20 years
Above 20 years
Distance between the risk to be

covered and nearest Fire Brigade
Less than 5 Kms
5-7.5 kms
Above 7.5kms
Inspecton Feedback
Risk Satisfactory
Risk Not Satisfactory
No inspection requirement
Floor
Basement
Ground Floor (GF)
Mezzanine Floor (MF)
Higher Floor (H)
Ownership
Owner
Owner and Occupier
Tenant
Property Valuation
Self Valuation
Professional Valuation
Type of Wall construction

RCC
Brick/Stone/Hollow cement brick blocks
Metal Sheet/AC Sheet/ Glass Panel
Canvas/ Tarpaulin/ Thatched
Leaves/ Wood
Type of Roof construction
RCC
AC Sheet/Metallic Sheet/
Tile/Glass Panel/Fibre reinforced
plastic
Canvas/ Tarpaulin/ Thatched

Leaves/ Wood
Type of Floor Construction

RCC
Tiles
Wood
Floor Level
Basement
Ground
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
above 20
No of Floors
1-3 storeys
4-7 storeys
8-11 storeys
12-15 storeys
16-25 storeys
26-30 storeys
31-40 storeys
41-50 storeys
51-60 storeys
>60 storeys
Age of Building
0-10 years
11 to 30 years
30 years +
Basis of Settlement
Reinstatement /Replacement
Value
Landed Cost at Your Premises
Input Cost of the stock at the
time of damage
Manufacturing Cost of the

finished stock or the Contract
Price of goods sold but not
delivered
Market Value
Extent of the loss of such Partial
Loss
Cost of repairs
Risk Accepted Status

Risk accepted
Risk declined
Sub Product Type - UIN

Sub Product Type Description UIN
BSUS01 Bharat Sookshma Udyam Policy IRDAN144RP0030V01202021

BLUS01 Bharat Laghu Udyam Policy IRDAN144RP0031V01202021
SFSP Standard Fire and Special Perils IRDAN144CP0028V04201819
TAC Occupancy - Occupancy Description - Risk Grade - Industry Classification Code Table
TAC Occupancy Code Occupancy Description Risk Grade
1001_2 Dwellings: Cooperative Society RG2

1002 Places of worships RG5
1003 Libraries RG2
1004 Museums RG5
1005 Schools / Colleges RG2
Hospitals including X-ray and
1006 other Diagnostic clinics RG4
Office premises / Meeting
1007 Rooms RG3
1008 Auditoriums / Planetarium RG5
1009 Mess Houses / Clubs RG4
1010 Marriage Halls RG4
Showrooms and display

centres where goods are kept
for display and no sales are
1011 carried out RG4
Educational and Research

Institutes imparting training in
1012 various crafts RG4
1013 Lodging/Boarding Houses RG3
1014 Cycle Shed RG4
1015 Dish Antenna RG4
Indoor stadiums, Health Club,

Gymnasium and Swimming
1016 Pool RG3
Cafes, Restaurants, Hotels,

Confectioner and Sweet meat
1017 sellers, Health Resorts RG5
1018 Laundries / Dry Cleaning RG4
Battery Charging Service
1019 Stations RG5
1020 Amusement parks RG4
1021 Hoarding, Neon signs RG4
Sports Galleries, Outdoor
1022 stadiums. RG4
Shops dealing in goods
1023 otherwise not provided for RG4
Shops dealing in hazardous
1024 goods RG7
1025 Arms and Ammunition dealers RG9

Motor Vehicle showroom
1026 including sales and service RG5
Fuel Station- Petrol / Diesel
1027 Kiosks (without CNG) RG4
Fuel Station- Petrol / Diesel
1028 Kiosks (with CNG) RG4
Data Processing/Call
Centres/Business Process
1029 Outsourcing Centres RG4
2001 Abrasive Manufacturing RG3
2002 Aerated Water Factories RG3
Aerial Ropeway including
2003 trolley stations RG5
2004 Agarbatti manufacturing RG7
2005 Aircraft Hangers RG6
Airport Terminal Buildings

(including all facilities like
2006 Cafes, Shops etc) RG4
Aluminium/ Magnesium
2007 Powder Plants RG8
Aluminium, Zinc, Copper
2008 Factories RG7
Areca nut and/or Betel nut
2009 factories RG5
Asbestos Steam Packing and
2010 lagging manufacturing RG5
Atta and Cereal Grinding
2011 (excluding Dal Mills) RG5
Audio/Video Cassette
2012 Manufacturing RG6
2013 Automobile Manufacturing RG7
2014 Bakeries RG4
Basket Weavers and Cane
2015 Furniture Makers RG6
2016 Battery Manufacturing RG7
2017 Beedi Factories RG7
2018 Biscuit Factories RG5
Bituminised Paper and / or

Hessian Cloth Manufacturing
including Tar Felt
2019 Manufacturing. RG6
Book Binders, Envelope and
2020 Paper Bag Manufacturing RG5
2021 Breweries RG6
Brickworks (including
2022 refractories and fire bricks) RG4
Bridges - Concrete/Steel,
2023 /Culverts/Tunnels RG9
2024 Bridges-Wooden RG9
Building In course of
2025 construction RG4
2026 Cable Manufacturing RG6
2027 Camphor Manufacturing RG7
2028 Candle Works RG7
2029 Canning Factories RG4
2030 Capsule Manufacturing RG8
Carbon paper / Typewriter
2031 Ribbon Manufacturing RG6
2032 Cardamom Factories RG7
2033 Cardboard Box Manufacturing RG7
Carpenters, Wood wool

Manufacturing, Furniture
Manufacturing and other wood
worker shops (excluding saw
2034 mill) RG6
Carpet and Drugget

Manufacturing
2035 (Cotton/jute/wool) RG7
Carpet and Drugget
2036 Manufacturing (Others) RG7
2037 Cashew nut Factories RG5
2038 Cattle feed Mill RG4
2039 Celluloid Goods Manufacturing RG9
Cement / asbestos/concrete
2040 products Manufacturing RG5
2041 Cement Factories RG5
Ceramic Factories and Crockery

and Stoneware pipe
2042 Manufacturing/Clay Works. RG4
Chemical Manufacturing (Using

materials with Flash Point
below 32 Deg C), Bulk Drug
Chemical
Manufacturing(others),
Pharmaceuticals, Toiletry
2044 products RG8
Cigar and Cigarette
Cigarette Filter Manufacturing

(Using Solvents with Flash
2046 Point below 320 C) RG8
Cigarette Filter Manufacturing
2047 (Others) RG7
Cinema Film Production
2048 Studios RG5
Cinematography Film Editing,

Laboratory and Sound
recording rooms where Film
2049 processing is carried out RG5
Cinematography Film Editing,

Laboratory and Sound
recording rooms without Film
2050 processing. RG5
Cinema Theatres (For single
2051 screen) RG5
Circus, Touring Drama Troupes

2052 and Touring Cinema Theatres RG9
Cloth Processing units situated
outside the compound of
Textile mills and Cloth
processing units which are not
owned by the textile mills but
are situated within the textile
2053 mills complex/compound. RG8
Coal/Coke/Charcoal ball and

2054 briquettes Manufacturing RG8
2055 Coal Processing Plants RG8
Coffee Curing, Roasting /
2056 Grinding RG4
2057 Coir Factories RG7
Collieries - underground
Machinery and pit head gear
and Dragline Machine used in
2058 Collieries RG9
Condensed Milk Factories, Milk

2059 Pasteurising Plants and Dairies RG5
Confectionery Manufacturing
Plants/Sugar Candy
Manufacturing Plants/Sweet
2060 Meat Manufacturing Plants RG5
Contractors Plant and

Machinery - At one location
2061 only RG6
2062 Cork Products Manufacturing RG8
2063 Cotton Gin and Press Houses RG9

Cotton Seed cleaning /
2064 Delinting Factory RG7
2065 Dehydration Factories RG4
Detergent Manufacturing with
2066 Sulphonation Plant RG6
Detergent Manufacturing
2067 (Others) RG6
2068 Distilleries RG8
Duplicating/stencil paper
Electric Generation Stations -
2070 Hydro Power stations RG9
Electric Lamp /T.V. Picture
2071 Tube Manufacturing RG6
Electronic Goods
2072 Manufacturing /Assembly RG6
Electronic Software
Parks/Electronic Software
2073 Development Units RG5
2074 Enamel-ware factories RG6
Engineering Workshop -
Structural Steel fabricators,
2075 Sheet Metal fabricators RG4
Engineering Workshop
(Others), Motor Vehicle
2076 Garages RG6
2077 Exhibitions, Fetes, Mandaps. RG9
2078 Explosives / Blasting Factories RG9
Fertiliser Manufacturing (other

than those rateable under
2079 Petrochemical Tariff) RG8
Filter and wax paper
2081 Fireworks Manufacturing RG9
2082 Flax / Hemp Mills RG7
2083 Flour Mills RG6
Foamed Plastics Manufacturing

2084 and / or converting plants RG8
2085 Foam Rubber Manufacturing RG8
2086 French Polish Manufacturing RG7
Fruit and vegetable

2087 drying/dehydrating factories RG4
Fruit products and Condiment

Factories (including fruit pulp
2088 making) RG4
Garment Makers, Topee, Hats
2089 and the like makers RG7
Ghee Factories including
2090 vegetable Ghee mfg. RG6
2091 Glass Fibre Manufacturing RG5
2092 Glass wool Manufacturing RG5
Glass
Manufacturing/Automobile
2093 Glass Manufacturing RG5
Gold thread factories / Gilding
2094 factories RG4
Granite Factories using
2095 inflammable solvents RG8
2096 Granite Factories (Others) RG5
Graphite electrode
Grain/seeds
disintegrating/crushing/
Decorticating factories/ Dal
2098 mills. RG7
2099 Grease / Wax Manufacturing RG6

Green Houses/ Algae/ Spirulina
2100 and the like RG8
Gum/Glue/Gelatine
2102 Gypsum board manufacturer RG5
Hosiery, lace,
2103 Embroidery/Thread factories RG7
Ice candy and Ice cream
2105 Ice factories RG5
Incandescent Gas mantle
Industrial Diamonds
2108 Industrial Gas Manufacturing RG7

Ink (excluding printing ink)
2110 Jaggery Manufacturing RG4
2111 Jute Mills RG9
2112 Katha Manufacturing RG6
2113 Khandsari Sugar Manufacturing RG6

2114 Lac or Shellac Factories RG6
2115 Leather Cloth Factories RG7
Leather Goods Manufacturing

2116 (incl. boot/shoe) RG7
2117 Lime Kiln RG4
2118 Lithographic presses RG7
Liquefied Gas
2119 Bottling/Recovery Plants RG8
2120 Malt Extraction Plants RG7
Man-made Fibre
Manufacturing (using
2121 Cellulose) RG8
Man-made Fibre
2122 Manufacturing Plant (Others) RG8
2123 Manure Blending works RG4
2124 Match Factories RG9
2125 Mattress and Pillow making RG8
Metallizing works (involving
2126 metals only) RG7
2127 Metallizing Works (others) RG7
2128 Metal/Tin printers RG6
2129 Mica Products Manufacturing RG4

Mineral Oil blending and
2130 processing RG6
2131 Mosaic Factories RG4
Mushroom Growing Premises
2132 (Excluding Crops) RG7
Nitro Cellulose Manufacturing -

2133 Industrial Grade RG9
Non-woven fabric
2135 Oil Extraction RG8
2136 Oil Distillation Plants (essential) RG8
2137 Oil Mills refining (Veg/Animal) RG6

2138 Oil Mills (Vegetable) RG6
2139 Oil and Leather Cloth Factories RG7
2140 Paint factories (Water based) RG8

Paint (others) and Varnish
2141 Factories RG8
2142 Paints - Nitrocellulose based RG9

2143 Pan Masala making RG6
Paper and Cardboard Mills
2144 (including Lamination) RG7
2145 Particle Board Manufacturing RG6

2146 Pencil Manufacturing RG5
2147 Petroleum Coke Calcination RG8
Plastic Goods Manufacturing
(excluding Foam Plastics)/ I.
Using Plastic raw materials
having calorific value upto
2148 15,000 btu/lb RG8
Plywood / Wood veneering

2149 Factories/ Laminating Factories RG7
Polyester Film Manufacturing /

2150 BOPP Film Manufacturing RG7
Port Premises including jetties

and equipment thereon and
2151 other port facilities RG6
Poultry Farms (Excluding birds
2152 therein) RG7
Presses for coir

fibres/waste/Grass/fodder/boo
2153 sa/Jute RG7
Presses for coir yarn /
2154 cotton/senna leaves RG7
Presses for carpets, rugs and
2155 tobacco RG7
2156 Presses for hides and skins RG6
Printing Ink Manufacturing /

2157 Roller composition factories RG7
2158 Printing Press RG6
Pulverising Plants(Metals and
2159 non-hazardous goods) RG4
2160 Pulverizing Plants (Others) RG5
2161 Rice Mills RG7
2162 Rice Polishing Units RG6
Rope works (Plastic),

Assembling of Plastic Goods
2163 such as Toys and the like RG7
2164 Rope Works (others) RG7
2165 Rubber Factories RG8
Rubber Goods Mfg with
2166 Spreading RG8
Rubber Goods Manufacturing

2167 without spreading RG8
Salt crushing Factories and
2168 Refineries RG3
Saw Mills (including Timber
Merchants premises where
2169 sawing is done). RG8
2170 Sea Food / Meat Processing RG5
2171 Silk Mills / Spun Silk Mills RG7
2172 Snuff Manufacturing RG7
2173 Soap Manufacturing RG5
2174 Sponge Iron Plants RG6
2175 Spray Painting, Powder coating RG8

2176 Stables (excluding animals) RG5
2177 Starch Factories RG4
2178 Stone quarries RG9
2180 Sugar factories RG6
2181 Surgical Cotton Manufacturing RG6

2183 Tanneries RG4
2184 Tapioca factories RG4
Tarpaulin and canvas proofing
2185 factories RG6
2186 Tea blending/packing factories RG6

2187 Tea Factories RG6
2188 Telephone Exchanges RG4
2189 Textile Mills - Spinning mills RG7

2190 Tile and Pottery works RG4
2191 Tiny sector Industries as per Government Notification
Tissue Culture Premises
2192 (Excluding Crops) RG6
Tobacco Curing / Redrying
2193 Factories RG7
Tobacco grinding/ crushing
2195 Turpentine and rosin distilleries RG8
2196 Tyres and Tubes Manufacturing RG7

Tyre Retreading and Resoling
2197 factories RG6
2198 Umbrella Assembly factories RG4

2199 Velvet Cloth Manufacturing RG6
2200 Vermicelli factories RG5
2201 Weigh Bridges RG2
2202 Weaving Mills RG6
2203 Wheat Threshers RG8
Wood seasoning/treatment/
2204 impregnation RG7
Wool cleaning and pressing
2205 factories RG7
Woollen Mills/Fur garments
2206 and accessories RG7
2207 Yarn Processing RG7
2208 Zip fasteners Manufacturing RG5
Contractors Plant and

Machinery anywhere in India
2209 (at specified locations) RG4
2210 Others RG7
2211 Textile Mills - Composite mills RG7

Automobile Filter
2213 Lignite Handling System RG8
Nitro Cellulose Manufacturing -
2214 Others RG9
2215 Pilot Plants
Plastic Goods Manufacturing

(excluding Foam Plastics)/II.
Using Plastic raw materials
having calorific value of above
2216 15000 btu/Ib RG8
2217 Thermal Power stations RG7
2218 Solar Power stations RG7
2219 Windmill RG7
2220 Nuclear Power Station RG9
2221 Biomass Power Stations RG6
Engineering Workshop - Steel
2222 Plants RG7
Engineering Workshop Rolling
2223 Mill RG5
Engineering Workshop Pipe

Extruding, Stamping, Pressing,
Forging Mills, Metal Smelting,
2224 Foundries, Galvanising Work RG5
Engineering Workshop Metal
Extraction, Ore Processing
(other than Aluminium,
Copper, Zinc), Plant processing
2225 Raw Sand into Silica RG7
Engineering Workshop- Ferro
2226 Plants RG7
Engineering Workshop Clock /

2227 Watch Manufacturing RG5
Engineering Workshop
2228 Manufacturing of Diamonds RG5
Multiplex Theatre Complexes /

2229 Shopping Malls with Multiplex RG5
Shopping Malls (other than
2230 Multiplexes) RG5
Disposable Diaper
2232 Sports Goods Manufacturing RG7

Analytical / Quality Control
3001 Laboratories RG4
3002 Boiler House RG4
3003 Dams RG9
Effluent /Sewage Treatment
3004 Plants RG5
Electric Sub-Stations, Loco
3005 Sheds RG8
Electric Transmission /
3006 Distribution Lines RG8
3007 Pipe lines (carrying water only) RG7

3008 Pipe lines (others) RG5
3009 Pump Houses (Water) RG3
3010 Pump Houses (Others) RG5
3011 Railway tracks RG9
Roads including assets like toll
3012 way, road assets etc. RG9
Water Treatment Plants /
3013 Water Tanks RG5
3014 Wireless Transmitting Stations RG5
Compressor Houses -
Compressors handling air, Inert
3015 Gas and CO2 RG5
Compressor Houses -
3016 Compressor (others) RG6
Boundary Walls - Made up of
3017 Combustible Material RG7
3018 Boundary Walls - Others RG5
3019 Electric Crematoriums RG3
Storage of Non-hazardous
goods subject to warranty that
hazardous goods of Category I,
II, III, Coir waste, Coir fibre and
Caddies are not stored therein.
(Materials stored in Godowns
4001 & Silos) RG4
Storage of Category I
hazardous Goods subject to
warranty that goods listed in
Category II, III, Coir waste, Coir
fibre and Caddies are not
stored therein. (Materials
4002 stored in Godowns & Silos) RG8
Storage of hazardous Goods

listed in Category II subject to
Category III, Coir waste, Coir
stored therein.(Materials

listed in Category III subject to
warranty that Coir waste, Coir
fibre and, Caddies are not
Transporter's Godowns and

Godowns of clearing and
forwarding agents. (Materials
Storage of Coir Waste, Coir

Fibre, Caddies (Materials
4007 Cold Storage premises RG8
Gas Holders/ Bullets/spheres
and storages for liquefied gases
except for Nitrogen, Carbon
4008 dioxide and inert gases RG8
Gas Holders/ Vessels for

Nitrogen, Carbon dioxide and
4009 inert gases RG7
Tanks containing liquids
4010 flashing at 320 C and below RG8
4011 Tanks (others) RG7
Storage of Non-hazardous
goods subject to warranty that
hazardous goods of Category I,
II, III, Coir waste, Coir fibre and
Caddies are not stored therein.
4012 (Materials stored in Open) RG4
Storage of Category I
hazardous Goods subject to
Category II, III, Coir waste, Coir
stored therein.(Materials
4013 stored in Open) RG8

listed in Category II subject to
Category III, Coir waste, Coir

listed in Category III subject to
warranty that Coir waste, Coir
fibre and, Caddies are not
Transporter's Godowns and

forwarding agents. (Materials
Storage of Coir Waste, Coir

Fibre, Caddies (Materials
4018 Bus Terminus RG4
Vehicles stored in Open
4019 Including Tractors RG5
4900 Silent Risk RG8
nt Master
Discount inlieu of
Agreement Name Branch Name Commission limit
SBI General Insurance
Direct Code-HO HO 10%
SBIG Direct Corporate-HO HO 10%

SBIG Digital Direct-HO HO 10%
SBIG Direct SME-HO HO 10%
Maximum Value
500,000
1,000,000
2,500,000
0030V01202021
0031V01202021
0028V04201819
lassification Code Table

Industry Cassification
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Non Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Industrial
Premium Computation Page No.182/801
Type of Policy is Mandatory Location and Optional Floater/Floater Declaration -Premium Computation for Sookshma Policy BSUS01 should refer the Office Rate
Premium Computation for BLUS01 should refer the Office Rates - Laghu for Fire, EQ, STFI and Inuilt covers. If the policy is categorised as Laghu, all locations prem
irrespective of the Location Sum Insured. If the policy is categorised as Sookshma, all locations premium is computed based on the Office rates - Sookshm
Policy Location
Type of Policy is Mandatory Location and Optional Floater/Floater Declaration
In this type of policy Multiple locations can be added with SI for Building, P&M, Stocks and a Separate The covers that can be added in the Location are All cov
Floater Location will be added with Floater SI defined in that Location added after adding the Standard
UI Field/ Element Value Rate Table Table reference/ Formula Element

Code Table
Pin Code
Override Min IIB
Cover for Specific Contents Sum Insured
Start up Expenses cover Sum Insured
Building Sum Insured
P&M Sum Insured
Furniture & Fixtures Sum Insured
Change in Column G12+G13 Benefit SI Contents
Location Sum Insured - Contents

Stocks of Raw Material Sum Insured
Stocks of Finished Goods Sum Insured
Stocks of Work in Progress Sum Insured
584621674.xls Ver.No.2.0
Benefit SI Stocks
Location Sum Insured - Stocks

Others Sum Insured
Location Sum Insured
TAC Occupancy Code
Occupancy Description
Fire Rate
STFI Rate
Earthquake (Fire and Shock) Zone

Earthquake (Fire and Shock) Rate
Fire Location Base Premium
STFI Location Base Premium
Earthquake Base Premium
Fire Tarrif rate
STFI Tarrif Rate
584621674.xls Ver.No.2.0
EQ Tarrif Rate
Fire Location Tarrif Premium
STFI Location Tarrif Premium
EQ Location Tarrif Premium
Location Office Premium
Location Tarrif Premium
Discount inlieu of Commission
Fire protection device adjustment
Type of Construction adjsutment
Age of Building adjustment
Fire Brigade Adjustment
Location of Business Adjustment
Claims experience Adjustment
AMC adjustment
Inspection Feedback adjustment
584621674.xls Ver.No.2.0
FLEXA adjustment
FLEXA adjustment limit
STFI & Earthquake (Fire and Shock)

Adjustment
STFI & Earthquake (Fire and Shock)

Adjustment limit
Fire, STFI and EQ Adjsuted premium
Allowed Adjustment
Location Standard Fire and special perils

584621674.xls Ver.No.2.0
Location STFI cover unadjusted premium
Location Earthquake (Fire and Shock)

Location Unadjusted Premium - Base Covers
Location Rate
Location Under Insurance waiver cover

undajusted premium
Location Excess cover unadjusted premium
Location Spontaneous Combustion cover

unadjusted premium
584621674.xls Ver.No.2.0
Location Theft within 7 days cover undajusted

premium
Location Forest Fire cover undajusted
premium
Location Enhancement of Cover undajusted
premium
Location Additions, alterations or extensions

Location Temporary removal of stocks cover

undajusted premium
Location Cover for Specific contents premium
Location Start-Up Expenses cover undajusted

premium
Location Professional fees (Upto 5 % of the
claim amount) cover premium
Location Cost of Removal Debris (upto 2% of
claim Amount) cover unadjusted premium
Location Costs compelled by Municipal

Regulations cover unadjusted premium
Location In-Built Addons unadjusted premium
Location Unadjusted Premium excluding

Terrorism and Add-ons
Location Factor
Industrial - 0.23 rate Location Terrorism cover unadjusted premium

cover adjusted premium
Location STFI cover adjusted premium
Location Earthquake (Fire and Shock) cover

adjusted premium
584621674.xls Ver.No.2.0
Location Under Insurance waiver cover

adjusted premium
Location Excess cover adjusted premium

adjusted premium
Location Theft within 7 days cover adjusted
premium
Location Forest Fire cover adjusted premium

adjusted premium
Location Cover for Specific contents adjusted
premium
Location Start-Up Expenses cover adjusted
premium
claim amount) cover adjusted premium

claim Amount) cover adjusted premium

Regulations cover adjusted premium
Location Terrorism cover adjusted premium

cover book premium
Location STFI cover book premium

book premium
Location Under Insurance waiver cover book
premium
Location Excess cover book premium
Location Spontaneous Combustion cover book

premium
Location Theft within 7 days cover book
premium
Location Forest Fire cover book premium
584621674.xls Ver.No.2.0

cover book premium
book premium
Location Cover for Specific contents book
premium
Location Start-Up Expenses cover book
premium
claim amount) cover book premium

claim Amount) cover book premium

Regulations cover book premium
Location Terrorism cover book premium
Book Premium - Policy Standard Fire and special perils cover 27715.000 Sum of (Location Standard Fire and Matching
book premium special perils cover book premium)
across Locations
STFI cover book premium 28147.500 Sum of (Location STFI cover book Matching
premium) across Locations
Earthquake (Fire and Shock) cover 8032.500 Sum of (Location Earthquake (Fire and Matching
book premium Shock) cover book premium) across
Locations
Under Insurance waiver cover book 479.213 Sum of (Location Under Insurance Matching
premium waiver cover book premium) across
Locations
Excess cover book premium 3143.634 Sum of (Location Excess cover book Matching
Spontaneous Combustion cover book 1280.000 Sum of (Location Spontaneous Matching
premium Combustion cover book premium)
across Locations
Theft within 7 days cover book premium 100.000 Sum of (Location Theft within 7 days Matching
cover book premium) across Locations
Forest Fire cover book premium 150.000 Sum of (Location Forest Fire cover book Matching
Additions, alterations or extensions 57.506 Sum of (Location Additions, alterations Matching
cover book premium or extensions cover book premium)
across Locations
Temporary removal of stocks cover boo 20.000 Sum of (Location Temporary removal of Matching
stocks cover book premium) across
Locations
584621674.xls Ver.No.2.0
Cover for Specific contents book premi 23.002 Sum of (Location Cover for Specific Matching
contents book premium) across
Locations
Start-Up Expenses cover book premium 6.390 Sum of (Location Start-Up Expenses Matching
cover book premium) across Locations
Professional fees (Upto 5 % of the 127.790 Sum of (Location Professional fees Matching
claim amount) cover book premium (Upto 5 % of the claim amount) cover
book premium) across Locations
Cost of Removal Debris (upto 2% of 159.738 Sum of (Location Cost of Removal Matching
claim Amount) cover book premium Debris (upto 2% of claim Amount) cover
book premium) across Locations
Costs compelled by Municipal 0.000 Sum of (Location Costs compelled by Matching

Regulations cover book premium Municipal Regulations cover book
Terrorism cover book premium 11500.000 Sum of (Location Terrorism cover book Single location so no discount (=G79)
premium) across Locations +Floater
Location Adjusted Terrorism Premium
Floater Cover book premium 0.000 Floater cover Adjusted premium

Final Premium 80942.271 MAX(Minimum Premium, Sum of cover Matching
book premiums across all covers )
Due Gross Written Premium 80942.271 Final Premium

Premium
CGST 7284.804 Gross Written Premium * CGST Rate

SGST 7284.804 Gross Written Premium * SGST Rate
IGST 0.000 Gross Written Premium * IGST Rate
Kerala Cess 0.000 As per existing implementation
Total Payable 95512 Gross Written Premium + CGST +
SGST + IGST + Kerala Cess
Stamp Duty 0.5
Note : (Non Recoverable.
Willnot add to Total
Premium)
Type of Policy Mandatory Location and UI Input - From

Optional Floater/Floater
Risk Start Date Declaration 1-Jan-21 Claims Paid Year
Risk End Date 31-Dec-21 2018
Policy Period in days 365 2019
Short Period Adjustment 100% Refer Short period adjustment Relativity 2020
Table
584621674.xls Ver.No.2.0
Agreement Code 2963 Claims Ratio
Discount inlieu of Commission 0 Claims Experience Adjustment
Highest Earth Quake Zone Rate 0.273

Floater Cover Sum Insured 5000000
Minimum Premium 200
* Accuracy upto 3 decimal places for all premium computation calcuations
Number of Locations covered 1 Number of Location Insured Objects
other than Floater Location Insured
Object + Count of (Floater Location
Pincodes)
Terrorism Discount 0% Terrorism Discount based on Number of
Locations covered - Rate Table
Terrorism Discount - Multi Location)
584621674.xls Ver.No.2.0
cy BSUS01 should refer the Office Rates - Sookshma Fire, EQ, STFI and Inuilt covers and
categorised as Laghu, all locations premium is computed based on the Office rates - Laghu
uted based on the Office rates - Sookshma irrespective of the Location Sum Insured
Location 1 Location 2
The covers that can be added in the Location are All covers except Floater Cover;
an be added in the Location are All covers except Floater Cover; Rest of the covers can be Rest of the covers can be added after adding the Standard Fire & Special Perils
added after adding the Standard Fire & Special Perils cover cover
Value Rate Table Table reference/ Formula Element Value
400069 UI input Pin Code 0

Yes Default YES (READONLY) Override Min IIB Yes
900,000 SI - Cover for Specific Contents (9,00,000 default SI Cover for Specific Contents Sum Insured 900,000
for each location)
100,000 SI - Start up Expenses cover (SI is 1,00,000 for Sub Start up Expenses cover Sum Insured 100,000
Product Type PSPU)
10,000,000 Standard Fire & Special Perils Cover - Building Benefit Building Sum Insured 0
SI
20,000,000 Standard Fire & Special Perils Cover - Plant & P&M Sum Insured 0
Machinery Benefit SI
0 Standard Fire & Special Perils Cover- Furniture & Fixtures Sum Insured 0
Furniture,Fixtures and Fittings Benefit SI
20,000,000 Benefit SI (P&M) + Benefit SI (Furniture and Fixtures), Benefit SI Contents 0
this field is editable in UI
20,000,000 Benefit SI - Contents Location Sum Insured - Contents 0
0 Standard Fire & Special Perils Cover - Stocks of Raw Stocks of Raw Material Sum Insured 0
Material Benefit SI
0 Standard Fire & Special Perils Cover - Stocks of Stocks of Finished Goods Sum Insured 0
Finished Goods Benefit SI
20,000,000 Standard Fire & Special Perils Cover - Stocks of Work Stocks of Work in Progress Sum Insured 0
in Progress Benefit SI
584621674.xls Ver.No.2.0
20,000,000 Benefit SI Stocks of Raw Material + Benefit SI Stocks Benefit SI Stocks 0

of Finished Goods+ Benefit SI Stocks of Work in
Progress, this field is editable in UI
20,000,000 Benefit SI - Stocks Location Sum Insured - Stocks 0
0 Standard Fire & Special Perils Cover - Other Items to Others Sum Insured 0
be Specifically Covered Benefit SI
50,000,000 Building Sum Insured + Location Sum Insured - Location Sum Insured 0
Contents + Location Sum Insured - Stocks +
+ Others Sum Insured
4001 TAC Occupancy Code 0
Aluminium, Zinc, Occupancy Description Aluminium, Zinc, Copper Factories

Copper
Factories
0.482 refer Fire, Earthquake (Fire and Shock) and STFI rate Fire Rate 0.000
table - Office Rates Sheet
0.417 refer Fire, Earthquake (Fire and Shock) and STFI rate STFI Rate 0.000
table - Office Rates Sheet
3 From Pincode Master with EQ Zone Earthquake (Fire and Shock) Zone 0
0.119 refer Fire, Earthquake (Fire and Shock) and STFI rate Earthquake (Fire and Shock) Rate 0
table
24100.000 Total Sum Insured * Fire Rate from Office Rate Table Fire Location Base Premium 0.000
20850.000 Total Sum Insured * STFI Rate from Office Rate Table STFI Location Base Premium 0.000
5950.000 Total Sum Insured * Earthquake (Fire and Shock) Earthquake Base Premium 0.000
from Office Rate Table
0.46 Fire Rate from Tarrif Rate Table IIB+NATCAT Sheet Fire Tarrif rate 0.000
0.460 EQ Rate from Tarrif Rate Table IIB+NATCAT Sheet STFI Tarrif Rate 0.000
584621674.xls Ver.No.2.0
0.100 STFI Rate from Tarrif Rate Table IIB+NATCAT Sheet EQ Tarrif Rate 0.000
32500.000 Total Sum Insured * Fire Rate from Tarrif Rate Table Fire Location Tarrif Premium 0.000
12500.000 Total Sum Insured * STFI Rate from Tarrif Rate Table STFI Location Tarrif Premium 0.000
12500.000 Total Sum Insured * Earthquake (Fire and Shock) EQ Location Tarrif Premium 0.000
Rate from Tarrif Rate Table
50900.000 Fire Location Base Premium + STFI Location Base Location Office Premium 0.000
Premium + Earthquake Base Premium
57500.000 Fire Location Tarrif Premium + STFI Location Tarrif Location Tarrif Premium 0.000
Premium + EQ Location Tarrif Premium
0.00% Derived from Discount inlieu of Commission Relativity Discount inlieu of Commission 0.00%
Table
-10.00% Fire Protection Device Rate Table Fire protection device adjustment 0.00%
40.00% Type of Construction rate table Type of Construction adjsutment 0.00%
-10.00% Age of Building rate table Age of Building adjustment 0.00%
-10.00% Distance between the risk to be covered and nearest Fire Brigade Adjustment 0.00%
Fire Brigade Rate Table
5.00% Location of Business rate table Location of Business Adjustment 0.00%
0.00% Claims experience for past 36 months rate table Claims experience Adjustment 0.00%
0.00% Annual maintenance contract for fire protection AMC adjustment 0.00%
appliances rate table
0.00% Inspection Feedback rate table Inspection Feedback adjustment 0.00%
584621674.xls Ver.No.2.0
15.00% Fire protection device adjustment + Type of FLEXA adjustment 0.00%

Construction adjsutment + Age of Building adjustment
+ Fire Brigade Adjustment + Location of Business
Adjustment + Claims experience Adjustment + AMC
15.00% adjustment
Overall Loading /Discount
+ Inspection will be capped
Feedback at +/-80%”
adjustment FLEXA adjustment limit 0.00%
35% STFI & Earthquake (Fire and Shock) 0%

Type of Construction adjsutment + Age of Building Adjustment
adjustment + Location of Business Adjustment +
Claims experience Adjustment + Inspection Feedback
adjustment
35% Overall Loading /Discount will be capped at +/-80%” STFI & Earthquake (Fire and Shock) 0%
Adjustment limit
63895.00 Fire Location Base Premium *(1+FLEXA adjustment)+ Fire, STFI and EQ Adjsuted premium 0.00
STFI Location Base Premium *(1+STFI & Earthquake
(Fire and Shock) Adjustment)+
Earthquake Base Premium *(1+STFI & Earthquake
(Fire and Shock) Adjustment)
26% ((Location Office premium - Fire, STFI and EQ Allowed Adjustment 0%

Adjustment premium) / (Location Office premium ))
% should be within (+80% and -80%)
27715.000 If %deviation of office premium is within +80% or - Fire Location Unadjusted Premium 0.000
80% limit i.e. ((Location Office premium - Fire, STFI
and EQ Adjustment premium) / (Location Office
premium ))<=0.8 then
Location Standard Fire and special perils cover
unadjusted premium = Fire Location Base
Premium * (1+ FLEXA Adjustment)* (1+Discount
inlieu of commission)
else
Location Standard Fire and special perils cover
unadjusted premium = Fire Location Base
Premium * (1+ FLEXA Adjustment)* (1+Discount
inlieu of commission)*(1+ Allowed Adjustment)*
((Location Office Premium)/(Fire, STFI and EQ
Adjsuted premium))
584621674.xls Ver.No.2.0
28147.500 If %deviation of office premium is within +80% or - STFI Location Unadjusted Premium 0.000
Location STFI cover unadjusted premium =STFI
Location Base Premium * (1 + STFI & Earthquake
(Fire and Shock) adjustment) * (1+Discount inlieu
of commission)
else
Location STFI cover unadjusted premium =STFI
Location Base Premium * (1+ STFI & Earthquake
of commission)*(1+ Allowed Adjustment)*
Adjsuted premium))
8032.500 If %deviation of office premium is within +80% or - Earthquake Location Unadjusted Premium 0.000
unadjusted premium =Earthquake (Fire and Shock)
Location Base Premium * (1 + STFI & Earthquake
of commission)
else
unadjusted premium =Earthquake (Fire and Shock)
Location Base Premium * (1+ STFI & Earthquake
of commission)*(1+ Allowed Adjustment)*
Adjsuted premium))
63895.000 Location Standard Fire and special perils cover Location Unadjusted Premium - Base Covers 0.000
unadjusted premium +
Location STFI cover unadjusted premium +
unadjusted premium
1.278 (Location Unadjusted Premium/(Location Sum Location Rate 0.000
Insured) * 1000
479.213 Under Insurance waiver rate * Location Rate * Location Under Insurance waiver cover 0.000
Location Sum Insured undajusted premium
3143.634 Excess Premium Rate * Location Rate * Location Sum Location Excess cover unadjusted premium 0.000
Insured
1280.000 Spontaneous Combustion rate per mille * Stocks Sum Location Spontaneous Combustion cover 0.000
Insured (for the location) *(1+Discount in lieu of unadjusted premium
commission)
584621674.xls Ver.No.2.0
100.000 Theft rate per mille * Location Sum Insured Location Theft within 7 days cover undajusted 0.000
*(1+Discount in lieu of commission) premium
150.000 Forest Fire rate per mille * Location Sum Insured Location Forest Fire cover undajusted 0.000
*(1+Discount in lieu of commission) premium
5152.847 Location Under Insurance waiver cover undajusted Location Enhancement of Cover undajusted 0.000
premium + Location Excess cover unadjusted premium
premium + Location Spontaneous Combustion cover
unadjusted premium + Location Theft within 7 days
cover undajusted premium + Location Forest Fire
57.506 Additions, alterations or extensions Rate * Location Additions, alterations or extensions cover 0.000
Rate * (Location Sum Insured - Location Sum Insured undajusted premium
- Stocks)
20.000 Temporary removal of stocks rate per mille * (Location Location Temporary removal of stocks cover 0.000
Sum Insured - Stocks) *(1+Discount in lieu of
commission)
23.002 Cover for Specific contents Rate * Location Rate * Location Cover for Specific contents premium 0.000
Cover for Specific Contents Sum Insured
6.390 Start-Up Expenses Rate * Location Rate * Start up Location Start-Up Expenses cover undajusted 0.000
Expenses cover Sum Insured premium
127.790 Professional fees Rate * Location Rate * Location Location Professional fees (Upto 5 % of the 0.000
Sum Insured claim amount) cover premium
159.738 Cost of Removal of debris Rate * Location Rate * Location Cost of Removal Debris (upto 2% of 0.000
Location Sum Insured claim Amount) cover unadjusted premium
0.000 Costs compelled by Municipal Regulations Rate * Location Costs compelled by Municipal 0.000
Location Rate * Location Sum Insured Regulations cover unadjusted premium
394.425 Location Additions, alterations or extensions cover Location In-Built Addons unadjusted premium 0.000
undajusted premium +
undajusted premium +
69442.271 Location Unadjusted Premium - Base Covers + Location Unadjusted Premium excluding 0.000
Location Cover for Specific contents premium +
Location Enhancement of Cover undajusted premium Terrorism and Add-ons
Location Start-Up Expenses cover undajusted
+ Location In-Built Addons unadjusted premium
premium +
Location Professional fees (Upto 5 % of the claim
amount)
1.000 If cover
( Location premium
Tarrif + /Location Unadjusted
Premium Location Factor 0.000
Location Cost
Premium of Removal
excluding Debris
Terrorism and(upto 2% of
Add-ons > 1claim
and
Amount) cover
Override unadjusted
Minimum premium
IIB="No", +
then Location Factor =
Costs Premium
Location Tarrif compelled by Municipal
/Location Regulations
Unadjusted
cover
Premiumunadjusted
excluding premium
Terrorism and Add-ons , else 1)
11500.000 Acts of terrorism rate * Location Sum Insured Location Terrorism cover unadjusted premium 0.000
27715.000 Location Standard Fire and special perils cover Location Standard Fire and special perils 0.000
unadjusted premium * Location Factor cover adjusted premium
28147.500 Location STFI cover unadjusted premium * Location Location STFI cover adjusted premium 0.000
Factor
8032.500 Location Earthquake (Fire and Shock) cover Location Earthquake (Fire and Shock) cover 0.000
unadjusted premium * Location Factor adjusted premium
584621674.xls Ver.No.2.0
479.213 Location Under Insurance waiver cover unadjusted Location Under Insurance waiver cover 0.000
premium * Location Factor adjusted premium
3143.634 Location Excess cover unadjusted premium * Location Location Excess cover adjusted premium 0.000
Factor
1280.000 Location Spontaneous Combustion cover unadjusted Location Spontaneous Combustion cover 0.000
premium * Location Factor adjusted premium
100.000 Location Theft within 7 days cover unadjusted Location Theft within 7 days cover adjusted 0.000
premium * Location Factor premium
150.000 Location Forest Fire cover unadjusted premium * Location Forest Fire cover adjusted premium 0.000
Location Factor
57.506 Location Additions, alterations or extensions cover Location Additions, alterations or extensions 0.000
unadjusted premium * Location Factor cover adjusted premium
20.000 Location Temporary removal of stocks cover Location Temporary removal of stocks cover 0.000
unadjusted premium * Location Factor adjusted premium
23.002 Location Cover for Specific contents unadjusted Location Cover for Specific contents adjusted 0.000
6.390 Location Start-Up Expenses cover unadjusted Location Start-Up Expenses cover adjusted 0.000
127.790 Location Professional fees (Upto 5 % of the claim Location Professional fees (Upto 5 % of the 0.000
amount) cover unadjusted premium * Location Factor claim amount) cover adjusted premium
159.738 Location Cost of Removal Debris (upto 2% of claim Location Cost of Removal Debris (upto 2% of 0.000
Amount) cover unadjusted premium * Location Factor claim Amount) cover adjusted premium
0.000 Location Costs compelled by Municipal Regulations Location Costs compelled by Municipal 0.000
cover unadjusted premium * Location Factor Regulations cover adjusted premium
11500.000 Location Terrorism cover unadjusted premium * (1 - Location Terrorism cover adjusted premium 0.000
Terrorism Discount)
27715.000 Location Standard Fire and special perils cover Location Standard Fire and special perils 0.000
adjusted premium * short period adjustment cover book premium
28147.500 Location STFI cover adjusted premium * short period Location STFI cover book premium 0.000
adjustment
8032.500 Location Earthquake (Fire and Shock) cover adjusted Location Earthquake (Fire and Shock) cover 0.000
premium * short period adjustment book premium
479.213 Location Under Insurance waiver cover adjusted Location Under Insurance waiver cover book 0.000
premium * short period adjustment premium
3143.634 Location Excess cover adjusted premium * short Location Excess cover book premium 0.000
period adjustment
1280.000 Location Spontaneous Combustion cover adjusted Location Spontaneous Combustion cover 0.000
100.000 Location Theft within 7 days cover adjusted premium * Location Theft within 7 days cover book 0.000
short period adjustment premium
150.000 Location Forest Fire cover adjusted premium * short Location Forest Fire cover book premium 0.000
period adjustment
584621674.xls Ver.No.2.0
57.506 Location Additions, alterations or extensions cover Location Additions, alterations or extensions 0.000
adjusted premium * short period adjustment cover book premium
20.000 Location Temporary removal of stocks cover adjusted Location Temporary removal of stocks cover 0.000
23.002 Location Cover for Specific contents adjusted premium Location Cover for Specific contents book 0.000
* short period adjustment premium
6.390 Location Start-Up Expenses cover adjusted premium * Location Start-Up Expenses cover book 0.000
short period adjustment premium
127.790 Location Professional fees (Upto 5 % of the claim Location Professional fees (Upto 5 % of the 0.000
amount) cover adjusted premium * short period claim amount) cover book premium
adjustment
159.738 Location Cost of Removal Debris (upto 2% of claim Location Cost of Removal Debris (upto 2% of 0.000
Amount) cover adjusted premium * short period claim Amount) cover book premium
adjustment
0.000 Location Costs compelled by Municipal Regulations Location Costs compelled by Municipal 0.000
cover adjusted premium * short period adjustment Regulations cover book premium
11500.000 Location Terrorism cover adjusted premium * short Location Terrorism cover book premium 0.000
period adjustment
584621674.xls Ver.No.2.0
Premium Claim Claims Paid Year Premium Claim

8000 2000 2018 1000 2000
3000 2000 2019 1000 2000
3000 4000 2020 2000 4000
584621674.xls Ver.No.2.0
0.00% Sum of claim amount/ sum of premium amount Claims Ratio 0.00% Sum of claim
amount/ sum of
premium amount
0% refer Claims experience for past 36 months relativity Claims Experience Adjustment 0% refer Claims
table and if the New Biz Classification = "New" then experience for past
Claims Experience Adjustment = "0" 36 months relativity
table
584621674.xls Ver.No.2.0
Floater Location
The covers that can be added in the Location are
1) Floater Cover
3) Excess cover
8) Cost of Removal Debris (upto 2% of claim Amount) cover
11) Costs compelled by Muncipal regulations
12) Terrorism Cover
Floater Cover is the Base cover and rest of the covers can be added after adding Floater Cover
Element Value Rate Table Table reference/ Formula
TAC occupancy code 0 UI Input

Discount inlieu of Commission 0.00% Discount inlieu of commission
Floater Loc1 Pin Code 0
Floater Loc1 EQ Zone 0
EQ Rate 0.000 refer Fire, Earthquake (Fire and Shock) and STFI rate table - Office Rates Sheet

Maximum value at any one location 0
584621674.xls Ver.No.2.0
Highest Earth Quake Zone Rate 0.000 EQ Zone rate for Max EQ Zone

Stocks stored in Open No
SFSP adjustment across 0.000 ((SUM of (LocationSFSP cover unadjusted premium) other than Floater
locations location) / ((SUM of Location SFSP Cover Base Premium) other than floater
location) ) - 1
STFI adjustment across locations 0.000 ((SUM of (LocationSTFI cover unadjusted premium) other than Floater
location) / ((SUM of Location STFI Cover Base Premium) other than floater
location) ) - 1
SFSP Adjusted Rate 0.000 SFSP Rate * (1+SFSP adjustment across locations)
SFSP Rate is derived based on the TAC occupancy code in the floater location. If
the Policy Type is determined as SOOKSMA based on the Highest Non Floater
Location SFSP Cover SI <=5 Cr then Office Rates - Sookshma should be used to
find the SFSP rate, similarly if the policy type is determined as LAGHU based on
the Highest Non Floater Location SFSP Cover SI >5Cr and <= 50 Cr then office
rates - Laghu should be used to find the SFSP rate
STFI Adjusted Rate 0.000 STFI Rate * (1+SFSP adjustment across locations)
STFI Rate is derived based on the TAC occupancy code in the floater location. If
the Policy Type is determined as SOOKSMA based on the Highest Non Floater
Location SFSP Cover SI <=5 Cr then Office Rates - Sookshma should be used to
find the STFI rate, similarly if the policy type is determined as LAGHU based on
the Highest Non Floater Location SFSP Cover SI >5Cr and <= 50 Cr then office
rates - Laghu should be used to find the STFI rate
EQ adjustment across locations 0.000 ((SUM of (Location Earthquake (Fire and Shock) cover unadjusted premium)
other than Floater location) / ((SUM of Location Earthquake Base Premium)
other than floater location) ) - 1
EQ adjusted rate 0.000 Highest Earth Quake Zone Rate * ( 1+ EQ adjustment across locations)
Location Rate 0.000 (SFSP Rate + STFI Rate + EQ adjusted rate) *(1+ Stock on floater basis rate)
Floater Cover unadjusted premium 0.000 Location Rate * Floater cover Sum Insured
Floater Location Terrorism Cover 0 Floater SI* Terrorism Rate/1000

Unadjusted Premium
Floater Cover Adjusted premium 0.000 Floater Cover unadjusted premium
Floater Location Under Insurance 0 Under Insurance waiver cover rate per mille * Floater Sum Insured *(1+Discount in
waiver cover Adjusted premium lieu of commission)
Floater Location Excess cover 0 Excess cover rate per mille * Floater Sum Insured *(1+Discount in lieu of
adjusted premium commission)
584621674.xls Ver.No.2.0
Floater Location Spontaneous 0 Spontaneous Combustion rate per mille * Floater Sum Insured *(1+Discount in lieu
Combustion cover adjusted of commission) *(1+ Stock on floater basis rate)
premium
Floater Location Theft within 7 days 0 Theft rate per mille * Floater Sum Insured *(1+Discount in lieu of commission) *(1+
cover adjusted premium Stock on floater basis rate)
Floater Location Forest Fire cover 0 Forest Fire rate per mille * Floater Sum Insured *(1+Discount in lieu of
adjusted premium commission)* (1+ Stock on floater basis rate)
Floater Location Temporary 0 Temporary removal of stocks rate per mille * (Floater Sum Insured) *(1+Discount in
removal of stocks cover adjusted lieu of commission) *(1+ Stock on floater basis rate)
premium
Floater Location Cost of Removal 0.000 Cost of Removal of debris Rate * Location Rate * Floater Sum Insured
Debris (upto 2% of claim Amount)
Floater Location Start-Up Expenses 0.000 Start-Up Expenses Rate * Location Rate * Start up Expenses cover Sum Insured
Location Costs compelled by 0.000 Costs compelled by Municipal Regulations Rate * Location Rate * Floater Sum
Municipal Regulations cover Insured
unadjusted premium
Floater Location Terrorism Cover 0 Floater Location Terrorism Cover Unadjusted Premium * (1-Terrorism Discount)
Adjusted Premium
Floater Cover book premium 0.000 Floater Cover Adjusted premium * Short Period Adjustment
Floater Location Under Insurance 0 Floater Location Under Insurance waiver cover Adjusted premium * Short Period
waiver cover book premium Adjustment
Floater Location Excess cover book 0 Floater Location Excess cover adjusted premium * Short Period Adjustment
premium
Floater Location Spontaneous 0 Floater Location Spontaneous Combustion cover adjusted premium * Short Period
Combustion cover book premium Adjustment
Floater Location Theft within 7 days 0 Floater Location Theft within 7 days cover adjusted premium * Short Period
cover book premium Adjustment
Floater Location Forest Fire cover 0 Floater Location Forest Fire cover adjusted premium * Short Period Adjustment
book premium
Floater Location Temporary 0 Floater Location Temporary removal of stocks cover adjusted premium * Short
removal of stocks cover book Period Adjustment
premium
Floater Location Cost of Removal 0.000 Floater Location Cost of Removal Debris (upto 2% of claim Amount) cover
Debris (upto 2% of claim Amount) adjusted premium * Short Period Adjustment
cover book premium
Floater Location Start-Up Expenses 0.000 Floater Location Start-Up Expenses cover adjusted premium * Short Period
cover book premium Adjustment
Location Costs compelled by 0.000 Location Costs compelled by Municipal Regulations cover unadjusted premium *
Municipal Regulations cover book Short Period Adjustment
premium
584621674.xls Ver.No.2.0
Floater cover terrorism book 0 Floater Location Terrorism Cover Adjusted Premium * Short Period Adjustment
premium
584621674.xls Ver.No.2.0
This rate has direct discount (from other locations)
Floater factor 1.1 is applied on Location rate
Rate has Direct Discount only, floater loading doesn’t apply
Rate has Direct Discount only, floater loading doesn’t apply
584621674.xls Ver.No.2.0
Rate has floater factor as wells as Direct Discount
584621674.xls Ver.No.2.0
Premium-Floater&Floater Decl Page No.208/801
Type of Policy = "Only Floater/ Floater Declaration" - Premium Computation for Sookshma Policy BSUS01 should refer the Office Rates - Sooksh
Computation for BLUS01 should refer the Office Rates - Laghy for Fire, EQ, STFI and Inuilt cover
Floater Location (Type of Policy = "Only Floater/ Floater Declaration", Only one location can be added
with Foater Cover as the Base cover and rest of the covers can be added after adding Floater cover;
The covers that can be added in the Location are
1) SFSP cover
2) STFI cover
3) EQ Cover
4) Floater Cover
6) Excess cover
15) Terrorism Cover
Policy
UI Field/ Element Value Rate Table Table reference/ Formula
Code Table
584621674.xls Ver.No.2.0
6000
584621674.xls Ver.No.2.0
80%
584621674.xls Ver.No.2.0
584621674.xls Ver.No.2.0
584621674.xls Ver.No.2.0
584621674.xls Ver.No.2.0
584621674.xls Ver.No.2.0
Book Premium - Policy Standard Fire and special perils cover 536.503 Floater Location Standard Fire and
book premium special perils cover book premium
STFI cover book premium 927.767 Floater Location STFI cover book
premium
Earthquake (Fire and Shock) book 662.691 Floater Location Earthquake (Fire and
premium Shock) book premium
Floater Cover Book premium 0.000 Location Floater Cover Book premium
Under Insurance waiver cover book 33.750 Floater Location Under Insurance
premium waiver cover book premium
Excess cover book premium 221.400 Floater Location Excess cover book
premium
Spontaneous Combustion cover book 316.800 Floater Location Spontaneous
premium Combustion cover book premium
Theft within 7 days cover book 9.900 Floater Location Theft within 7 days
premium cover book premium
Forest Fire cover book premium 14.850 Floater Location Forest Fire cover book
premium
Temporary removal of stocks cover 4.950 Floater Location Temporary removal of
book premium stocks cover book premium
Cost of Removal Debris (upto 2% of 5.317 Floater Location Cost of Removal Debris
claim Amount) cover book premium (upto 2% of claim Amount) cover book
premium
Start-Up Expenses cover book 2.127 Floater Location Start-Up Expenses
premium cover book premium
584621674.xls Ver.No.2.0
Costs compelled by Municipal 0.000 Floater Location Costs Compelled by

Regulations cover book premium Muncipal regulations Cover adjusted
Premium
Terrorism Cover Book Premium #REF! Floater Location Terrorism Cover Book
Premium
Declaration Cover book premium 0.000

Final Premium #REF! MAX(Minimum Premium, Sum of cover
book premiums across all covers )
Due Gross Written Premium #REF! Final Premium

Premium
CGST #REF! Gross Written Premium * CGST Rate
SGST #REF! Gross Written Premium * SGST Rate
IGST 0.000 Gross Written Premium * IGST Rate
Kerala Cess 0.000 As per existing implementation

Total Payable #REF! Gross Written Premium + CGST +
SGST + IGST + Kerala Cess
Stamp Duty 0.5
Note : (Non Recoverable.
Willnot add to Total
Premium)
Risk Start Date 1-Jan-21
Risk End Date 31-Dec-21
Policy Period in days 365
Short Period Adjustment 100% Refer Short period adjustment Relativity

Table
Agreement Code 133710
Discount inlieu of Commission -0.1
Highest Earth Quake Zone Rate 0.273
Minimum Premium 200
* Accuracy upto 3 decimal places for all premium computation calcuations
Number of Locations covered 3 Count of (Floater Location Pincodes)
Terrorism Discount 5% Terrorism Discount based on Number of
Locations covered - Rate Table
Terrorism Discount - Multi Location)
584621674.xls Ver.No.2.0
shma Policy BSUS01 should refer the Office Rates - Sookshma Fire, EQ, STFI and Inuilt covers and Premium
r the Office Rates - Laghy for Fire, EQ, STFI and Inuilt covers
Floater Location
Floater Location
Element Value Rate Table Table reference/ Formula
Type of Policy Only Floater/ Floater Declaration UI Input - Type of Policy LOV
Override Min IIB Yes Default YES
TAC occupancy code 4001
EQ Rate 0.297504325374773 EQ rate - office; refer Office Rates sheet
EQ Rate - Tarrif 0.25 EQ rate - Tarrif; refer IIB+NATCAT Rates
sheet
EQ Rate Tarrif 0.05 EQ rate - Tarrif; refer IIB+NATCAT Rates
sheet
EQ Rate Tarrif 0.1 EQ rate - Tarrif; refer IIB+NATCAT Rates
sheet
Highest Earth Quake Zone Rate 0.297504325374773 Maximum of EQ Rates among locations
584621674.xls Ver.No.2.0
Highest EQ Rate Tarrif 0.25 Maximum of Tarrif EQ Rates among locations
Maximum value at any one location 3000000 UI Input (<= Floater Cover Sum Insured)
Floater Cover Sum Insured 5000000 UI Input

Startup Expenses Sum Insured 100000 SI - Start up Expenses cover (SI is 1,00,000
for PSPU)
Stocks stored in Open No
Fire Rate 0.482 refer Fire, Earthquake (Fire and Shock) and
STFI rate table from Office rates sheet
STFI Rate 0.417 refer Fire, Earthquake (Fire and Shock) and
STFI rate table from Office rates sheet
EQ rate 0.298 Highest Earth Quake Zone Rate
Fire Base Premium 2408.5425212877 Fire Rate * Floater Cover Sum Insured
STFI Base Premium 2082.53027762341 STFI Rate * Floater Cover Sum Insured
Earthquake Base Premium 1487.52162687387 EQ Rate * Floater Cover Sum Insured
Location Office premium 5978.59442578498 Fire Base Premium + STFI Base Premium +
Earthquake Base Premium
Fire protection device adjustment -12.50% Fire Protection Device Rate Table
Type of Construction adjsutment -10.00% Type of Construction rate table
Age of Building adjustment -10.00% Age of Building rate table

Fire Brigade Adjustment -10.00% Distance between the risk to be covered and
nearest Fire Brigade Rate Table
Location of Business Adjustment -10.00% Location of Business rate table
Claims experience Adjustment -15.00% Claims experience for past 36 months rate
table
AMC adjustment 0.00% Annual maintenance contract for fire protection
appliances rate table
Inspection Feedback adjustment -10.00% Inspection Feedback rate table
FLEXA adjustment -77.50% Fire protection device adjustment + Type of

Construction adjsutment +
Age of Building adjustment + Fire Brigade
Adjustment + Location of Business Adjustment
FLEXA adjustment limit + ClaimsLoading
-77.50% Overall experience Adjustment
/Discount will be +capped
AMC at +/-
adjustment + Inspection Feedback adjustment
80%”
STFI & Earthquake (Fire and Shock) -55% Type of Construction adjsutment + Age of
Adjustment Building adjustment + Location of Business
Adjustment + Claims experience Adjustment +
Inspection Feedback adjustment
STFI & Earthquake (Fire and Shock) -55% Overall Loading /Discount will be capped at +/-
Adjustment limit 80%”
584621674.xls Ver.No.2.0
Fire, STFI and EQ Adjsuted premium 2148.44542431351 Fire Location Base Premium *(1+FLEXA
adjustment)+ STFI Location Base Premium
*(1+STFI & Earthquake (Fire and Shock)
Adjustment)+
Earthquake Base Premium *(1+STFI &
Earthquake (Fire and Shock) Adjustment)
Allowed Adjustment -0.64 (Location Office premium - Fire, STFI and

EQ Adjustment premium) / (Fire, STFI and
EQ Adjustment premium) % should be
within (+80% and -80%)
Discount inlieu of Commission -10.00% Discount inlieu of commission

Floater Standard Fire and special perils 536.503 If %deviation of office premium is within
cover unadjusted premium +80% or -80% limit i.e. (ABS(Location
Office premium - Fire, STFI and EQ
Adjustment premium) / (Location Office
Floater Standard Fire and special perils
cover unadjusted premium = Fire Base
Premium * (1+ FLEXA Adjustment)*
(1+Discount inlieu of commission) *(1+
Stock on floater basis rate)
else
Floater Standard Fire and special perils
cover unadjusted premium = Fire Base
Premium * (1+ FLEXA Adjustment)*
(1+Discount inlieu of commission)*(1+
Allowed Adjustment)* ((Location Office
Premium)/(Fire, STFI and EQ Adjsuted
premium)) *(1+ Stock on floater basis rate)
584621674.xls Ver.No.2.0
Floater STFI cover unadjusted premium 927.767 If %deviation of office premium is within
+80% or -80% limit i.e. (ABS(Location
Floater STFI cover unadjusted premium
=STFI Base Premium * (1 + STFI &
Earthquake (Fire and Shock) adjustment) *
(1+Discount inlieu of commission) *(1+
Stock on floater basis rate)
else
Floater STFI cover unadjusted premium
=STFI Base Premium* (1+ STFI &
Earthquake (Fire and Shock) adjustment)*
(1+Discount inlieu of commission)*(1+
Allowed Adjustment)* ((Location Office
Premium)/(Fire, STFI and EQ Adjsuted
premium)) *(1+ Stock on floater basis rate)
Floater Earthquake (Fire and Shock) cover 662.691 If %deviation of office premium is within
unadjusted premium +80% or -80% limit i.e. (ABS(Location
Floater Earthquake (Fire and Shock) cover
unadjusted premium =Earthquake Base
Premium * (1 + Earthquake (Fire and
Shock) & Earthquake (Fire and Shock)
adjustment) * (1+Discount inlieu of
commission) *(1+ Stock on floater basis
rate)
else
Floater Earthquake (Fire and Shock) cover
unadjusted premium =Earthquake Base
Premium* (1+ STFI & Earthquake (Fire and
Shock) adjustment)* (1+Discount inlieu of
commission)*(1+ Allowed Adjustment)*
((Location Office Premium)/(Fire, STFI and
EQ Adjsuted premium)) *(1+ Stock on
floater basis rate)
Location rate 0.425 ((Floater Standard Fire and special perils Rate has floater factor as wells as Direct
cover unadjusted premium + Floater STFI Discount
cover unadjusted premium + Floater
Earthquake (Fire and Shock) cover unadjusted
premium)/(Floater Cover Sum Insured)) *1000
Floater Cover unadjusted premium 0.000 Hard coded to 0
584621674.xls Ver.No.2.0
Floater Location Under Insurance waiver 33.75 Under Insurance waiver cover rate per mille * Rate has Direct Discount only
cover unadjusted premium Floater Sum Insured *(1+Discount in lieu of
commission)
Floater Location Excess cover unadjusted 221.4 Excess cover rate per mille * Floater Sum Rate has Direct Discount only
premium Insured *(1+Discount in lieu of commission)
Floater Location Spontaneous Combustion 316.8 Spontaneous Combustion rate per mille * Rate has floater factor as wells as Direct
cover unadjusted premium Floater Sum Insured *(1+Discount in lieu of Discount
commission) *(1+ Stock on floater basis rate)
Floater Location Theft within 7 days cover 9.9 Theft rate per mille * Floater Sum Insured Rate has floater factor as wells as Direct
unadjusted premium *(1+Discount in lieu of commission) *(1+ Stock Discount
on floater basis rate)
Floater Location Forest Fire cover unadjusted 14.85 Forest Fire rate per mille * Floater Sum Rate has floater factor as wells as Direct
premium Insured *(1+Discount in lieu of commission)* Discount
(1+ Stock on floater basis rate)
Floater Location Temporary removal of stocks 4.95 Temporary removal of stocks rate per mille * Rate has floater factor as wells as Direct
cover unadjusted premium (Floater Sum Insured - Stocks)* *(1+Discount Discount
in lieu of commission) *(1+ Stock on floater
basis rate)
Floater Location Cost of Removal Debris 5.317 Cost of Removal of debris Rate * Location
(upto 2% of claim Amount) cover unadjusted Rate * Floater Sum Insured
premium
Floater Location Start-Up Expenses cover 2.127 Start-Up Expenses Rate * Location Rate *
undajusted premium Start up Expenses cover Sum Insured
Floater Location Costs Compelled by 0 Costs compelled by Municipal Regulations

Muncipal regulations Cover Unadjusted Rate * Location Rate * Floater Sum Insured
Premium
Floater Location Terrorism Cover Unadjusted #REF! Floater Cover Sum Insured * Acts of terrorism
Premium rate/1000
584621674.xls Ver.No.2.0
Floater Location unadjusted premium 609.094 Floater Cover unadjusted premium + Floater
excluding Terrorism Location Under Insurance waiver cover
unadjusted premium + Floater Location
Excess cover unadjusted premium + Floater
unadjusted premium + Floater Location Theft
within 7 days cover unadjusted premium +
Floater Location Forest Fire cover unadjusted
premium + Floater Location Temporary
removal of stocks cover unadjusted premium +
Floater Location Cost of Removal Debris (upto
2% of claim Amount) cover unadjusted
premium + Floater Location Start-Up
Expenses cover undajusted premium +
Floater Location Costs Compelled by Muncipal
regulations Cover Unadjusted Premium
Fire Tarrif rate 0.460 Fire Tarrif Rate - refer IIB+NATCAT Sheet
STFI Tarrif Rate 0.350 STFI Tarrif Rate - refer IIB+NATCAT Sheet
EQ Tarrif Rate 0.250 Highest EQ Rate Tarrif
Fire Tarrif Premium 2530.000 Total Sum Insured * Fire Rate from Tarrif Rate Floater factor 1.1 is applied here
Table * (1+ Stock on floater basis rate)
STFI Tarrif Premium 1925.000 Total Sum Insured * STFI Rate from Tarrif Floater factor 1.1 is applied here
Rate Table *(1+ Stock on floater basis rate)
EQ Tarrif Premium 1375.000 Total Sum Insured * EQ Tarrif Rate *(1+ Stock Floater factor 1.1 is applied here
on floater basis rate)
Floater Location Tarrif Premium 5830.000 Fire Tarrif Premium + STFI Tarrif Premium +
EQ Tarrif Premium
Location Factor 1.000 If ( Floater Location Tarrif Premium /Floater
Location Unadjusted Premium excluding
Terrorism > 1 and Override Minimum
IIB="No", then Location Factor = Location
Tarrif Premium /Location Unadjusted Premium
excluding Terrorism and Add-ons , else 1)
Floater Cover Adjusted premium 0.000 Floater Cover unadjusted premium * Location
Factor
Floater Location Standard Fire and special 536.503 Floater Standard Fire and special perils cover
perils cover adjusted premium unadjusted premium * Location Factor
Location STFI cover adjusted premium 927.767 Floater STFI cover unadjusted premium *
Location Factor
Location Earthquake (Fire and Shock) 662.691 Floater Earthquake (Fire and Shock) cover
adjusted premium unadjusted premium * Location Factor
584621674.xls Ver.No.2.0
Floater Location Under Insurance waiver 33.750 Floater Location Under Insurance waiver cover
cover adjusted premium unadjusted premium * Location Factor
Floater Location Excess cover adjusted 221.400 Floater Location Excess cover unadjusted
premium premium * Location Factor
Floater Location Spontaneous Combustion 316.800 Floater Location Spontaneous Combustion
cover adjusted premium cover unadjusted premium * Location Factor
Floater Location Theft within 7 days cover 9.900 Floater Location Theft within 7 days cover
adjusted premium unadjusted premium * Location Factor
Floater Location Forest Fire cover adjusted 14.850 Floater Location Forest Fire cover unadjusted
Floater Location Temporary removal of stocks 4.950 Floater Location Temporary removal of stocks
cover adjusted premium cover unadjusted premium * Location Factor
Floater Location Cost of Removal Debris 5.317 Floater Location Cost of Removal Debris (upto
(upto 2% of claim Amount) cover adjusted 2% of claim Amount) cover unadjusted
Floater Location Start-Up Expenses cover 2.127 Floater Location Start-Up Expenses cover
adjusted premium undajusted premium * Location Factor
Floater Location Costs Compelled by 0.000 Floater Location Costs Compelled by Muncipal
Muncipal regulations Cover adjusted Premium regulations Cover Unadjusted Premium *
Location Factor
Floater Location Terrorism Cover Adjusted #REF! Floater Location Terrorism Cover Unadjusted
Premium Premium *(1-Terrorism Discount)
Location Floater Cover Book premium 0.000 Floater Cover Adjusted premium * short period
adjustment
Floater Location Standard Fire and special 536.503 Floater Location Standard Fire and special
perils cover book premium perils cover adjusted premium * short period
adjustment
Floater Location STFI cover book premium 927.767 Location STFI cover adjusted premium * short
period adjustment
Floater Location Earthquake (Fire and Shock) 662.691 Location Earthquake (Fire and Shock)
book premium adjusted premium * short period adjustment
Floater Location Under Insurance waiver 33.750 Floater Location Under Insurance waiver cover
cover book premium adjusted premium * short period adjustment
Floater Location Excess cover book premium 221.400 Floater Location Excess cover adjusted
premium * short period adjustment
584621674.xls Ver.No.2.0
Floater Location Spontaneous Combustion 316.800 Floater Location Spontaneous Combustion

cover book premium cover adjusted premium * short period
adjustment
Floater Location Theft within 7 days cover 9.900 Floater Location Theft within 7 days cover
Floater Location Forest Fire cover book 14.850 Floater Location Forest Fire cover adjusted
premium premium * short period adjustment
Floater Location Temporary removal of stocks 4.950 Floater Location Temporary removal of stocks
cover book premium cover adjusted premium * short period
adjustment
Floater Location Cost of Removal Debris 5.317 Floater Location Cost of Removal Debris (upto
(upto 2% of claim Amount) cover book 2% of claim Amount) cover adjusted premium
premium * short period adjustment
Floater Location Start-Up Expenses cover 2.127 Floater Location Start-Up Expenses cover
Floater Location Costs Compelled by 0.000 Floater Location Costs Compelled by Muncipal
Muncipal regulations Cover adjusted Premium regulations Cover adjusted Premium * short
period adjustment
Floater Location Terrorism Cover Book #REF! Floater Location Terrorism Cover Adjusted
Premium premium * short period adjustment
584621674.xls Ver.No.2.0
Claims Paid Year Premium Claim

2018 8000 2000
2019 3000 2000
2020 3000 4000

Claims Ratio 57.14% Sum of claim amount/ sum of premium amount
Claims Experience Adjustment -15% refer Claims experience for past 36 months
relativity table
584621674.xls Ver.No.2.0
Only Floater/ Floater Declaration
584621674.xls Ver.No.2.0
584621674.xls Ver.No.2.0
Fire Declaration Policy -Refund Calculation (Example Case)
Location 1 - Non Floater location (applicable only if Declaration cover is opted)
Sr. Month Declared value Sum Insured (considering
Endorsements)
1 Apr-21 55,000,000 55,000,000

2 May-21 15,452,000 55,000,000
3 Jun-21 15,267,000 55,000,000
4 Jul-21 18,843,000 55,000,000
5 Aug-21 19,713,000 55,000,000
6 Sep-21 18,828,000 55,000,000
7 Oct-21 19,227,000 55,000,000
8 Nov-21 19,078,000 55,000,000
9 Dec-21 24,292,000 65,000,000
10 Jan-22 19,453,000 65,000,000
11 Feb-22 16,861,000 65,000,000
12 Mar-22 15,942,000 65,000,000
Average Sum 21,496,333 58,333,333
Insured
Location 1
Premium paid at Inception
Premium to be paid after Declarations
Refund amount (A)
Retention Premium (50% of Premium paid at inception)
Premium to be refunded
Policy Premium to be
refunded 56,251
CGST 5,063
SGST 5,063
IGST 0
Total Policy Premium to
be refunded 66,376
1) Location premium (Premium to be paid after Declarations) will be recomputed on passing the Re
2) Premium to be paid after Declarations - Policy Premium will be recomputed as sum of location p
Note
Floater Location - Refund of premium on adjustment based on the declarations/ cancellations shall not excee
of the annual premium)
NonFloater Location- Refund of premium on adjustment based on the declarations/ cancellations shall not ex
on cover is opted) Location 2 - non Floater Location (applicable only if Declaration cover is opted)
Stock Insured Sr. Month Declared value
55,000,000 1 Apr-21 55,000,000

15,452,000 2 May-21 15,452,000
15,267,000 3 Jun-21 15,267,000
18,843,000 4 Jul-21 18,843,000
19,713,000 5 Aug-21 19,713,000
18,828,000 6 Sep-21 18,828,000
19,227,000 7 Oct-21 19,227,000
19,078,000 8 Nov-21 19,078,000
24,292,000 9 Dec-21 24,292,000
19,453,000 10 Jan-22 19,453,000
16,861,000 11 Feb-22 16,861,000
15,942,000 12 Mar-22 15,942,000
21,496,333 Average Sum Insured 21,496,333
Location 2 - non Floater Location (applicable only if Declaration cover is opted)

90,751 Premium paid at Inception 75,000
80,000 Premium to be paid after Declarations 30,000
10,751 Refund amount (A) 45,000
45,376 Retention Premium (50% of Premium p 37,500
10,751 Premium to be refunded 37,500
s) will be recomputed on passing the Refund endorsmeent for Declaration as per the Average Sum Insured
will be recomputed as sum of location premium
ations/ cancellations shall not exceed 20% of the total premium (i.e. minimum retention shall be 80%
clarations/ cancellations shall not exceed 50% of the total premium

y if Declaration cover is opted) Floater Location (applicable only if Declaration c
Sum Insured Stock Insured Sr. Month
(considering
Endorsements)
45,000,000 45,000,000 1 Apr-21

45,000,000 15,452,000 2 May-21
45,000,000 15,267,000 3 Jun-21
45,000,000 18,843,000 4 Jul-21
45,000,000 19,713,000 5 Aug-21
45,000,000 18,828,000 6 Sep-21
45,000,000 19,227,000 7 Oct-21
45,000,000 19,078,000 8 Nov-21
45,000,000 24,292,000 9 Dec-21
45,000,000 19,453,000 10 Jan-22
45,000,000 16,861,000 11 Feb-22
45,000,000 15,942,000 12 Mar-22
45,000,000 20,663,000 Average Sum Insured
y if Declaration cover is opted) Location 3 - Floater Location (applicable only if Declaration cover i
Premium paid at Inception
Refund amount (A)
Retention Premium (80% of Premium paid at inception)
Premium to be refunded
able only if Declaration cover is opted)
Declared value Sum Insured Stock Insured
(considering
Endorsements)
55,000,000 75,000,000 55,000,000

15,452,000 75,000,000 15,452,000
15,267,000 75,000,000 15,267,000
18,843,000 75,000,000 18,843,000
19,713,000 75,000,000 19,713,000
18,828,000 75,000,000 18,828,000
19,227,000 57,550,000 19,227,000
19,078,000 57,550,000 19,078,000
24,292,000 57,550,000 24,292,000
19,453,000 57,550,000 19,453,000
16,861,000 57,550,000 16,861,000
15,942,000 57,550,000 15,942,000
21,496,333 66,275,000 21,496,333
nly if Declaration cover is opted)

40,000
30,000
10,000
32,000
8,000
AIFT Earthquake
Pincode State District
zone
100000 Gujarat Kachchh 1
110001 Delhi Central Delhi 2
110007 Delhi North Delhi 2
110009 Delhi North West Delhi 2
110010 Delhi South West Delhi 2
110013 Delhi South Delhi 2
110015 Delhi West Delhi 2
110020 Delhi New Delhi 2
110031 Delhi East Delhi 2
121001 Haryana Faridabad 2
121104 Haryana Gurgaon 2
121705 Uttar Pradesh Mau 3
122100 Haryana Rewari 2
122211 Haryana GurGaon 2
123001 Haryana Mahendragarh 3
123305 Haryana Jhajjar 2
124001 Haryana Rohtak 2
125001 Haryana Hisar 3
125010 Haryana Sirsa 4
125048 Haryana Fatehabad 3
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854101 Bihar Katihar 2
854102 Bihar Purnia 2
855101 Bihar Kishanganj 2
4
3
Risk Adjustment Rate Tables
Fire Protection Device

Device Loading/ Discount
Portable Extinguishers -10.00%
Small bore hose reels -12.50%
Trailer Pumps/Fire engines -12.50%
Hydrant System -12.50%
Sprinkler System -12.50%
Fixed Water Spray System -12.50%
Foam System -12.50%
Fire Alarm System -12.50%
Gas Flooding System -12.50%
Others, please specify below 0.00%
No Protection 50.00%
Type of Construction
Type of
Type of Construction - Construction - Loading/
Type of Construction - Wall Floor Roof Discount
Pucca Kutcha Kutcha 5%
Pucca Kutcha Pucca 0%
Pucca Pucca Kutcha 0%
Pucca Pucca Pucca -10%
Kutcha Kutcha Kutcha 40%
Kutcha Kutcha Pucca 0%
Kutcha Pucca Pucca 0%
Kutcha Pucca Kutcha 0%
Age of Building
Age of Building Loading/ Discount
Less than 5 years -10%
5-10 years 0%
10-20 years 10%
Above 20 years 15%
Distance between the risk to be covered and nearest Fire

Brigade
Distance Loading/ Discount
Less than 5 Kms -10%
5-7.5 kms 0%
Above 7.5kms 15%
Location of Business
Floor Loading/ Discount
Basement 5%
Ground Floor (GF) 0%
Mezzanine Floor (MF) 5%
Higher Floor (H) -10%
Claims experience for past 36 months
Claims Ratio Loading/ Discount

0-60% -15%
60-80% 0%
80-100% 5%
>100% 10%
No information 20%
New Biz Classification is "NEW" 0%
Annual maintenance contract for fire protection appliances
AMC Loading/ Discount

AMC present 0%
AMC not present 10%
Inspection Feedback
Inspecton Feedback Loading/ Discount

Risk Satisfactory 0%
Risk Not Satisfactory 0%
No inspection requirement 0%
Discount inlieu of Commission Relativity Table

Discount inlieu of
Agreement Code Commission
144892 -10%
134410 -10%
133710 -10%
133669 -10%
All other agreement codes 0%
Short period adjustment Table for Short period policies, decrease in SI

endorsement, Cancellation refund
Required % of
Policy period Policy period days Annual Premium
Not exceeding 15 days 1 to 15 10%
Not exceeding 1 month 16 to 30 15%
Not exceeding 2 months 31 to 60 30%
Exceeding 9 months >270 100%
Minumum Premium
Minimum Premium
200
Terrorism Discount - Multi Location

Number of Locations covered Percentage Discount
2 to 10 5%
11 to 25 10%
More than 25 15%
Fire -10%
Cosnst -10%
Age -10%
Fire Brigad 0%
Location -10%
New Busin 0%
AMC 0%
Inspection 0%
-40%
EQ Rates
Description Zone IV
Non-Industrial Occupancies, Cooperative

Housing Society, Hotels, Shops etc as per Section 0.06
III of erstwhile Tariff
Industrial – including Standalone Storage outside

the manufacturing units, Utilities outside the 0.152
manufacturing units.
STFI Rates
Occupancy Rate Proposed
Non-Industrial – Co-operative Housing Society,
Hotels, shops as per Section III of erstwhile Tariff 0.179
Industrial including utilities located outside the

manufacturing and tank farm/gas holders Section IV,
V, VII of erstwhile Tariff & Tiny sector Industries as 0.298
per Government Notification
Standalone Storage (outside manufacturing
premises) Section VI of erstwhile Tariff (in 0.417
warehouse)
premises) Section VI of erstwhile Tariff (in open) 1.785
Fire, EQ and STFI Office
Sr No TAC Occupancy Code Occupancy Description Risk Grade
Storage of Non-hazardous goods subject to

warranty that hazardous goods of Category I, II,
III, Coir waste, Coir fibre and Caddies are not
stored therein. (Materials stored in Godowns &
279 4001 Silos) RG4
Loading for Under Insurance waiver

% of Policy
Enhancement Type Rate
Loading for Under Insurance waiver 0.75%
Loading for Excess Premium Rate

% of Policy
Loading for Excess Premium 4.92%
Spontaneous Combustion Rate

Cover Type Rate per mille
(%o)
Spontaneous Combustion 0.064
Theft Rate
(%o)
Theft 0.002
Forest Fire Rate

Rate per mille
Cover Type (%o)
Forest Fire 0.003
Additions, alterations or extensions Rate

% of Policy
Cover Type Rate
Additions, alterations or extensions 0.15%
Temporary removal of stocks Rate

(%o)
Temporary removal of stocks 0.001
Cover for Specific contents Rate

Cover Type % of Policy
Rate
Cover for Specific contents 2.00%
Start-Up Expenses Rate

% of Policy
Cover Type Rate
Start-Up Expenses 5.00%
Professional fees Rate

% of Policy
Cover Type Rate
Professional fees 0.20%
Cost of Removal of debris rate

% of Policy
Cover Type Rate
Cost for Removal of debris 0.25%
Costs compelled by Municipal Regulations rate

Rate
Costs compelled by Municipal Regulations 0.00%
Stock on floater basis loading

Rate
Stock on floater basis 10.00%
Declaration basis rate

% of Policy
Cover Type Rate
Declaration 0.00%
Acts of Terrorism Rate
Cover Type
Industry
Cassification
Acts of Terrorism Residential
Acts of Terrorism N industrial
Acts of Terrorism Industrial
Terrorism Excess
Type of Risk % of Claim Minimum Value
Non-Industrial Risks 1% 25,000
Industrial Risks 5% 100,000
Q Rates
Zone III Zone II Zone I
0.119 0.179 0.298
0.152 0.298 0.595
Fire, EQ and STFI Office rate table

Industry EQ rates %o - EQ rates %o - EQ rates %o- EQ rates %o -
FLEXA rate %o
Cassification Zone IV Zone III Zone II Zone I
Industrial 0.482 0.060 0.119 0.298 0.595

Rate per mille
(%o)
0.08
0.15
0.23
Maximum Value
1,000,000
2,500,000
STFI rate Aplicable to SME
%o Pre UW
0.417 Yes
EQ Rates
Description Zone IV
Non-Industrial Occupancies, Cooperative

Housing Society, Hotels, Shops etc as per Section
III of erstwhile Tariff 0.055
Industrial – including Standalone Storage outside

the manufacturing units, Utilities outside the
manufacturing units. 0.055
STFI Rates
Occupancy Rate Proposed
Non-Industrial – Co-operative Housing Society,

Hotels, shops as per Section III of erstwhile Tariff 0.164
Industrial including utilities located outside the

manufacturing and tank farm/gas holders Section IV, 0.273
V, VII of erstwhile Tariff & Tiny sector Industries as
per Government Notification

premises) Section VI of erstwhile Tariff (in 0.382
warehouse)
Standalone Storage (outside manufacturing 1.637
premises) Section VI of erstwhile Tariff (in open)
Fire, EQ and STFI Offic
Sr No TAC Occupancy Code Occupancy Description Risk Grade
1 1001_2 Dwellings: Cooperative Society RG2

2 1002 Places of worships RG5
3 1003 Libraries RG2
4 1004 Museums RG5
5 1005 Schools
Hospitals/ Colleges
including X-ray and other Diagnostic RG2
6 1006 clinics RG4
7 1007 Office premises / Meeting Rooms RG3
8 1008 Auditoriums / Planetarium RG5
9 1009 Mess Houses / Clubs RG4
10 1010 Marriage Halls RG4
Showrooms and display centres where goods are
11 1011 kept for display and no sales are carried out RG4
Educational and Research Institutes imparting
12 1012 training in various crafts RG4
13 1013 Lodging/Boarding Houses RG3
14 1014 Cycle Shed RG4
15 1015 Dish Antenna RG4
Indoor stadiums, Health Club, Gymnasium and
16 1016 Swimming Pool RG3
Cafes, Restaurants, Hotels, Confectioner and
17 1017 Sweet meat sellers, Health Resorts RG5
18 1018 Laundries / Dry Cleaning RG4
19 1019 Battery Charging Service Stations RG5
20 1020 Amusement parks RG4
21 1021 Hoarding, Neon signs RG4
22 1022 Sports Galleries,
Shops dealing in Outdoor stadiums.
goods otherwise not provided RG4
23 1023 for RG4
24 1024 Shops dealing in hazardous goods RG7
25 1025 Arms
Motorand Ammunition
Vehicle showroom dealers
including sales and RG9
26 1026 service RG5
27 1027 Fuel Station- Petrol / Diesel Kiosks (without CNG) RG4
28 1028 Fuel Station- Petrol / Diesel Kiosks (with CNG) RG4
Data Processing/Call Centres/Business Process
29 1029 Outsourcing Centres RG4
30 2001 Abrasive Manufacturing RG3
31 2002 Aerated Water Factories RG3
32 2003 Aerial Ropeway including trolley stations RG5
33 2004 Agarbatti manufacturing RG7
34 2005 Aircraft Hangers RG6
Airport Terminal Buildings (including all facilities
35 2006 like Cafes, Shops etc) RG4
36 2007 Aluminium/ Magnesium Powder Plants RG8
37 2008 Aluminium, Zinc, Copper Factories RG7
38 2009 Areca nutSteam
Asbestos and/orPacking
Betel nut
andfactories
lagging RG5
39 2010 manufacturing RG5
40 2011 Atta and Cereal Grinding (excluding Dal Mills) RG5
41 2012 Audio/Video Cassette Manufacturing RG6
42 2013 Automobile Manufacturing RG7
43 2014 Bakeries RG4
44 2015 Basket Weavers and Cane Furniture Makers RG6
45 2016 Battery Manufacturing RG7
46 2017 Beedi Factories RG7
47 2018 Biscuit Factories RG5
Bituminised Paper and / or Hessian Cloth
48 2019 Manufacturing including Tar Felt Manufacturing. RG6
Book Binders, Envelope and Paper Bag
49 2020 Manufacturing RG5
50 2021 Breweries RG6
51 2022 Brickworks (including refractories and fire bricks) RG4
52 2023 Bridges - Concrete/Steel, /Culverts/Tunnels RG9
53 2024 Bridges-Wooden RG9
54 2025 Building In course of construction RG4
55 2026 Cable Manufacturing RG6
56 2027 Camphor Manufacturing RG7
57 2028 Candle Works RG7
58 2029 Canning Factories RG4
59 2030 Capsule Manufacturing
Carbon paper / Typewriter Ribbon RG8
61 2032 Cardamom Factories RG7
62 2033 Cardboard Box Manufacturing RG7
Carpenters, Wood wool Manufacturing,
Furniture Manufacturing and other wood worker
63 2034 shops (excluding saw mill) RG6
Carpet and Drugget Manufacturing
64 2035 (Cotton/jute/wool) RG7
65 2036 Carpet and Drugget Manufacturing (Others) RG7
66 2037 Cashew nut Factories RG5
67 2038 Cattle feed Mill RG4
68 2039 Celluloid
Cement /Goods Manufacturing
asbestos/concrete products RG9
70 2041 Cement Factories RG5
Ceramic Factories and Crockery and Stoneware
71 2042 pipe Manufacturing/Clay Works. RG4
Chemical Manufacturing (Using materials with
Flash Point below 32 Deg C), Bulk Drug
Chemical Manufacturing(others),
73 2044 Pharmaceuticals, Toiletry products RG8
74 2045 Cigar and Cigarette Manufacturing RG7
Cigarette Filter Manufacturing (Using Solvents
75 2046 with Flash Point below 320 C) RG8
76 2047 Cigarette Filter Manufacturing (Others) RG7
77 2048 Cinema Film Production Studios RG5
Cinematography Film Editing, Laboratory and
Sound recording rooms where Film processing is
78 2049 carried out RG5
Cinematography Film Editing, Laboratory and
79 2050 Sound recording rooms without Film processing. RG5
80 2051 Cinema Theatres (For single screen) RG5
Circus, Touring Drama Troupes and Touring
81 2052 Cinema Theatres RG9
Cloth Processing units situated outside the

compound of Textile mills and Cloth processing
units which are not owned by the textile mills
but are situated within the textile mills
82 2053 complex/compound. RG8
Coal/Coke/Charcoal ball and briquettes
84 2055 Coal Processing Plants RG8
85 2056 Coffee Curing, Roasting / Grinding RG4
86 2057 Coir Factories RG7
Collieries - underground Machinery and pit head
87 2058 gear and Dragline Machine used in Collieries RG9
Condensed Milk Factories, Milk Pasteurising
88 2059 Plants and Dairies RG5
Confectionery Manufacturing Plants/Sugar

Candy Manufacturing Plants/Sweet Meat
89 2060 Manufacturing Plants RG5
Contractors Plant and Machinery - At one
90 2061 location only RG6
91 2062 Cork Products Manufacturing RG8
92 2063 Cotton Gin and Press Houses RG9
93 2064 Cotton Seed cleaning / Delinting Factory RG7
94 2065 Dehydration Factories
Detergent Manufacturing with Sulphonation RG4
95 2066 Plant RG6
96 2067 Detergent Manufacturing (Others) RG6
97 2068 Distilleries RG8
98 2069 Duplicating/stencil
Electric Generation paper Manufacturing
Stations - Hydro Power RG7
99 2070 stations RG9
100 2071 Electric Lamp /T.V. Picture Tube Manufacturing RG6
101 2072 Electronic Goods Manufacturing /Assembly RG6
Electronic Software Parks/Electronic Software
102 2073 Development Units RG5
103 2074 Enamel-ware factories RG6
Engineering Workshop - Structural Steel
104 2075 fabricators, Sheet Metal fabricators RG4
Engineering Workshop (Others), Motor Vehicle
105 2076 Garages RG6
106 2077 Exhibitions, Fetes, Mandaps. RG9
107 2078 Explosives / Blasting Factories RG9
Fertiliser Manufacturing (other than those
108 2079 rateable under Petrochemical Tariff) RG8
109 2080 Filter and wax paper Manufacturing RG7
110 2081 Fireworks Manufacturing RG9
111 2082 Flax / Hemp Mills RG7
112 2083 Flour Mills RG6
Foamed Plastics Manufacturing and / or
113 2084 converting plants RG8
114 2085 Foam Rubber Manufacturing RG8
115 2086 French Polish Manufacturing RG7
116 2087 Fruit and vegetable drying/dehydrating factories RG4
Fruit products and Condiment Factories
117 2088 (including fruit pulp
Garment Makers, making)
Topee, Hats and the like RG4
118 2089 makers RG7
119 2090 Ghee Factories including vegetable Ghee mfg. RG6
120 2091 Glass Fibre Manufacturing RG5
121 2092 Glass wool Manufacturing RG5
Glass Manufacturing/Automobile Glass
123 2094 Gold thread factories / Gilding factories RG4
124 2095 Granite Factories using inflammable solvents RG8
125 2096 Granite Factories (Others) RG5
126 2097 Graphite electrode Manufacturing RG5
Grain/seeds disintegrating/crushing/
127 2098 Decorticating factories/ Dal mills. RG7
128 2099 Grease / Wax Manufacturing RG6
129 2100 Green Houses/ Algae/ Spirulina and the like RG8
130 2101 Gum/Glue/Gelatine Manufacturing RG8
131 2102 Gypsum board manufacturer RG5
132 2103 Hosiery, lace, Embroidery/Thread factories RG7
133 2104 Ice candy and Ice cream Manufacturing RG5
134 2105 Ice factories RG5
135 2106 Incandescent Gas mantle Manufacturing RG6
136 2107 Industrial Diamonds Manufacturing RG5
137 2108 Industrial Gas Manufacturing RG7
138 2109 Ink (excluding printing ink) Manufacturing RG7
139 2110 Jaggery Manufacturing RG4
140 2111 Jute Mills RG9
141 2112 Katha Manufacturing RG6
142 2113 Khandsari Sugar Manufacturing RG6
143 2114 Lac or Shellac Factories RG6
144 2115 Leather Cloth Factories RG7
145 2116 Leather Goods Manufacturing (incl. boot/shoe) RG7
146 2117 Lime Kiln RG4
147 2118 Lithographic presses RG7
148 2119 Liquefied Gas Bottling/Recovery Plants RG8
149 2120 Malt Extraction Plants RG7
150 2121 Man-made Fibre Manufacturing (using Cellulose) RG8
151 2122 Man-made Fibre Manufacturing Plant (Others) RG8
152 2123 Manure Blending works RG4
153 2124 Match Factories RG9
154 2125 Mattress and Pillow making RG8
155 2126 Metallizing works (involving metals only) RG7
156 2127 Metallizing Works (others) RG7
157 2128 Metal/Tin printers RG6
158 2129 Mica Products Manufacturing RG4
159 2130 Mineral Oil blending and processing RG6
160 2131 Mosaic Factories RG4
161 2132 Mushroom Growing Premises (Excluding Crops) RG7
162 2133 Nitro Cellulose Manufacturing - Industrial Grade RG9
163 2134 Non-woven fabric Manufacturing RG7
164 2135 Oil Extraction RG8
165 2136 Oil Distillation Plants (essential) RG8
166 2137 Oil Mills refining (Veg/Animal) RG6
167 2138 Oil Mills (Vegetable) RG6
168 2139 Oil and Leather Cloth Factories RG7
169 2140 Paint factories (Water based) RG8
170 2141 Paint (others) and Varnish Factories RG8
171 2142 Paints - Nitrocellulose based RG9
172 2143 Pan
PaperMasala making Mills (including
and Cardboard RG6
173 2144 Lamination) RG7
174 2145 Particle Board Manufacturing RG6
175 2146 Pencil Manufacturing RG5
176 2147 Petroleum Coke Calcination RG8
Plastic Goods Manufacturing (excluding Foam
Plastics)/ I. Using Plastic raw materials having
177 2148 calorific value upto 15,000 btu/lb RG8
Plywood / Wood veneering Factories/
178 2149 Laminating Factories RG7
Polyester Film Manufacturing / BOPP Film
Port Premises including jetties and equipment
180 2151 thereon and other port facilities RG6
181 2152 Poultry Farms (Excluding birds therein) RG7
Presses for coir
182 2153 fibres/waste/Grass/fodder/boosa/Jute RG7
183 2154 Presses for coir yarn / cotton/senna leaves RG7
184 2155 Presses for carpets, rugs and tobacco RG7
185 2156 Presses for hides and skins RG6
Printing Ink Manufacturing / Roller composition
186 2157 factories RG7
187 2158 Printing Press
Pulverising Plants(Metals and non-hazardous RG6
188 2159 goods) RG4
189 2160 Pulverizing Plants (Others) RG5
190 2161 Rice Mills RG7
191 2162 Rice Polishing Units RG6
Rope works (Plastic), Assembling of Plastic
192 2163 Goods such as Toys and the like RG7
193 2164 Rope Works (others) RG7
194 2165 Rubber Factories RG8
195 2166 Rubber Goods Mfg with Spreading RG8
196 2167 Rubber Goods Manufacturing without spreading RG8
197 2168 Salt crushing Factories and Refineries RG3
Saw Mills (including Timber Merchants premises
198 2169 where sawing is done). RG8
199 2170 Sea Food / Meat Processing RG5
200 2171 Silk Mills / Spun Silk Mills RG7
201 2172 Snuff Manufacturing RG7
202 2173 Soap Manufacturing RG5
203 2174 Sponge Iron Plants RG6
204 2175 Spray Painting, Powder coating RG8
205 2176 Stables (excluding animals) RG5
206 2177 Starch Factories RG4
207 2178 Stone quarries RG9
208 2180 Sugar factories RG6
209 2181 Surgical Cotton Manufacturing RG6
210 2183 Tanneries RG4
211 2184 Tapioca factories RG4
212 2185 Tarpaulin and canvas proofing factories RG6
213 2186 Tea blending/packing factories RG6
214 2187 Tea Factories RG6
215 2188 Telephone Exchanges RG4
216 2189 Textile Mills - Spinning mills RG7
217 2190 Tile and Pottery works RG4
218 2191 Tiny sector Industries as per Government Notifica RG4
219 2192 Tissue Culture Premises (Excluding Crops) RG6
220 2193 Tobacco Curing / Redrying Factories RG7
221 2194 Tobacco grinding/ crushing Manufacturing RG8
222 2195 Turpentine and rosin distilleries RG8
223 2196 Tyres and Tubes Manufacturing RG7
224 2197 Tyre Retreading and Resoling factories RG6
225 2198 Umbrella Assembly factories RG4
226 2199 Velvet Cloth Manufacturing RG6
227 2200 Vermicelli factories RG5
228 2201 Weigh Bridges RG2
229 2202 Weaving Mills RG6
230 2203 Wheat Threshers RG8
231 2204 Wood seasoning/treatment/ impregnation RG7
232 2205 Wool cleaning and pressing factories RG7
233 2206 Woollen Mills/Fur garments and accessories RG7
234 2207 Yarn Processing RG7
235 2208 Zip fasteners Manufacturing RG5
Contractors Plant and Machinery anywhere in
236 2209 India (at specified locations) RG4
237 2210 Electric Generation Stations - Others RG7
238 2211 Textile Mills - Composite mills RG7
239 2212 Automobile Filter Manufacturing RG5
240 2213 Lignite Handling System RG8
241 2214 Nitro Cellulose Manufacturing - Others RG9
242 2215 Pilot Plants
Plastic Goods Manufacturing (excluding Foam

Plastics)/II. Using Plastic raw materials having
243 2216 calorific value of above
Electric Generation 15000
Stations btu/Ib Power
- Thermal RG8
244 2217 stations
Electric Generation Stations - Solar Power RG7
245 2218 stations RG7
246 2219 Electric Generation Stations - Windmill RG7
247 2220 Nuclear Power Station RG9
Electric Generation Stations - Biomass Power
248 2221 Stations RG6
249 2222 Engineering Workshop - Steel Plants RG7
250 2223 Engineering Workshop Rolling Mill RG5
Engineering Workshop Pipe Extruding,

Stamping, Pressing, Forging Mills, Metal
251 2224 Smelting, Foundries, Galvanising Work RG5
Engineering Workshop Metal Extraction, Ore

Processing (other than Aluminium, Copper,
252 2225 Zinc), Plant processing Raw Sand into Silica RG7
253 2226 Engineering
Engineering Workshop- Ferro/Plants
Workshop Clock Watch RG7
254 2227 Manufacturing
Engineering Workshop Manufacturing of RG5
255 2228 Diamonds RG5
Multiplex Theatre Complexes / Shopping Malls
256 2229 with Multiplex RG5
257 2230 Shopping Malls (other than Multiplexes) RG5
258 2231 Disposable Diaper Manufacturing RG7
259 2232 Sports Goods Manufacturing RG7
260 3001 Analytical / Quality Control Laboratories RG4
261 3002 Boiler House RG4
262 3003 Dams RG9
263 3004 Effluent /Sewage Treatment Plants RG5
264 3005 Electric Sub-Stations, Loco Sheds RG8
265 3006 Electric Transmission / Distribution Lines RG8
266 3007 Pipe lines (carrying water only) RG7
267 3008 Pipe lines (others) RG5
268 3009 Pump Houses (Water) RG3
269 3010 Pump Houses (Others) RG5
270 3011 Railway tracks assets like toll way, road assets
Roads including RG9
271 3012 etc. RG9
272 3013 Water Treatment Plants / Water Tanks RG5
273 3014 Wireless Transmitting Stations RG5
Compressor Houses - Compressors handling air,
274 3015 Inert Gas and CO2 RG5
275 3016 Compressor
Boundary WallsHouses
- Made- Compressor (others)
up of Combustible RG6
276 3017 Material RG7
277 3018 Boundary Walls - Others RG5
278 3019 Electric Crematoriums RG3
stored therein. (Materials stored in Godowns &
279 4001 Silos) RG4
Storage of Category I hazardous Goods subject

to warranty that goods listed in Category II, III,
Coir waste, Coir fibre and Caddies are not stored
280 4002 therein. (Materials stored in Godowns & Silos) RG8
Storage of hazardous Goods listed in Category II
subject to warranty that goods listed in Category
stored therein.(Materials stored in Godowns &
281 4003 Silos) RG8
Storage of hazardous Goods listed in Category III

subject to warranty that Coir waste, Coir fibre
and, Caddies are not stored therein. (Materials
282 4004 stored in Godowns & Silos) RG9
Transporter's Godowns and Godowns of clearing

and forwarding agents. (Materials stored in
283 4005 Godowns & Silos) RG9
Storage of Coir Waste, Coir Fibre, Caddies
284 4006 (Materials stored in Godowns & Silos) RG9
285 4007 Cold Storage premises RG8
Gas Holders/ Bullets/spheres and storages for
liquefied gases except for Nitrogen, Carbon
286 4008 dioxide and inert gases RG8
Gas Holders/ Vessels for Nitrogen, Carbon
287 4009 dioxide and inert liquids
Tanks containing gases flashing at 320 C and RG7
288 4010 below RG8
289 4011 Tanks (others) RG7

290 4012 stored therein. (Materials stored in Open) RG4
Storage of Category I hazardous Goods subject

to warranty that goods listed in Category II, III,
Coir waste, Coir fibre and Caddies are not stored
291 4013 therein.(Materials stored in Open) RG8
Storage of hazardous Goods listed in Category II

subject to warranty that goods listed in Category
292 4014 stored therein. (Materials stored in Open) RG8
Storage of hazardous Goods listed in Category III

subject to warranty that Coir waste, Coir fibre
and, Caddies are not stored therein. (Materials
293 4015 stored in Open) RG9
Transporter's Godowns and Godowns of clearing
and forwarding agents. (Materials stored in
294 4016 Open) RG9
Storage of Coir Waste, Coir Fibre, Caddies
295 4017 (Materials stored in Open) RG9
296 4018 Bus Terminus RG4
297 4019 Vehicles stored in Open Including Tractors RG5
298 4900 Silent Risk RG8
Loading for Under Insurance waiver

% of Policy
Loading for Under Insurance waiver 0.75%
Loading for Excess Premium Rate

% of Policy
Loading for Excess Premium 0.28%
Spontaneous Combustion Rate

(%o)
Spontaneous Combustion 0.06
Theft Rate
(%o)
Theft 0.002
Forest Fire Rate
Rate per mille
Cover Type (%o)
Forest Fire 0.002
Additions, alterations or extensions Rate

% of Policy
Cover Type Rate
Additions, alterations or extensions 0.15%
Temporary removal of stocks Rate

Rate per mille
Cover Type (%o)
Temporary removal of stocks 0.001
Cover for Specific contents Rate

Rate
Cover for Specific contents 2.00%
Start-Up Expenses Rate

Rate
Start-Up Expenses 5.00%
Professional fees Rate

Rate
Professional fees 0.20%
Cost of Removal of debris rate

% of Policy
Cover Type Rate
Cost for Removal of debris 0.25%
Costs compelled by Municipal Regulations rate

Rate
Costs compelled by Municipal Regulations 0.00%
Stock on floater basis loading

Rate
Stock on floater basis 10.00%
Declaration basis rate

% of Policy
Cover Type
Rate
Declaration 0.00%
Acts of Terrorism Rate
Cover Type
Industry
Cassification
Acts of Terrorism Residential
Acts of Terrorism N industrial
Acts of Terrorism Industrial
Terrorism Excess
Type of Risk % of Claim Minimum Value
Non-Industrial Risks 1% 25,000
Industrial Risks 5% 100,000
Q Rates
Zone III Zone II Zone I
0.109 0.164 0.273
0.109 0.273 0.564
Fire, EQ and STFI Office rate table

Industry EQ rates %o - EQ rates %o - EQ rates %o- EQ rates %o -
FLEXA rate %o
Cassification Zone IV Zone III Zone II Zone I
Non Industrial 0.291 0.055 0.109 0.164 0.273
Non Industrial 0.146 0.055 0.109 0.164 0.273
Non Industrial 0.255 0.055 0.109 0.164 0.273
Non Industrial 0.279 0.055 0.109 0.164 0.273
Non Industrial 0.243 0.055 0.109 0.164 0.273
Non Industrial 0.279 0.055 0.109 0.164 0.273
Non Industrial 0.303 0.055 0.109 0.164 0.273
Non Industrial 0.340 0.055 0.109 0.164 0.273
Non Industrial 0.255 0.055 0.109 0.164 0.273
Non Industrial 0.218 0.055 0.109 0.164 0.273
Non Industrial 0.340 0.055 0.109 0.164 0.273
Non Industrial 0.291 0.055 0.109 0.164 0.273

Non Industrial 0.230 0.055 0.109 0.164 0.273
Non Industrial 0.267 0.055 0.109 0.164 0.273
Non Industrial 0.279 0.055 0.109 0.164 0.273
Non Industrial 0.097 0.055 0.109 0.164 0.273
Non Industrial 0.303 0.055 0.109 0.164 0.273

Non Industrial 0.619 0.055 0.109 0.164 0.273
Non Industrial 1.165 0.055 0.109 0.164 0.273
Non Industrial 0.946 0.055 0.109 0.164 0.273
Non Industrial 1.201 0.055 0.109 0.164 0.273
Non Industrial 1.735 0.055 0.109 0.164 0.273
Non Industrial 0.801 0.055 0.109 0.164 0.273
Non Industrial 1.019 0.055 0.109 0.164 0.273
Non Industrial 1.189 0.055 0.109 0.164 0.273
Non Industrial 0.570 0.055 0.109 0.164 0.273
Non Industrial 0.643 0.055 0.109 0.164 0.273
Non Industrial 1.347 0.055 0.109 0.164 0.273
Industrial 0.170 0.055 0.109 0.164 0.273

Industrial 0.837 0.055 0.109 0.164 0.546
Industrial 0.752 0.055 0.109 0.164 0.546
Industrial 0.970 0.055 0.109 0.164 0.546
Industrial 2.002 0.055 0.109 0.164 0.546
Industrial 1.383 0.055 0.109 0.164 0.546
Industrial 0.352 0.055 0.109 0.164 0.546

Industrial 1.068 0.055 0.109 0.164 0.546
Industrial 0.789 0.055 0.109 0.164 0.546
Industrial 1.298 0.055 0.109 0.164 0.546
Industrial 0.740 0.055 0.109 0.164 0.546
Industrial 0.886 0.055 0.109 0.164 0.546
Industrial 2.523 0.055 0.109 0.164 0.546
Industrial 0.643 0.055 0.109 0.164 0.546
Industrial 0.849 0.055 0.109 0.164 0.546
Industrial 3.227 0.055 0.109 0.164 0.546
Industrial 0.789 0.055 0.109 0.164 0.546
Industrial 1.601 0.055 0.109 0.164 0.546
Industrial 0.825 0.055 0.109 0.164 0.546
Industrial 1.662 0.055 0.109 0.164 0.546
Industrial 1.371 0.055 0.109 0.164 0.546

Industrial 1.177 0.055 0.109 0.164 0.546
Industrial 0.497 0.055 0.109 0.164 0.546
Industrial 0.218 0.055 0.109 0.164 0.546
Industrial 1.237 0.055 0.109 0.164 0.546
Industrial 0.218 0.055 0.109 0.164 0.546
Industrial 1.249 0.055 0.109 0.164 0.546
Industrial 1.892 0.055 0.109 0.164 0.546
Industrial 2.002 0.055 0.109 0.164 0.546
Industrial 1.043 0.055 0.109 0.164 0.546
Industrial 0.801 0.055 0.109 0.164 0.546
Industrial 1.662 0.055 0.109 0.164 0.546
Industrial 1.237 0.055 0.109 0.164 0.546
Industrial 1.723 0.055 0.109 0.164 0.546
Industrial 1.832 0.055 0.109 0.164 0.546
Industrial 2.159 0.055 0.109 0.164 0.546

Industrial 2.026 0.055 0.109 0.164 0.546
Industrial 1.152 0.055 0.109 0.164 0.546
Industrial 0.740 0.055 0.109 0.164 0.546
Industrial 11.488 0.055 0.109 0.164 0.546
Industrial 0.619 0.055 0.109 0.164 0.546
Industrial 0.825 0.055 0.109 0.164 0.546
Industrial 0.946 0.055 0.109 0.164 0.546
Industrial 1.686 0.055 0.109 0.164 0.546
Industrial 1.225 0.055 0.109 0.164 0.546

Industrial 1.031 0.055 0.109 0.164 0.546
Industrial 3.081 0.055 0.109 0.164 0.546

Industrial 1.808 0.055 0.109 0.164 0.546
Industrial 3.203 0.055 0.109 0.164 0.546
Industrial 0.886 0.055 0.109 0.164 0.546
Industrial 0.752 0.055 0.109 0.164 0.546

Industrial 0.485 0.055 0.109 0.164 0.546
Industrial 7.703 0.055 0.109 0.164 0.546
Industrial 1.334 0.055 0.109 0.164 0.546
Industrial 1.977 0.055 0.109 0.164 0.546

Industrial 0.934 0.055 0.109 0.164 0.546
Industrial 0.776 0.055 0.109 0.164 0.546
Industrial 2.511 0.055 0.109 0.164 0.546
Industrial 1.832 0.055 0.109 0.164 0.546
Industrial 0.607 0.055 0.109 0.164 0.546
Industrial 0.995 0.055 0.109 0.164 0.546
Industrial 1.080 0.055 0.109 0.164 0.546

Industrial 2.596 0.055 0.109 0.164 0.546
Industrial 2.171 0.055 0.109 0.164 0.546
Industrial 2.414 0.055 0.109 0.164 0.546
Industrial 0.837 0.055 0.109 0.164 0.546
Industrial 1.492 0.055 0.109 0.164 0.546
Industrial 1.565 0.055 0.109 0.164 0.546
Industrial 1.080 0.055 0.109 0.164 0.546
Industrial 2.305 0.055 0.109 0.164 0.546
Industrial 0.546 0.055 0.109 0.164 0.546
Industrial 1.068 0.055 0.109 0.164 0.546
Industrial 1.007 0.055 0.109 0.164 0.546
Industrial 0.194 0.055 0.109 0.164 0.546

Industrial 1.298 0.055 0.109 0.164 0.546
Industrial 0.388 0.055 0.109 0.164 0.546
Industrial 0.740 0.055 0.109 0.164 0.546

Industrial 3.724 0.055 0.109 0.164 0.546
Industrial 2.766 0.055 0.109 0.164 0.546
Industrial 1.371 0.055 0.109 0.164 0.546

Industrial 2.414 0.055 0.109 0.164 0.546
Industrial 3.045 0.055 0.109 0.164 0.546
Industrial 1.541 0.055 0.109 0.164 0.546
Industrial 1.638 0.055 0.109 0.164 0.546
Industrial 3.239 0.055 0.109 0.164 0.546

Industrial 3.008 0.055 0.109 0.164 0.546
Industrial 3.275 0.055 0.109 0.164 0.546
Industrial 1.068 0.055 0.109 0.164 0.546
Industrial 0.776 0.055 0.109 0.164 0.546

Industrial 1.177 0.055 0.109 0.164 0.546
Industrial 1.456 0.055 0.109 0.164 0.546
Industrial 1.165 0.055 0.109 0.164 0.546
Industrial 1.759 0.055 0.109 0.164 0.546
Industrial 1.116 0.055 0.109 0.164 0.546

Industrial 0.873 0.055 0.109 0.164 0.546
Industrial 0.752 0.055 0.109 0.164 0.546
Industrial 0.352 0.055 0.109 0.164 0.546
Industrial 1.601 0.055 0.109 0.164 0.546
Industrial 1.128 0.055 0.109 0.164 0.546

Industrial 1.735 0.055 0.109 0.164 0.546
Industrial 1.395 0.055 0.109 0.164 0.546
Industrial 1.140 0.055 0.109 0.164 0.546
Industrial 1.177 0.055 0.109 0.164 0.546
Industrial 1.347 0.055 0.109 0.164 0.546
Industrial 0.813 0.055 0.109 0.164 0.546
Industrial 0.813 0.055 0.109 0.164 0.546
Industrial 2.026 0.055 0.109 0.164 0.546
Industrial 0.813 0.055 0.109 0.164 0.546
Industrial 1.613 0.055 0.109 0.164 0.546
Industrial 1.565 0.055 0.109 0.164 0.546
Industrial 0.934 0.055 0.109 0.164 0.546
Industrial 3.130 0.055 0.109 0.164 0.546
Industrial 2.293 0.055 0.109 0.164 0.546
Industrial 1.189 0.055 0.109 0.164 0.546
Industrial 1.698 0.055 0.109 0.164 0.546
Industrial 2.402 0.055 0.109 0.164 0.546
Industrial 1.322 0.055 0.109 0.164 0.546
Industrial 0.825 0.055 0.109 0.164 0.546
Industrial 1.407 0.055 0.109 0.164 0.546
Industrial 1.104 0.055 0.109 0.164 0.546
Industrial 1.152 0.055 0.109 0.164 0.546
Industrial 0.570 0.055 0.109 0.164 0.546
Industrial 0.631 0.055 0.109 0.164 0.546
Industrial 1.177 0.055 0.109 0.164 0.546
Industrial 3.348 0.055 0.109 0.164 0.546
Industrial 3.591 0.055 0.109 0.164 0.546
Industrial 0.704 0.055 0.109 0.164 0.546
Industrial 0.922 0.055 0.109 0.164 0.546
Industrial 2.535 0.055 0.109 0.164 0.546
Industrial 1.262 0.055 0.109 0.164 0.546
Industrial 0.740 0.055 0.109 0.164 0.546
Industrial 0.970 0.055 0.109 0.164 0.546
Industrial 0.910 0.055 0.109 0.164 0.546
Industrial 11.245 0.055 0.109 0.164 0.546
Industrial 2.196 0.055 0.109 0.164 0.546
Industrial 1.674 0.055 0.109 0.164 0.546
Industrial 1.456 0.055 0.109 0.164 0.546
Industrial 1.201 0.055 0.109 0.164 0.546
Industrial 1.165 0.055 0.109 0.164 0.546
Industrial 2.450 0.055 0.109 0.164 0.546
Industrial 1.395 0.055 0.109 0.164 0.546
Industrial 2.208 0.055 0.109 0.164 0.546
Industrial 2.681 0.055 0.109 0.164 0.546
Industrial 1.262 0.055 0.109 0.164 0.546
Industrial 1.262 0.055 0.109 0.164 0.546
Industrial 2.208 0.055 0.109 0.164 0.546
Industrial 2.087 0.055 0.109 0.164 0.546
Industrial 1.152 0.055 0.109 0.164 0.546
Industrial 1.965 0.055 0.109 0.164 0.546
Industrial 3.215 0.055 0.109 0.164 0.546
Industrial 0.813 0.055 0.109 0.164 0.546
Industrial 0.473 0.055 0.109 0.164 0.546

Industrial 0.619 0.055 0.109 0.164 0.546
Industrial 7.376 0.055 0.109 0.164 0.546

Industrial 2.887 0.055 0.109 0.164 0.546
Industrial 2.632 0.055 0.109 0.164 0.546
Industrial 1.941 0.055 0.109 0.164 0.546
Industrial 1.905 0.055 0.109 0.164 0.546

Industrial 1.189 0.055 0.109 0.164 0.546
Industrial 0.607 0.055 0.109 0.164 0.546
Industrial 1.832 0.055 0.109 0.164 0.546
Industrial 0.886 0.055 0.109 0.164 0.546
Industrial 1.019 0.055 0.109 0.164 0.546
Industrial 1.516 0.055 0.109 0.164 0.546

Industrial 0.946 0.055 0.109 0.164 0.546
Industrial 1.905 0.055 0.109 0.164 0.546
Industrial 2.329 0.055 0.109 0.164 0.546
Industrial 1.395 0.055 0.109 0.164 0.546
Industrial 0.546 0.055 0.109 0.164 0.546
Industrial 3.445 0.055 0.109 0.164 0.546

Industrial 1.334 0.055 0.109 0.164 0.546
Industrial 1.019 0.055 0.109 0.164 0.546
Industrial 1.310 0.055 0.109 0.164 0.546
Industrial 1.322 0.055 0.109 0.164 0.546
Industrial 1.031 0.055 0.109 0.164 0.546
Industrial 1.820 0.055 0.109 0.164 0.546
Industrial 0.934 0.055 0.109 0.164 0.546
Industrial 0.910 0.055 0.109 0.164 0.546
Industrial 0.328 0.055 0.109 0.164 0.546
Industrial 0.667 0.055 0.109 0.164 0.546
Industrial 3.106 0.055 0.109 0.164 0.546
Industrial 0.631 0.055 0.109 0.164 0.546
Industrial 1.298 0.055 0.109 0.164 0.546
Industrial 2.766 0.055 0.109 0.164 0.546
Industrial 0.849 0.055 0.109 0.164 0.546
Industrial 1.359 0.055 0.109 0.164 0.546
Industrial 2.341 0.055 0.109 0.164 0.546
Industrial 1.177 0.055 0.109 0.164 0.546
Industrial 0.861 0.055 0.109 0.164 0.546
Industrial #N/A #N/A #N/A 0.164 #N/A
Industrial 0.970 0.055 0.109 0.164 0.546
Industrial 1.444 0.055 0.109 0.164 0.546
Industrial 1.419 0.055 0.109 0.164 0.546
Industrial 4.670 0.055 0.109 0.164 0.546
Industrial 1.116 0.055 0.109 0.164 0.546
Industrial 1.941 0.055 0.109 0.164 0.546
Industrial 1.201 0.055 0.109 0.164 0.546
Industrial 1.674 0.055 0.109 0.164 0.546
Industrial 0.898 0.055 0.109 0.164 0.546
Industrial 1.080 0.055 0.109 0.164 0.546
Industrial 1.055 0.055 0.109 0.164 0.546
Industrial 6.672 0.055 0.109 0.164 0.546
Industrial 1.128 0.055 0.109 0.164 0.546
Industrial 1.674 0.055 0.109 0.164 0.546
Industrial 1.322 0.055 0.109 0.164 0.546
Industrial 1.201 0.055 0.109 0.164 0.546
Industrial 1.856 0.055 0.109 0.164 0.546
Industrial 1.165 0.055 0.109 0.164 0.546

Industrial 0.740 0.055 0.109 0.164 0.546
Industrial 2.002 0.055 0.109 0.164 0.546
Industrial 1.674 0.055 0.109 0.164 0.546
Industrial 0.934 0.055 0.109 0.164 0.546
Industrial 11.245 0.055 0.109 0.164 0.546
Industrial #N/A #N/A #N/A 0.164 #N/A
Industrial 1.553 0.055 0.109 0.164 0.546

Industrial 0.522 0.055 0.109 0.164 0.546
Industrial 0.801 0.055 0.109 0.164 0.546
Industrial 0.898 0.055 0.109 0.164 0.546
Industrial 0.740 0.055 0.109 0.164 0.546
Industrial 0.910 0.055 0.109 0.164 0.546

Industrial 0.497 0.055 0.109 0.164 0.546
Industrial 0.388 0.055 0.109 0.164 0.546
Industrial 0.485 0.055 0.109 0.164 0.546
Industrial 1.080 0.055 0.109 0.164 0.546

Industrial 0.388 0.055 0.109 0.164 0.546
Industrial 2.341 0.055 0.109 0.164 0.546
Industrial 0.813 0.055 0.109 0.164 0.546
Industrial 0.934 0.055 0.109 0.164 0.546
Industrial 0.667 0.055 0.109 0.164 0.273
Industrial 1.674 0.055 0.109 0.164 0.546
Industrial 1.516 0.055 0.109 0.164 0.546
Industrial 0.655 0.055 0.109 0.164 0.546
Industrial 0.546 0.055 0.109 0.164 0.546
Industrial 0.449 0.055 0.109 0.164 0.546
Industrial 0.849 0.055 0.109 0.164 0.546
Industrial 0.315 0.055 0.109 0.164 0.546
Industrial 0.182 0.055 0.109 0.164 0.546
Industrial 0.485 0.055 0.109 0.164 0.546
Industrial 0.582 0.055 0.109 0.164 0.546
Industrial 0.437 0.055 0.109 0.164 0.546
Industrial 1.516 0.055 0.109 0.164 0.546
Industrial 1.092 0.055 0.109 0.164 0.546
Industrial 0.667 0.055 0.109 0.164 0.546
Industrial 0.170 0.055 0.109 0.164 0.546
Industrial 0.631 0.055 0.109 0.164 0.546
Industrial 0.970 0.055 0.109 0.164 0.546

Industrial 2.899 0.055 0.109 0.164 0.546
Industrial 2.159 0.055 0.109 0.164 0.546
Industrial 0.946 0.055 0.109 0.164 0.546
Industrial 0.825 0.055 0.109 0.164 0.546
Industrial 0.558 0.055 0.109 0.164 0.546
Industrial 1.189 0.055 0.109 0.164 0.546
Industrial 2.620 0.055 0.109 0.164 0.546
Industrial 3.761 0.055 0.109 0.164 0.546
Industrial 0.873 0.055 0.109 0.164 0.546
Industrial 7.436 0.055 0.109 0.164 0.546

Industrial 1.298 0.055 0.109 0.164 0.546
Industrial 2.729 0.055 0.109 0.164 0.546
Industrial 1.237 0.055 0.109 0.164 0.546

Industrial 1.710 0.055 0.109 0.164 0.546
Industrial 0.813 0.055 0.109 0.164 0.546
Industrial 2.742 0.055 0.109 0.164 0.546
Industrial 3.045 0.055 0.109 0.164 0.546
Industrial 5.592 0.055 0.109 0.164 0.546
Industrial 6.769 0.055 0.109 0.164 0.546
Industrial 1.116 0.055 0.109 0.164 0.546
Industrial 11.985 0.055 0.109 0.164 0.546

Industrial 4.452 0.055 0.109 0.164 0.546
Industrial 2.827 0.055 0.109 0.164 0.546
Industrial 0.364 0.055 0.109 0.164 0.546
Rate per mille
(%o)
0.08
0.15
0.23
Maximum Value
1,000,000
2,500,000
Aplicable to SME
STFI rate %o Pre UW
0.164 No
0.164 Yes
0.164 Yes
0.164 Yes
0.164 Yes
0.164 Yes
0.164 Yes
0.164 Yes
0.164 No
0.164 No
No
0.164
Yes
0.164
0.164 Yes
0.164 No
0.164 No
Yes
0.164
Yes
0.164
0.164 Yes
0.164 No
0.164 Yes
0.164 No
0.164 Yes
0.164 Yes
0.164 Yes
0.164 No
0.164 No
0.164 No
0.164 No
No
0.164
0.273 Yes
0.273 Yes
0.273 No
0.273 Yes
0.273 No
Yes
0.273
0.273 No
0.273 Yes
0.273 Yes
0.273 Yes
0.273 Yes
0.273 No
0.273 Yes
0.273 Yes
0.273 No
0.273 No
0.273 No
0.273 No
No
0.273
Yes
0.273
0.273 Yes
0.273 Yes
0.273 No
0.273 No
0.273 Yes
0.273 No
0.273 No
0.273 No
0.273 Yes
0.273 No
0.273 No
0.273 Yes
0.273 No
No
0.273
No
0.273
0.273 No
0.273 No
0.273 Yes
0.273 No
0.273 Yes
0.273 Yes
Yes
0.273
No
0.273
No
0.273
0.273 No
No
0.273
0.273 No
0.273 No
No
0.273
No
0.273
0.273 Yes
No
0.273
Yes
0.273
No
0.273
0.273 No
0.273 Yes
0.273 No
No
0.273
Yes
0.273
Yes
0.273
No
0.273
0.273 No
0.273 No
0.273 No
0.273 Yes
0.273 Yes
0.273 No
0.273 No
0.273 No
0.273 No
0.273 Yes
0.273 Yes
Yes
0.273
0.273 No
Yes
0.273
Yes
0.273
0.273 No
0.273 No
No
0.273
0.273 No
0.273 No
0.273 No
0.273 No
No
0.273
0.273 No
0.273 No
0.273 Yes
Yes
0.273
0.273 Yes
0.273 Yes
0.273 Yes
0.273 No
Yes
0.273
0.273 No
0.273 Yes
0.273 No
0.273 No
Yes
0.273
0.273 Yes
0.273 No
0.273 No
0.273 Yes
0.273 Yes
0.273 Yes
0.273 Yes
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
0.273 Yes
0.273 No
0.273 Yes
0.273 No
0.273 Yes
0.273 No
0.273 Yes
0.273 No
0.273 No
0.273 No
0.273 Yes
0.273 No
0.273 Yes
0.273 Yes
0.273 Yes
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
0.273 Yes
0.273 No
0.273 Yes
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
0.273 Yes
0.273 No
0.273 No
0.273 No
No
0.273
No
0.273
No
0.273
No
0.273
0.273 Yes
No
0.273
0.273 No
0.273 No
0.273 No
No
0.273
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
No
0.273
0.273 Yes
0.273 No
0.273 No
0.273 No
0.273 Yes
No
0.273
0.273 Yes
0.273 No
0.273 No
0.273 Yes
0.273 No
0.273 No
0.273 No
0.273 Yes
0.273 No
0.273 Yes
0.273 No
0.273 No
0.273 Yes
0.273 No
0.273 No
0.273 No
0.273 Yes
0.273 No
0.273 No
#N/A Yes
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
0.273 Yes
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
No
0.273
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
#N/A No
No
0.273
0.273 No
0.273 No
0.273 No
0.273 No
No
0.273
0.273 No
0.273 No
No
0.273
No
0.273
0.273 No
0.273 No
0.273 No
No
0.273
0.164 No
0.273 No
0.273 No
0.273 Yes
0.273 No
0.273 No
0.273 Yes
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
0.273 No
0.273 Yes
No
0.273
0.273 No
0.273 No
0.273 No
0.273 No
Yes
0.382
No
0.382
No
0.382
No
0.382
No
0.382
No
0.382
0.382 No
No
0.273
No
0.273
0.273 No
0.273 No
No
1.637
No
1.637
No
1.637
No
1.637
No
1.637
No
1.637
0.273 No
0.273 No
0.273 No
1
7
8
10
11
12
13
14
15
16
17
18
19
1
2
3
4
B
C
D
E
K
L
M
N
O
4
1
3
Business Rules
For Type of Policy - Mandatory Location and Optional Floater/Floater Declaration and If the sub Product Type is Sookshma
(BSUS01)
Max (Sum Insured of each location except Floater location) <= 5 Cr:
If the sub product type is categorized as Sookshma - all locations irrespective of the Sum Insured will be considered as
Sookshma and premium will be computed as per Sookshma Office Rates;
For e.g , If there are 3 locations, then Location 1 SI = 3 Cr; Location 2 SI = 4 Cr; Location 3 SI = 5 Cr; Max SI = Max (3 Cr, 4 Cr
5 Cr) = 5 Cr which is les than or equal to 5 Cr, hence this sub product type is Sookshma
For Type of Policy - Mandatory Location and Optional Floater/Floater Declaration and If the sub Product Type is Laghu
(BLUS01)
Max (Sum Insured of each location except Floater location) > 5 Cr and <= 50 Cr;
If the sub product type is categorized as Laghu - all locations irrespective of the Sum Insured will be considered as Laghu
and premium will be computed as per Laghu Office Rates
For e.g , If there are 3 locations, then Location 1 SI = 4 Cr; Location 2 SI = 15Cr; Location 3 SI = 45 Cr; Max SI = Max (4 Cr, 15
Cr, 45 Cr) = 45 Cr which is les than or equal to 50 Cr, hence this sub product type is Laghu
For Type of Policy - Mandatory Location and Optional Floater/Floater Declaration and If the sub Product Type is SFSP
Max (Sum Insured across all locations except Floater location) > 50 Cr.
For e.g , If there are 3 locations, then Location 1 SI = 4 Cr; Location 2 SI = 15Cr; Location 3 SI = 52 Cr; Max SI = Max (4 Cr, 15
Cr, 52 Cr) = 52 Cr which is gretaer than 50 Cr, hence this sub product type is SFSP
For Type of Policy - Floater/Floater Declaration and If the sub Product Type is Sookshma (BSUS01)
Floater SI <= 5 Cr
For Type of Policy - Floater/Floater Declaration and If the sub Product Type is Laghu (BLUS01)
Floater SI > 5 Cr and <= 50 Cr
For Type of Policy - Floater/Floater Declaration , If floater Sum Insured > 50 Cr then system should throw an error, Please
create quote in FIRSP02, and should not allow the quote to be binded.
Floater cover cannot be added in Multiple locations
For Type of Policy - Mandatory Location and Optional Floater/Floater Declaration -If SFSP/ Fire Cover is added in a location
Floater Cover cannot be added in the same location
Type of Policy is Mandatory Location and Optional Floater/Floater Declaration
In this type of policy Multiple locations can be added with SI for Building, P&M, Stocks and a Separate Floater Location wi
be added with Floater SI defined in that Location
Type of Policy is Mandatory Location and Optional Floater/Floater Declaration and the location is Other than Floater
Location
The covers that can be added in the Location are All covers except Floater Cover; Rest of the covers can be added after
adding the Standard Fire & Special Perils cover
Type of Policy is Mandatory Location and Optional Floater/Floater Declaration and if the location is "Floater Location"
The covers that can be added in the Floater Location are
1) Floater Cover
3) Excess cover
11) Costs compelled by Muncipal regulations
12) Terrorism Cover
Floater Cover is the Primary cover and rest of the covers can be added after adding Floater Cover
Type of Policy = "Only Floater/ Floater Declaration", Only one location (Floater Location ) can be added with Floater Cover
as the Base cover and rest of the covers can be added after adding Floater Cover; The Sum Insured for SFSP, STFI and EQ
cover will be defaulted to Floater Cover SI. The covers that can be added in the Floater Location are
1) SFSP Cover
2) STFI cover
3) EQ Cover
4) Floater Cover
6) Excess cover
15) Terrorism Cover
Floater Cover can be added in a location only if the " Is floater cover opted in this location is Yes"
If the New Biz Classification is "New" then Claims Experience Adjustment will be "0"
For Sub Product type Sookshma , refer office rates - sookshma for all locations to compute premium at particular location
and for Sub Product type - laghu - refer office rates - Laghu for all locations to compute premium at particular location
For Sub Product Type : BLUS01 - Policy can be endorsed for Floater Declaration facility (As an Add On) subject to a
minimum sum insured of Rs 2 Crores (Floater Cover SI should be >= 2 Crores, if declaration cover is added ) and the
minimum retention shall be 80% of the annual premium.
For Sub Product Type : BSUS01 - Policy can be endorsed for Floater Declaration facility (As an Add On) subject to a
minimum sum insured above Rs 1 Crores (Floater Cover SI should be >= 1 Crore, if declaration cover is added ) and the
minimum retention shall be 80% of the annual premium.
For Type of Policy - Mandatory Location and Optional Floater/Floater Declaration ; atleast one Non floater location should
be added before adding the Floater location
Add on covers SI - (Add On SI not to be greater than the basic cover SI)
UW Referral Rule (Sookshma and Laghu)
UW Referral - To be triggered as per UW Referral Authority Matrix
UW Referral - To be triggered as per Risk Inspection Matrix, if the Risk inspection requirement is not "NO"
If the policy term is short period refer to UW level 6
UW referral based on Type of Occupancy (overriding the Referral Matrix based on risk grade and SI)
Type of Occupancy
Wind Mill 2219/ Solar 2218 - above Rs.25 Cr per location

Gas Turbine /CCPP 2217 ;
Hydro electric Power 2070
Windmills 2219 / Solar Power Plant 2218 (Upto 25 crs per location)
Port facilities 2151
Petrochemicals/ Refineries
Chemical 2043 and Pharma 2044
Mid fire and above hazard Warehousing risks - 4003/4004/4014/4015
Man made fibres 2121/2122 & Leather goods 2115/2116/2139
Plastics Manufacturing 2048/2148/2163/2216
Rubber Goods Manufacturing 2085/2165/2116/2167
Paper & Card Board Mills 2033/2144

Heavy Engineering, Automobile
Ship Yard
Biotechnology, Semiconductor manufacturing
Add -on like Molten Metal, Pot Freezing, T&D Line Exposure
Cotton & Ginning & Press 2063- upto Rs.25 Cr per location - UW8 and above 25 crs per location - UW9
Exhibition, Fetes, Mandaps - 2077

Silent Risk - 4900
Business Rules for SFSP Sub product type

All the existing policies in Ebao GS will be defaulted to SFSP Sub product type, and at the time of endorsement, existing
Business rules and premium computation logic for endorsements will be retained
System should validate if the MAX (Location SI ) > 50 Cr for sub product type SFSP and the existing system logic (UI, Cover,
Benefits, Business Rules , Validations,Code tables, Rate Tables, Clauses etc ) will be applied for all the locations. Floater
cover cannot be added for SFSP sub product.
Endorsements for Policies with Risk Start Date on or before 31 Mar 2021 , will be based on Business rules and premium
computation logic implemented at the time of policy issuance.
Renewal Quotation and Renewal of Policies with expiring policy Risk Start Date on or before 31 Mar 2021, will be processe
as Sookshma/ Laghu/ SFSP sub product type based on the Sookshma / Laghu categorization.
Additional Rules for UI

Only one out of the following location details can be Yes
Offices, Shops, Hotels etc.
Industrial / Manufacturing risks
Storage outside Industrial/ Manufacturing risks
Tanks / Gas holders outside Industrial/ Manufacturing risks.
Utilities located outside Industrial/Manufacturing risks.
Boundary wall
Basement storage
Ebao GS - System should allow editing of Sub Product Type (Sookshma to Laghu and Laghu to Sookshma), without the use
re entering the location risk data and cover information, and do premium re calculation and quote binding.
Inbuilt covers should be automatically added in the Ebao GS System without manually adding covers
Referral Level
FIRSP01 Sookshma , FIRSP01 Laghu,BP0001 Sookshma, BP001 Laghu
Referral to UW9
Referral to UW8 FIRSP01 Sookshma , FIRSP01 Laghu,BP0001 Sookshma, BP001 Laghu
One level up based on UW Approval Authority FIRSP01 Sookshma , FIRSP01 Laghu,BP0001 Sookshma, BP001 Laghu
Matrix
Matrix
Matrix
Matrix
Matrix
up to Rs.25 Cr per location at UW 8 level and FIRSP01 Sookshma , FIRSP01 Laghu,BP0001 Sookshma, BP001 Laghu
above Rs.25 cr per location at UW9
Referral to UW8
Referral to UW9
Referral to UW9
Referral to UW9
FIRSP01 Sookshma , FIRSP01 Laghu,BP0001 Sookshma, BP001 Laghu
up to Rs.25 Cr per location - UW 8 and above 25
crs per location - UW9
up to Rs.25 Cr per location - UW 8 and above 25 FIRSP01 Sookshma , FIRSP01 Laghu,BP0001 Sookshma, BP001 Laghu
crs per location - UW9
ookshma, BP001 Laghu


IIB Rate %0 Type of Risk
for Fire
TAC Residential
2019
S No Occupancy Occupancy Description Risk Grade Industrial
Code N Industrial
1 1001 Dwellings RG1 0.14 Residential

2 1001_2 Dwellings: Cooperative Society RG2 0.24 N Industrial
3 1002 Places of worships RG5 0.12 N Industrial
4 1003 Libraries RG2 0.21 N Industrial
5 1004 Museums RG5 0.23 N Industrial
6 1005 Schools / Colleges RG2 0.20 N Industrial
7 1006 Hospitals including X-ray and
other Diagnostic clinics RG4 0.23 N Industrial
8 1007 Office premises / Meeting Rooms

RG3 0.25 N Industrial
9 1008 Auditoriums / Planetarium RG5 0.28 N Industrial

10 1009 Mess Houses / Clubs RG4 0.21 N Industrial
11 1010 Marriage Halls RG4 0.18 N Industrial
12 1011 Showrooms and display centres
where goods are kept for display
and no sales are carried out RG4 0.28 N Industrial
13 1012 Educational and Research

Institutes imparting training in RG4 0.24 N Industrial
various crafts
14 1013 Lodging/Boarding Houses RG3 0.19 N Industrial

15 1014 Cycle Shed RG4 0.22 N Industrial
16 1015 Dish Antenna RG4 0.23 N Industrial
17 1016 Indoor stadiums, Health Club,
Gymnasium and Swimming Pool RG3 0.08 N Industrial
18 1017 Cafes, Restaurants, Hotels,

Confectioner and Sweet meat RG5 0.25 N Industrial
sellers, Health Resorts
19 1018 Laundries / Dry Cleaning RG4 0.51 N Industrial

20 1019 Battery Charging Service Stations
21 1020 Amusement parks RG4 0.78 N Industrial

22 1021 Hoarding, Neon signs RG4 0.99 N Industrial
23 1022 Sports Galleries, Outdoor
stadiums. RG4 1.43 N Industrial
24 1023 Shops dealing in goods otherwise

not provided for RG4 0.66 N Industrial
25 1024 Shops dealing in hazardous goods
26 1025 Arms and Ammunition dealers RG9 0.98 N Industrial

27 1026 Motor Vehicle showroom
including sales and service RG5 0.47 N Industrial
28 1027 Fuel Station- Petrol / Diesel Kiosks

(without CNG) RG4 0.53 N Industrial

(with CNG) RG4 1.11 N Industrial
30 1029 Data Processing/Call

Centres/Business Process RG4 0.14 N Industrial
Outsourcing Centres
31 2001 Abrasive Manufacturing RG3 0.69 Industrial

32 2002 Aerated Water Factories RG3 0.62 Industrial
33 2003 Aerial Ropeway including trolley
stations RG5 0.80 Industrial
34 2004 Agarbatti manufacturing RG7 1.65 Industrial

35 2005 Aircraft Hangers RG6 1.14 Industrial
36 2006 Airport Terminal Buildings
(including all facilities like Cafes, RG4 0.29 Industrial
Shops etc)
37 2007 Aluminium/ Magnesium Powder

Plants RG8 0.88 Industrial
38 2008 Aluminium, Zinc, Copper Factories

RG7 0.65 Industrial
39 2009 Areca nut and/or Betel nut

factories RG5 1.07 Industrial
40 2010 Asbestos Steam Packing and

lagging manufacturing RG5 0.61 Industrial
41 2011 Atta and Cereal Grinding

(excluding Dal Mills) RG5 0.73 Industrial
42 2012 Audio/Video Cassette

Manufacturing RG6 2.08 Industrial
43 2013 Automobile Manufacturing RG7 0.53 Industrial

44 2014 Bakeries RG4 0.70 Industrial
45 2015 Basket Weavers and Cane
Furniture Makers RG6 2.66 Industrial
46 2016 Battery Manufacturing RG7 0.65 Industrial

47 2017 Beedi Factories RG7 1.32 Industrial
48 2018 Biscuit Factories RG5 0.68 Industrial
49 2019 Bituminised Paper and / or
Hessian Cloth Manufacturing
including Tar Felt Manufacturing. RG6 1.37 Industrial
50 2020 Book Binders, Envelope and Paper

Bag Manufacturing RG5 1.13 Industrial
51 2021 Breweries RG6 0.97 Industrial

52 2022 Brickworks (including refractories
and fire bricks) RG4 0.41 Industrial
53 2023 Bridges - Concrete/Steel RG9 0.18 Industrial

54 2024 Bridges-Wooden RG9 1.02 Industrial
55 2025 Building In course of construction
RG4 0.18 Industrial
56 2026 Cable Manufacturing RG6 1.03 Industrial

57 2027 Camphor Manufacturing RG7 1.56 Industrial
58 2028 Candle Works RG7 1.65 Industrial
59 2029 Canning Factories RG4 0.86 Industrial
60 2030 Capsule Manufacturing RG8 0.66 Industrial
61 2031 Carbon paper / Typewriter Ribbon
62 2032 Cardamom Factories RG7 1.02 Industrial

63 2033 Cardboard Box Manufacturing RG7 1.42 Industrial
64 2034 Carpenters, Wood wool
Manufacturing, Furniture
Manufacturing and other wood
worker shops (excluding saw mill) RG6 1.51 Industrial
65 2035 Carpet and Drugget

(Cotton/jute/wool)
66 2036 Carpet and Drugget

Manufacturing (Others) RG7 1.67 Industrial
67 2037 Cashew nut Factories RG5 0.95 Industrial

68 2038 Cattle feed Mill RG4 0.61 Industrial
69 2039 Celluloid Goods Manufacturing
RG9 9.47 Industrial
70 2040 Cement / asbestos/concrete

products Manufacturing RG5 0.51 Industrial
71 2041 Cement Factories RG5 0.68 Industrial

72 2042 Ceramic Factories and Crockery
and Stoneware pipe RG4 0.78 Industrial
Manufacturing/Clay Works.
73 2043 Chemical Manufacturing (Using

materials with Flash Point below
32 Deg C), Bulk Drug RG8 1.39 Industrial
Manufacturing
74 2044 Chemical Manufacturing(others),

Pharmaceuticals, Toiletry
products RG8 1.01 Industrial
75 2045 Cigar and Cigarette

76 2046 Cigarette Filter Manufacturing

(Using Solvents with Flash Point RG8 2.54 Industrial
below 320 C)
77 2047 Cigarette Filter Manufacturing
(Others) RG7 1.49 Industrial
78 2048 Cinema Film Production Studios

RG5 2.64 Industrial
79 2049 Cinematography Film Editing,

Laboratory and Sound recording
rooms where Film processing is RG5 0.73 Industrial
carried out
80 2050 Cinematography Film Editing,

Laboratory and Sound recording
rooms without Film processing. RG5 0.62 Industrial
81 2051 Cinema Theatres (For single

screen) RG5 0.40 Industrial
82 2052 Circus, Touring Drama Troupes

and Touring Cinema Theatres RG9 6.35 Industrial
83 2053 Cloth Processing units situated

outside the compound of Textile
mills and Cloth processing units
which are not owned by the
textile mills but are situated
within the textile mills RG8 1.10 Industrial
complex/compound.
84 2054 Coal/Coke/Charcoal ball and

briquettes Manufacturing RG8 1.63 Industrial
85 2055 Coal Processing Plants RG8 0.77 Industrial

86 2056 Coffee Curing, Roasting / Grinding
RG4 0.64 Industrial
87 2057 Coir Factories RG7 2.07 Industrial

88 2058 Collieries - underground
Machinery and pit head gear and
Dragline Machine used in RG9 1.51 Industrial
Collieries
89 2059 Condensed Milk Factories, Milk

Pasteurising Plants and Dairies RG5 0.50 Industrial
90 2060 Confectionery Manufacturing

Plants/Sugar Candy
Manufacturing Plants/Sweet RG5 0.82 Industrial
Meat Manufacturing Plants
91 2061 Contractors Plant and Machinery

- At one location only RG6 0.89 Industrial
92 2062 Cork Products Manufacturing RG8 2.14 Industrial

93 2063 Cotton Gin and Press Houses RG9 1.79 Industrial
94 2064 Cotton Seed cleaning / Delinting
Factory RG7 1.99 Industrial
95 2065 Dehydration Factories RG4 0.69 Industrial
96 2066 Detergent Manufacturing with
Sulphonation Plant RG6 1.23 Industrial
97 2067 Detergent Manufacturing

(Others) RG6 1.29 Industrial
98 2068 Distilleries RG8 0.89 Industrial

99 2069 Duplicating/stencil paper
100 2070 Electric Generation Stations -

Hydro Power stations RG9 0.45 Industrial
101 2071 Electric Lamp /T.V. Picture Tube

102 2072 Electronic Goods

Manufacturing /Assembly RG6 0.83 Industrial
103 2073 Electronic Software

Parks/Electronic Software RG5 0.16 Industrial
Development Units
104 2074 Enamel-ware factories RG6 1.07 Industrial

105 2075 Engineering Workshop -
Structural Steel fabricators, Sheet RG4 0.32 Industrial
Metal fabricators
106 2076 Engineering Workshop (Others),

Motor Vehicle Garages RG6 0.61 Industrial
107 2077 Exhibitions, Fetes, Mandaps. RG9 3.07 Industrial

108 2078 Explosives / Blasting Factories RG9 2.28 Industrial
109 2079 Fertiliser Manufacturing (other
than those rateable under RG8 1.13 Industrial
Petrochemical Tariff)
110 2080 Filter and wax paper

111 2081 Fireworks Manufacturing RG9 2.51 Industrial

112 2082 Flax / Hemp Mills RG7 1.27 Industrial
113 2083 Flour Mills RG6 1.35 Industrial
114 2084 Foamed Plastics Manufacturing
and / or converting plants RG8 2.67 Industrial
115 2085 Foam Rubber Manufacturing RG8 2.48 Industrial

116 2086 French Polish Manufacturing RG7 2.70 Industrial
117 2087 Fruit and vegetable
drying/dehydrating factories RG4 0.88 Industrial
118 2088 Fruit products and Condiment

Factories (including fruit pulp RG4 0.64 Industrial
making)
119 2089 Garment Makers, Topee, Hats and

the like makers RG7 0.97 Industrial
120 2090 Ghee Factories including

vegetable Ghee mfg. RG6 1.20 Industrial
121 2091 Glass Fibre Manufacturing RG5 0.96 Industrial
122 2092 Glass wool Manufacturing RG5 1.45 Industrial
123 2093 Glass Manufacturing/Automobile
Glass Manufacturing RG5 0.92 Industrial
124 2094 Gold thread factories / Gilding

125 2095 Granite Factories using

inflammable solvents RG8 0.62 Industrial
126 2096 Granite Factories (Others) RG5 0.29 Industrial

127 2097 Graphite electrode Manufacturing
RG5 1.32 Industrial
128 2098 Grain/seeds

disintegrating/crushing/
Decorticating factories/ Dal mills. RG7 0.93 Industrial
129 2099 Grease / Wax Manufacturing RG6 1.43 Industrial

130 2100 Green Houses/ Algae/ Spirulina
and the like RG8 1.15 Industrial
131 2101 Gum/Glue/Gelatine

132 2102 Gypsum board manufacturer RG5 0.97 Industrial

133 2103 Hosiery, lace, Embroidery/Thread
134 2104 Ice candy and Ice cream

135 2105 Ice factories RG5 0.67 Industrial

136 2106 Incandescent Gas mantle
137 2107 Industrial Diamonds

138 2108 Industrial Gas Manufacturing RG7 1.33 Industrial

139 2109 Ink (excluding printing ink)
140 2110 Jaggery Manufacturing RG4 0.77 Industrial

141 2111 Jute Mills RG9 2.58 Industrial
142 2112 Katha Manufacturing RG6 1.89 Industrial
143 2113 Khandsari Sugar Manufacturing
RG6 0.98 Industrial
144 2114 Lac or Shellac Factories RG6 1.40 Industrial

145 2115 Leather Cloth Factories RG7 1.98 Industrial
146 2116 Leather Goods Manufacturing
(incl. boot/shoe) RG7 1.09 Industrial
147 2117 Lime Kiln RG4 0.68 Industrial

148 2118 Lithographic presses RG7 1.16 Industrial
149 2119 Liquefied Gas Bottling/Recovery
150 2120 Malt Extraction Plants RG7 0.95 Industrial

151 2121 Man-made Fibre Manufacturing
(using Cellulose) RG8 0.47 Industrial
152 2122 Man-made Fibre Manufacturing

Plant (Others) RG8 0.52 Industrial
153 2123 Manure Blending works RG4 0.97 Industrial

154 2124 Match Factories RG9 2.76 Industrial
155 2125 Mattress and Pillow making RG8 2.96 Industrial
156 2126 Metallizing works (involving
metals only) RG7 0.58 Industrial
157 2127 Metallizing Works (others) RG7 0.76 Industrial

158 2128 Metal/Tin printers RG6 2.09 Industrial
159 2129 Mica Products Manufacturing RG4 1.04 Industrial
160 2130 Mineral Oil blending and
processing RG6 0.61 Industrial
161 2131 Mosaic Factories RG4 0.80 Industrial

162 2132 Mushroom Growing Premises
(Excluding Crops) RG7 0.75 Industrial
163 2133 Nitro Cellulose Manufacturing -

Industrial Grade RG9 9.27 Industrial
164 2134 Non-woven fabric Manufacturing

RG7 1.81 Industrial
165 2135 Oil Extraction RG8 1.38 Industrial

166 2136 Oil Distillation Plants (essential)
RG8 1.20 Industrial
167 2137 Oil Mills refining (Veg/Animal)

RG6 0.99 Industrial
168 2138 Oil Mills (Vegetable) RG6 0.96 Industrial

169 2139 Oil and Leather Cloth Factories
RG7 2.02 Industrial
170 2140 Paint factories (Water based) RG8 1.15 Industrial

171 2141 Paint (others) and Varnish
Factories RG8 1.82 Industrial
172 2142 Paints - Nitrocellulose based RG9 2.21 Industrial

173 2143 Pan Masala making RG6 1.04 Industrial
174 2144 Paper and Cardboard Mills
(including Lamination) RG7 1.04 Industrial
175 2145 Particle Board Manufacturing RG6 1.82 Industrial

176 2146 Pencil Manufacturing RG5 1.72 Industrial
177 2147 Petroleum Coke Calcination RG8 0.95 Industrial
178 2148 Plastic Goods Manufacturing
(excluding Foam Plastics)/ I. Using
Plastic raw materials having RG8 1.62 Industrial
calorific value upto 15,000 btu/lb
179 2149 Plywood / Wood veneering

Factories/ Laminating Factories RG7 2.65 Industrial
180 2150 Polyester Film Manufacturing /
BOPP Film Manufacturing RG7 0.67 Industrial
181 2151 Port Premises including jetties

and equipment thereon and other
port facilities RG6 0.39 Industrial
182 2152 Poultry Farms (Excluding birds

therein) RG7 0.51 Industrial
183 2153 Presses for coir

fibres/waste/Grass/fodder/boosa RG7 6.08 Industrial
/Jute
184 2154 Presses for coir yarn /

cotton/senna leaves RG7 2.38 Industrial
185 2155 Presses for carpets, rugs and

tobacco RG7 2.17 Industrial
186 2156 Presses for hides and skins RG6 1.60 Industrial
187 2157 Printing Ink Manufacturing /
Roller composition factories RG7 1.57 Industrial
188 2158 Printing Press RG6 0.98 Industrial

189 2159 Pulverising Plants(Metals and
non-hazardous goods) RG4 0.50 Industrial
190 2160 Pulverizing Plants (Others) RG5 1.51 Industrial

191 2161 Rice Mills RG7 0.73 Industrial
192 2162 Rice Polishing Units RG6 0.84 Industrial
193 2163 Rope works (Plastic), Assembling
of Plastic Goods such as Toys and RG7 1.25 Industrial
the like
194 2164 Rope Works (others) RG7 0.78 Industrial

195 2165 Rubber Factories RG8 1.57 Industrial
196 2166 Rubber Goods Mfg with
Spreading RG8 1.92 Industrial
197 2167 Rubber Goods Manufacturing

without spreading RG8 1.15 Industrial
198 2168 Salt crushing Factories and

Refineries RG3 0.45 Industrial
199 2169 Saw Mills (including Timber

Merchants premises where RG8 2.84 Industrial
sawing is done).
200 2170 Sea Food / Meat Processing RG5 1.10 Industrial

201 2171 Silk Mills / Spun Silk Mills RG7 0.84 Industrial
202 2172 Snuff Manufacturing RG7 1.08 Industrial
203 2173 Soap Manufacturing RG5 1.09 Industrial
204 2174 Sponge Iron Plants RG6 0.85 Industrial
205 2175 Spray Painting, Powder coating
RG8 1.50 Industrial
206 2176 Stables (excluding animals) RG5 0.77 Industrial

207 2177 Starch Factories RG4 0.75 Industrial
208 2178 Stone quarries RG9 0.27 Industrial
209 2180 Sugar factories RG6 0.55 Industrial
210 2181 Surgical Cotton Manufacturing RG6 2.56 Industrial
211 2183 Tanneries RG4 0.52 Industrial
212 2184 Tapioca factories RG4 1.07 Industrial
213 2185 Tarpaulin and canvas proofing
214 2186 Tea blending/packing factories

RG6 0.70 Industrial
215 2187 Tea Factories RG6 1.12 Industrial

216 2188 Telephone Exchanges RG4 1.93 Industrial
217 2189 Textile Mills - Spinning mills RG7 0.97 Industrial
218 2190 Tile and Pottery works RG4 0.71 Industrial
219 2191 Tiny sector
RG4 2.86 Industrial
220 2192 Tissue Culture Premises
(Excluding Crops) RG6 0.80 Industrial
221 2193 Tobacco Curing / Redrying

Factories RG7 1.19 Industrial
222 2194 Tobacco grinding/ crushing

223 2195 Turpentine and rosin distilleries

RG8 3.85 Industrial
224 2196 Tyres and Tubes Manufacturing

RG7 0.92 Industrial
225 2197 Tyre Retreading and Resoling

226 2198 Umbrella Assembly factories RG4 0.99 Industrial

227 2199 Velvet Cloth Manufacturing RG6 1.38 Industrial
228 2200 Vermicelli factories RG5 0.74 Industrial
229 2201 Weigh Bridges RG2 0.89 Industrial
230 2202 Weaving Mills RG6 0.87 Industrial
231 2203 Wheat Threshers RG8 5.50 Industrial
232 2204 Wood seasoning/treatment/
impregnation RG7 0.93 Industrial
233 2205 Wool cleaning and pressing

234 2206 Woollen Mills/Fur garments and

accessories RG7 1.09 Industrial
235 2207 Yarn Processing RG7 0.99 Industrial

236 2208 Zip fasteners Manufacturing RG5 1.53 Industrial
anywhere in India (at specified RG4 0.96 Industrial
locations)

Others RG7 0.61 Industrial
239 2211 Textile Mills - Composite mills RG7 1.65 Industrial

240 2212
Automobile Filter Manufacturing RG5 1.38 Industrial
241 2213 Lignite Handling System RG8 0.77 Industrial

242 2214 Nitro Cellulose Manufacturing -
RG9 9.27 Industrial
Others
243 2215
To be rated as
per the
Pilot Plants Industrial
manufacturing
facility
244 2216 Plastic Goods Manufacturing
(excluding Foam Plastics)/II. Using
Plastic raw materials having
calorific value of above 15000 RG8 1.28 Industrial
btu/Ib

Thermal Power stations RG7 0.43 Industrial

Solar Power stations RG7 0.66 Industrial

Windmill RG7 0.74 Industrial
248 2220 Nuclear Power Station RG9 0.61 Industrial

Biomass Power Stations RG6 0.75 Industrial
250 2222 Engineering Workshop - Steel

251 2223 Engineering Workshop Rolling

Mill RG5 0.32 Industrial
252 2224 Engineering Workshop Pipe

Extruding, Stamping, Pressing,
Forging Mills, Metal Smelting, RG5 0.40 Industrial
Foundries, Galvanising Work
253 2225 Engineering Workshop Metal

Extraction, Ore Processing (other
than Aluminium, Copper, Zinc),
Plant processing Raw Sand into RG7 0.89 Industrial
Silica
254 2226 Engineering Workshop- Ferro

255 2227 Engineering Workshop Clock /

Watch Manufacturing RG5 1.93 Industrial
256 2228 Engineering Workshop

Manufacturing of Diamonds RG5 0.67 Industrial
257 2229 Multiplex Theatre Complexes /

Shopping Malls with Multiplex RG5 0.77 Industrial
258 2230 Shopping Malls (other than

Multiplexes) RG5 0.55 N Industrial
259 2231 Disposable Diaper Manufacturing

RG7 1.38 Industrial
260 2232 Sports Goods Manufacturing RG7 1.25 Industrial

261 3001 Analytical / Quality Control
Laboratories RG4 0.54 Industrial
262 3002 Boiler House RG4 0.45 Industrial

263 3003 Dams RG9 0.37 Industrial
264 3004 Effluent /Sewage Treatment
265 3005 Electric Sub-Stations, Loco Sheds

RG8 0.26 Industrial
266 3006 Electric Transmission /

Distribution Lines RG8 0.15 Industrial
267 3007 Pipe lines (carrying water only)

RG7 0.40 Industrial
268 3008 Pipe lines (others) RG5 0.48 Industrial

269 3009 Pump Houses (Water) RG3 0.36 Industrial
270 3010 Pump Houses (Others) RG5 1.25 Industrial
271 3011 Railway tracks RG9 0.90 Industrial
272 3012 Roads RG9 0.55 Industrial
273 3013 Water Treatment Plants / Water
Tanks RG5 0.14 Industrial
274 3014 Wireless Transmitting Stations RG5 0.52 Industrial

275 3015 Compressor Houses -
Compressors handling air, Inert RG5 0.80 Industrial
Gas and CO2
276 3016 Compressor Houses - Compressor

(others) RG6 2.39 Industrial
277 3017 Boundary Walls - Made up of

Combustible Material RG7 1.78 Industrial
278 3018 Boundary Walls - Others RG5 0.78 Industrial

279 3019 Electric Crematoriums RG3 0.68 Industrial
280 4001 Storage of Non-hazardous goods
subject to warranty that
hazardous goods of Category I, II,
III, Coir waste, Coir fibre and
Caddies are not stored therein. RG4 0.46 Industrial
(Materials stored in Godowns &
Silos)
281 4002 Storage of Category I hazardous

Goods subject to warranty that
goods listed in Category II, III, Coir
waste, Coir fibre and Caddies are
not stored therein. (Materials RG8 0.98 Industrial
stored in Godowns & Silos)
282 4002 Storage of hazardous Goods listed
in Category II subject to warranty
that goods listed in Category III,
Coir waste, Coir fibre and Caddies
are not stored therein.(Materials RG8 2.16 Industrial

in Category III subject to warranty
that Coir waste, Coir fibre and,
(Materials stored in Godowns &
Silos)
284 4005 Transporter's Godowns and

forwarding agents. (Materials RG9 0.72 Industrial
285 4006 Storage of Coir Waste, Coir Fibre,

Caddies (Materials stored in RG9 6.13 Industrial
Godowns & Silos)
286 4007 Cold Storage premises RG8 1.07 Industrial

287 4008 Gas Holders/ Bullets/spheres and
storages for liquefied gases
except for Nitrogen, Carbon
dioxide and inert gases RG8 2.25 Industrial
288 4009 Gas Holders/ Vessels for Nitrogen,

Carbon dioxide and inert gases RG7 1.02 Industrial
289 4010 Tanks containing liquids flashing

at 320 C and below RG8 1.41 Industrial
290 4011 Tanks (others) RG7 0.67 Industrial

291 4012 Storage of Non-hazardous goods
subject to warranty that
hazardous goods of Category I, II,
III, Coir waste, Coir fibre and
(Materials stored in Open)
292 4013 Storage of Category I hazardous

Goods subject to warranty that
goods listed in Category II, III, Coir
waste, Coir fibre and Caddies are
not stored therein.(Materials RG8 2.51 Industrial
stored in Open)
in Category II subject to warranty
that goods listed in Category III,
Coir waste, Coir fibre and Caddies
are not stored therein. (Materials RG8 4.61 Industrial
stored in Open)

in Category III subject to warranty
that Coir waste, Coir fibre and,
295 4016 Transporter's Godowns and

forwarding agents. (Materials RG9 0.92 Industrial
stored in Open)
296 4017 Storage of Coir Waste, Coir Fibre,

Caddies (Materials stored in RG9 9.88 Industrial
Open)
297 4018 Bus Terminus RG4 3.67 Industrial

298 4019 Vehicles stored in Open Including
Tractors RG5 2.33 Industrial
299 4900 Silent Risk RG8 0.30 Industrial

Type of Risk Min STFI Rate Min EQ Rate %0
for Terrorism
Residential -
0.008%
Industrial -
%0 Zone IV Zone III Zone II Zone I
0.023% N
Industrial -
0.015%
Residential 0.075 0.050 0.050 0.050 0.050
N Industrial 0.15 0.050 0.100 0.150 0.250

N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250

N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250

N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250

N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250

N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250
N Industrial 0.15 0.050 0.100 0.150 0.250
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial -
0.142 0.142 0.142 0.142
0.023(%)
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
N Industrial 0.15 0.050 0.100 0.150 0.250
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 1.50 0.225 0.225 0.250 0.500
Industrial 1.50 0.225 0.225 0.250 0.500
Industrial 1.50 0.225 0.225 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 1.50 0.225 0.225 0.250 0.500
Industrial 1.50 0.225 0.225 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.35 0.050 0.100 0.250 0.500
Industrial 0.35 0.050 0.100 0.250 0.500

Industrial 0.35 0.050 0.100 0.250 0.500
Industrial 0.35 0.050 0.100 0.250 0.500
Industrial 0.35 0.050 0.100 0.250 0.500
Industrial 0.35 0.050 0.100 0.250 0.500
Industrial 0.35 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500
Industrial 1.50 0.050 0.100 0.250 0.500
Industrial 1.50 0.050 0.100 0.250 0.500

Industrial 1.50 0.050 0.100 0.250 0.500
Industrial 1.50 0.050 0.100 0.250 0.500
Industrial 1.50 0.050 0.100 0.250 0.500
Industrial 1.50 0.050 0.100 0.250 0.500
Industrial 1.50 0.050 0.100 0.250 0.500
Industrial 1.50 0.050 0.100 0.250 0.500
Industrial 0.25 0.050 0.100 0.250 0.500

Min Pricing (IIB + STFI + EQ)
For SME Pre UW
Aplicable to Burglary
Zone IV Zone III Zone II Zone I
SME Pre UW Rate %
0.265 0.265 0.265 0.265 Yes 0.035
0.440 0.490 0.540 0.640 No

0.320 0.370 0.420 0.520 Yes 0.035
0.410 0.460 0.510 0.610 Yes 0.035
0.430 0.480 0.530 0.630 Yes 0.035
0.400 0.450 0.500 0.600 Yes 0.035
0.430 0.480 0.530 0.630 Yes 0.035
0.450 0.500 0.550 0.650 Yes 0.035
0.480 0.530 0.580 0.680 Yes 0.035

0.410 0.460 0.510 0.610 No
0.380 0.430 0.480 0.580 No
0.480 0.530 0.580 0.680 No
0.440 0.490 0.540 0.640 Yes 0.035
0.390 0.440 0.490 0.590 Yes 0.035

0.420 0.470 0.520 0.620 No
0.430 0.480 0.530 0.630 No
0.280 0.330 0.380 0.480 Yes 0.035
0.450 0.500 0.550 0.650 Yes 0.035
0.710 0.760 0.810 0.910 Yes 0.035
1.160 1.210 1.260 1.360 No
0.980 1.030 1.080 1.180 Yes 0.035

1.190 1.240 1.290 1.390 No
1.630 1.680 1.730 1.830 Yes 0.035
0.860 0.910 0.960 1.060 Yes 0.035

1.040 1.090 1.140 1.240 Yes 0.035
1.180 1.230 1.280 1.380 No
0.670 0.720 0.770 0.870 No
0.730 0.780 0.830 0.930 No
1.310 1.360 1.410 1.510 No
0.340 0.390 0.440 0.540 No
0.990 1.040 1.190 1.440 Yes 0.035

0.920 0.970 1.120 1.370 Yes 0.035
1.100 1.150 1.300 1.550 No
1.950 2.000 2.150 2.400 Yes 0.035

1.440 1.490 1.640 1.890 No
0.590 0.640 0.790 1.040 Yes 0.035
1.180 1.230 1.380 1.630 No
0.950 1.000 1.150 1.400 Yes 0.035
1.370 1.420 1.570 1.820 Yes 0.035
0.910 0.960 1.110 1.360 Yes 0.035
1.030 1.080 1.230 1.480 Yes 0.035
2.380 2.430 2.580 2.830 No
0.830 0.880 1.030 1.280 Yes 0.035

1.000 1.050 1.200 1.450 Yes 0.035
2.960 3.010 3.160 3.410 No
0.950 1.000 1.150 1.400 No

1.620 1.670 1.820 2.070 No
0.980 1.030 1.180 1.430 No
1.670 1.720 1.870 2.120 No
1.430 1.480 1.630 1.880 Yes 0.035
1.270 1.320 1.470 1.720 Yes 0.035

0.710 0.760 0.910 1.160 Yes 0.035
0.480 0.530 0.680 0.930 No

1.320 1.370 1.520 1.770 No
0.480 0.530 0.680 0.930 Yes 0.035
1.330 1.380 1.530 1.780 No

1.860 1.910 2.060 2.310 No
1.950 2.000 2.150 2.400 No
1.160 1.210 1.360 1.610 Yes 0.035
0.960 1.010 1.160 1.410 No
1.670 1.720 1.870 2.120 No
1.320 1.370 1.520 1.770 Yes 0.035

1.720 1.770 1.920 2.170 No
1.810 1.860 2.010 2.260 No
2.080 2.130 2.280 2.530 No
1.970 2.020 2.170 2.420 No
1.250 1.300 1.450 1.700 No

0.910 0.960 1.110 1.360 Yes 0.035
9.770 9.820 9.970 10.220 No
0.810 0.860 1.010 1.260 Yes 0.035
0.980 1.030 1.180 1.430 Yes 0.035
1.080 1.130 1.280 1.530 Yes 0.035
1.690 1.740 1.890 2.140 No
1.310 1.360 1.510 1.760 No
1.150 1.200 1.350 1.600 No
2.840 2.890 3.040 3.290 No

1.790 1.840 1.990 2.240 No
2.940 2.990 3.140 3.390 No
1.030 1.080 1.230 1.480 No
0.920 0.970 1.120 1.370 No
0.700 0.750 0.900 1.150 Yes 0.035
6.650 6.700 6.850 7.100 No
1.400 1.450 1.600 1.850 Yes 0.035
1.930 1.980 2.130 2.380 No
1.070 1.120 1.270 1.520 No
0.940 0.990 1.140 1.390 Yes 0.035
2.370 2.420 2.570 2.820 No
1.810 1.860 2.010 2.260 No
0.800 0.850 1.000 1.250 Yes 0.035
1.120 1.170 1.320 1.570 Yes 0.035
1.190 1.240 1.390 1.640 No
2.440 2.490 2.640 2.890 No

2.090 2.140 2.290 2.540 No
2.290 2.340 2.490 2.740 No

0.990 1.040 1.190 1.440 Yes 0.035
1.530 1.580 1.730 1.980 Yes 0.035
1.590 1.640 1.790 2.040 No
1.190 1.240 1.390 1.640 No
2.200 2.250 2.400 2.650 No
0.750 0.800 0.950 1.200 No
1.180 1.230 1.380 1.630 Yes 0.035
1.130 1.180 1.330 1.580 Yes 0.035
0.460 0.510 0.660 0.910 Yes 0.035
1.370 1.420 1.570 1.820 No
0.620 0.670 0.820 1.070 Yes 0.035
0.910 0.960 1.110 1.360 Yes 0.035
3.370 3.420 3.570 3.820 No

2.580 2.630 2.780 3.030 No
1.430 1.480 1.630 1.880 No
2.290 2.340 2.490 2.740 No
2.810 2.860 3.010 3.260 No

1.570 1.620 1.770 2.020 No
1.650 1.700 1.850 2.100 No
2.970 3.020 3.170 3.420 No
2.780 2.830 2.980 3.230 No

3.000 3.050 3.200 3.450 No
1.180 1.230 1.380 1.630 Yes 0.035
0.940 0.990 1.140 1.390 Yes 0.035
1.270 1.320 1.470 1.720 Yes 0.035
1.500 1.550 1.700 1.950 Yes 0.035

1.260 1.310 1.460 1.710 Yes 0.035
1.750 1.800 1.950 2.200 No
1.220 1.270 1.420 1.670 Yes 0.035
1.020 1.070 1.220 1.470 No
0.920 0.970 1.120 1.370 Yes 0.035
0.590 0.640 0.790 1.040 No
1.620 1.670 1.820 2.070 No
1.230 1.280 1.430 1.680 Yes 0.035
1.730 1.780 1.930 2.180 Yes 0.035
1.450 1.500 1.650 1.900 No
1.240 1.290 1.440 1.690 No
1.270 1.320 1.470 1.720 Yes 0.035
1.410 1.460 1.610 1.860 Yes 0.035
0.970 1.020 1.170 1.420 Yes 0.035
0.970 1.020 1.170 1.420 Yes 0.035
1.970 2.020 2.170 2.420 No
0.970 1.020 1.170 1.420 No
1.630 1.680 1.830 2.080 No
1.590 1.640 1.790 2.040 No
1.070 1.120 1.270 1.520 No

2.880 2.930 3.080 3.330 No
2.190 2.240 2.390 2.640 No
1.280 1.330 1.480 1.730 No
1.700 1.750 1.900 2.150 No

2.280 2.330 2.480 2.730 No
1.390 1.440 1.590 1.840 Yes 0.035
0.980 1.030 1.180 1.430 No

1.460 1.510 1.660 1.910 Yes 0.035
1.210 1.260 1.410 1.660 No
1.250 1.300 1.450 1.700 Yes 0.035

0.770 0.820 0.970 1.220 No
0.820 0.870 1.020 1.270 Yes 0.035
1.270 1.320 1.470 1.720 No

3.060 3.110 3.260 3.510 No
3.260 3.310 3.460 3.710 No
0.880 0.930 1.080 1.330 Yes 0.035
1.060 1.110 1.260 1.510 No

2.390 2.440 2.590 2.840 Yes 0.035
1.340 1.390 1.540 1.790 Yes 0.035
0.910 0.960 1.110 1.360 Yes 0.035
1.100 1.150 1.300 1.550 No
1.050 1.100 1.250 1.500 No
9.570 9.620 9.770 10.020 No
2.110 2.160 2.310 2.560 No
1.680 1.730 1.880 2.130 No
1.500 1.550 1.700 1.950 Yes 0.035
1.290 1.340 1.490 1.740 No
1.260 1.310 1.460 1.710 Yes 0.035
2.320 2.370 2.520 2.770 No
1.450 1.500 1.650 1.900 No
2.120 2.170 2.320 2.570 No
2.510 2.560 2.710 2.960 No

1.340 1.390 1.540 1.790 No
1.340 1.390 1.540 1.790 Yes 0.035
2.120 2.170 2.320 2.570 No

2.020 2.070 2.220 2.470 No
1.250 1.300 1.450 1.700 No
1.920 1.970 2.120 2.370 No
2.950 3.000 3.150 3.400 No

0.970 1.020 1.170 1.420 No
0.690 0.740 0.890 1.140 No
0.810 0.860 1.010 1.260 Yes 0.035
6.380 6.430 6.580 6.830 No
2.680 2.730 2.880 3.130 No
2.470 2.520 2.670 2.920 No
1.900 1.950 2.100 2.350 No
1.870 1.920 2.070 2.320 No
1.280 1.330 1.480 1.730 No
0.800 0.850 1.000 1.250 No
1.810 1.860 2.010 2.260 No

1.030 1.080 1.230 1.480 No
1.140 1.190 1.340 1.590 No
1.550 1.600 1.750 2.000 No
1.080 1.130 1.280 1.530 Yes 0.035

1.870 1.920 2.070 2.320 No
2.220 2.270 2.420 2.670 No
1.450 1.500 1.650 1.900 No
0.750 0.800 0.950 1.200 Yes 0.035
3.140 3.190 3.340 3.590 No
1.400 1.450 1.600 1.850 Yes 0.035

1.140 1.190 1.340 1.590 No
1.380 1.430 1.580 1.830 No
1.390 1.440 1.590 1.840 Yes 0.035
1.150 1.200 1.350 1.600 No
1.800 1.850 2.000 2.250 No
1.070 1.120 1.270 1.520 No

1.050 1.100 1.250 1.500 Yes 0.035
0.570 0.620 0.770 1.020 No
0.850 0.900 1.050 1.300 Yes 0.035
2.860 2.910 3.060 3.310 No
0.820 0.870 1.020 1.270 No
1.370 1.420 1.570 1.820 Yes 0.035
2.580 2.630 2.780 3.030 No
1.000 1.050 1.200 1.450 No
1.420 1.470 1.620 1.870 No

2.230 2.280 2.430 2.680 Yes 0.035
1.270 1.320 1.470 1.720 No
1.010 1.060 1.210 1.460 No
Yes 0.031
1.100 1.150 1.300 1.550 No
1.490 1.540 1.690 1.940 No
1.470 1.520 1.670 1.920 No
4.150 4.200 4.350 4.600 No
1.220 1.270 1.420 1.670 No
1.900 1.950 2.100 2.350 No
1.290 1.340 1.490 1.740 No

1.680 1.730 1.880 2.130 No
1.040 1.090 1.240 1.490 Yes 0.035
1.190 1.240 1.390 1.640 No
1.170 1.220 1.370 1.620 No
5.800 5.850 6.000 6.250 No
1.230 1.280 1.430 1.680 No
1.680 1.730 1.880 2.130 No
1.390 1.440 1.590 1.840 No
1.290 1.340 1.490 1.740 No

1.830 1.880 2.030 2.280 No
1.260 1.310 1.460 1.710 No
0.910 0.960 1.110 1.360 No
1.950 2.000 2.150 2.400 No
1.680 1.730 1.880 2.130 No
1.070 1.120 1.270 1.520 No

9.570 9.620 9.770 10.020 No
No
1.580 1.630 1.780 2.030 No
0.730 0.780 0.930 1.180 No
0.960 1.010 1.160 1.410 No
1.040 1.090 1.240 1.490 No
0.910 0.960 1.110 1.360 No
1.050 1.100 1.250 1.500 No
0.710 0.760 0.910 1.160 No
0.620 0.670 0.820 1.070 No
0.700 0.750 0.900 1.150 No
1.190 1.240 1.390 1.640 No
0.620 0.670 0.820 1.070 No
2.230 2.280 2.430 2.680 No
0.970 1.020 1.170 1.420 No
1.070 1.120 1.270 1.520 No
0.750 0.800 0.850 0.950 No
1.680 1.730 1.880 2.130 No
1.550 1.600 1.750 2.000 No

0.840 0.890 1.040 1.290 Yes 0.035
0.750 0.800 0.950 1.200 No

0.670 0.720 0.870 1.120 No
1.000 1.050 1.200 1.450 Yes 0.035
0.560 0.610 0.760 1.010 No
1.875 1.875 1.900 2.150 No
2.125 2.125 2.150 2.400 No
2.205 2.205 2.230 2.480 No

0.660 0.710 0.860 1.110 No
1.550 1.600 1.750 2.000 No
2.625 2.625 2.650 2.900 No
2.275 2.275 2.300 2.550 No
0.440 0.490 0.640 0.890 No
0.820 0.870 1.020 1.270 Yes 0.035
1.100 1.150 1.300 1.550 No
2.690 2.740 2.890 3.140 No
2.080 2.130 2.280 2.530 No
1.080 1.130 1.280 1.530 No

0.980 1.030 1.180 1.430 No
0.860 0.910 1.060 1.310 Yes 0.035
1.380 1.430 1.580 1.830 No

2.560 2.610 2.760 3.010 No
3.500 3.550 3.700 3.950 No
1.120 1.170 1.320 1.570 No
6.530 6.580 6.730 6.980 No
1.470 1.520 1.670 1.920 No
2.550 2.600 2.750 3.000 No
1.320 1.370 1.520 1.770 No
1.710 1.760 1.910 2.160 No
0.970 1.020 1.170 1.420 No
3.810 3.860 4.010 4.260 No
4.060 4.110 4.260 4.510 No

6.160 6.210 6.360 6.610 No
7.130 7.180 7.330 7.580 No
2.470 2.520 2.670 2.920 No
11.430 11.480 11.630 11.880 No
5.220 5.270 5.420 5.670 No
3.880 3.930 4.080 4.330 No
0.600 0.650 0.800 1.050 No

Preferred
Referred
Declined
SOOKSHMA BSUS01
SI Band Classification
SI Band From Upto
SI Band 2 20,000,001 50,000,000
SI Band 1 20,000,000
UW Referral Authority (SI Ba

SI Band ↓ Risk Grade → D RG 9
SI Band 2 – 2 ~ 5 Crores 9 8
SI Band 1 - up to 2 Crores 9 7
Risk Inspection M
Risk Inspection Matrix* D RG 9
SI Band 2 – 2 ~ 5 Crores Y3 Y3
SI Band 1 - up to 2 Crores Y3 NO
Full Risk Control / Mgmt Inspection required -

Will not accept Third Party Report Y1
Full Risk Control / Mgmt Inspection required -

Third Party Report also acceptable Y2
Risk Inspection may be undertaken by branch
Underwriting staff Y3
No risk inspection required No
LAGHU BLUS01
Table A – Authority Matrix; Subject to revision from time to time
SI Band ↓ Risk Grade → D RG 9

SI Band 4 - 15 ~50 Crores 9 8
SI Band 3 - 5 ~ 15 Crores 9 8
Table B – SI Band Code Table; Subject to revision from time to time
SI Band From Upto

SI Band 4 150,000,001 500,000,000
SI Band 3 50,000,001 150,000,000
Risk Inspection Matrix* D RG 9

SI Band 4 - 15 ~50 Crores Y1 Y2
SI Band 3 - 5 ~ 15 Crores Y2 Y3
Full Risk Control / Mgmt Inspection required - Will not accept Third Party Report
Full Risk Control / Mgmt Inspection required - Third Party Report also acceptable
Risk Inspection may be undertaken by branch Underwriting staff
No risk inspection required
UW Referral Authority (SI Band - Risk Grade)
RG 8 RG 7 RG 6 RG 5 RG 4 RG 3 RG 2
5 5 4 2 2 2 2
5 5 2 2 2 2 1
Risk Inspection Matrix

Y3 NO NO NO NO NO NO
NO NO NO NO NO NO NO
6 6 5 5 4 3 3
6 5 5 4 3 2 2
Y2 Y2 Y3 Y3 Y3 NO NO
Y3 Y3 Y3 NO NO NO NO
RG 1
1
1
RG 1
NO
NO
RG 1
3
2
RG 2 RG 1
NO NO
NO NO
Y1
Y2
Y3
No
Whenever Sales Channel is selecting any of the below occupancies under SFSP Sookshma for policy type Non
floater location with optional floater and Only Floater, there should not be any UW Referral Rule triggere based on
the conditions defined in the Referral Matriix Worksheet and Sales should be in a position to generate Quote /
Source Business directly. In other words for the opccupancies mentioned in the below list, it should work like Pre
UW for Sales in Sookshma. For occupancies not mentioned in the list attached but forming part of Sookshma
Occupancy List, the normal process of referral rule to continue. In a Multi Location Policy , the referral rules should
be checked for each location based on the , sum insured, risk grade etc in referral matrix sheet and exception
defined in this sheet. If the occupanices of all the locations (including floater location) are available in the below
table then no referral rule is triggered.
However, if any other referral rule is applicable (apart from the risk grade- SI - risk inspection referral) e.g. Short
Period policy referral, then the referral should be triggered even though the occupancy is in the below list.
TAC
S No Occupancy Occupancy Description Risk Grade
Code
1 1002 Places of worships RG5

2 1003 Libraries RG2
3 1004 Museums RG5
4 1005 Schools / Colleges RG2
5 1006 Hospitals including X-ray and other
Diagnostic clinics RG4
6 1007 Office premises / Meeting Rooms RG3

7 1008 Auditoriums / Planetarium RG5
8 1009 Mess Houses / Clubs RG4
9 1010 Marriage Halls RG4
10 1011 Showrooms and display centres where
goods are kept for display and no sales RG4
are carried out
11 1012 Educational and Research Institutes

imparting training in various crafts RG4
12 1013 Lodging/Boarding Houses RG3

13 1014 Cycle Shed RG4
14 1015 Dish Antenna RG4
15 1016 Indoor stadiums, Health Club,
Gymnasium and Swimming Pool RG3
16 1017 Cafes, Restaurants, Hotels, Confectioner

and Sweet meat sellers, Health Resorts RG5
17 1018 Laundries / Dry Cleaning RG4

18 1019 Battery Charging Service Stations RG5
19 1022 Sports Galleries, Outdoor stadiums. RG4
20 1023 Shops dealing in goods otherwise not
provided for RG4
21 1026 Motor Vehicle showroom including sales

and service RG5

(without CNG) RG4
23 1028 Fuel Station- Petrol / Diesel Kiosks (with
CNG) RG4
24 1029 Data Processing/Call Centres/Business

Process Outsourcing Centres RG4
25 2001 Abrasive Manufacturing RG3

26 2002 Aerated Water Factories RG3
27 2006 Airport Terminal Buildings (including all
facilities like Cafes, Shops etc) RG4
28 2008 Aluminium, Zinc, Copper Factories RG7

29 2009 Areca nut and/or Betel nut factories RG5
30 2010 Asbestos Steam Packing and lagging
manufacturing RG5
31 2011 Atta and Cereal Grinding (excluding Dal

Mills) RG5
32 2013 Automobile Manufacturing RG7

33 2014 Bakeries RG4
34 2018 Biscuit Factories RG5
35 2020 Book Binders, Envelope and Paper Bag
Manufacturing RG5
36 2021 Breweries RG6

37 2022 Brickworks (including refractories and
fire bricks) RG4
38 2025 Building In course of construction RG4

39 2029 Canning Factories RG4
40 2032 Cardamom Factories RG7
41 2037 Cashew nut Factories RG5
42 2038 Cattle feed Mill RG4
43 2040 Cement / asbestos/concrete products
Manufacturing RG5
44 2041 Cement Factories RG5

45 2042 Ceramic Factories and Crockery and
Stoneware pipe Manufacturing/Clay RG4
Works.
46 2051 Cinema Theatres (For single screen) RG5

47 2056 Coffee Curing, Roasting / Grinding RG4
48 2059 Condensed Milk Factories, Milk
Pasteurising Plants and Dairies RG5
49 2060 Confectionery Manufacturing

Plants/Sugar Candy Manufacturing
Plants/Sweet Meat Manufacturing RG5
Plants
50 2065 Dehydration Factories RG4

51 2066 Detergent Manufacturing with
Sulphonation Plant RG6
52 2071 Electric Lamp /T.V. Picture Tube

Manufacturing RG6
53 2072 Electronic Goods Manufacturing
/Assembly RG6
54 2073 Electronic Software Parks/Electronic

Software Development Units RG5
55 2075 Engineering Workshop - Structural Steel

fabricators, Sheet Metal fabricators RG4
56 2076 Engineering Workshop (Others), Motor

Vehicle Garages RG6
57 2087 Fruit and vegetable drying/dehydrating

factories RG4
58 2088 Fruit products and Condiment Factories

(including fruit pulp making) RG4
59 2090 Ghee Factories including vegetable

Ghee mfg. RG6
60 2091 Glass Fibre Manufacturing RG5

61 2092 Glass wool Manufacturing RG5
62 2093 Glass Manufacturing/Automobile Glass
Manufacturing RG5
63 2094 Gold thread factories / Gilding factories

RG4
64 2095 Granite Factories using inflammable

solvents RG8
65 2096 Granite Factories (Others) RG5

66 2097 Graphite electrode Manufacturing RG5
67 2098 Grain/seeds disintegrating/crushing/
Decorticating factories/ Dal mills. RG7
68 2099 Grease / Wax Manufacturing RG6

69 2102 Gypsum board manufacturer RG5
70 2103 Hosiery, lace, Embroidery/Thread
factories RG7
71 2104 Ice candy and Ice cream Manufacturing

RG5
72 2105 Ice factories RG5

73 2107 Industrial Diamonds Manufacturing RG5
74 2110 Jaggery Manufacturing RG4
75 2116 Leather Goods Manufacturing (incl.
boot/shoe) RG7
76 2117 Lime Kiln RG4

77 2118 Lithographic presses RG7
78 2120 Malt Extraction Plants RG7
79 2122 Man-made Fibre Manufacturing Plant
(Others) RG8
80 2123 Manure Blending works RG4

81 2126 Metallizing works (involving metals only)
RG7
82 2128 Metal/Tin printers RG6
83 2129 Mica Products Manufacturing RG4
84 2130 Mineral Oil blending and processing RG6
85 2131 Mosaic Factories RG4
86 2136 Oil Distillation Plants (essential) RG8
87 2138 Oil Mills (Vegetable) RG6
88 2146 Pencil Manufacturing RG5
89 2152 Poultry Farms (Excluding birds therein)
RG7
90 2159 Pulverising Plants(Metals and non-

hazardous goods) RG4
91 2160 Pulverizing Plants (Others) RG5

92 2164 Rope Works (others) RG7
93 2168 Salt crushing Factories and Refineries
RG3
94 2170 Sea Food / Meat Processing RG5

95 2173 Soap Manufacturing RG5
96 2176 Stables (excluding animals) RG5
97 2177 Starch Factories RG4
98 2180 Sugar factories RG6
99 2184 Tapioca factories RG4
100 2188 Telephone Exchanges RG4
101 2190 Tile and Pottery works RG4
102 2198 Umbrella Assembly factories RG4
103 2200 Vermicelli factories RG5
104 2201 Weigh Bridges RG2
105 2208 Zip fasteners Manufacturing RG5
anywhere in India (at specified RG4
locations)
107 2229 Multiplex Theatre Complexes /

Shopping Malls with Multiplex RG5
108 2230 Shopping Malls (other than Multiplexes)

RG5
109 3001 Analytical / Quality Control Laboratories

RG4
110 3002 Boiler House RG4

111 3004 Effluent /Sewage Treatment Plants RG5
112 3009 Pump Houses (Water) RG3
113 3010 Pump Houses (Others) RG5
114 3014 Wireless Transmitting Stations RG5
115 3015 Compressor Houses - Compressors
handling air, Inert Gas and CO2 RG5
116 3018 Boundary Walls - Others RG5

117 3019 Electric Crematoriums RG3
118 4001 Storage of Non-hazardous goods subject
to warranty that hazardous goods of
Category I, II, III, Coir waste, Coir fibre
and Caddies are not stored therein. RG4
(Materials stored in Godowns & Silos)
119 4012 Storage of Non-hazardous goods subject

to warranty that hazardous goods of
Category I, II, III, Coir waste, Coir fibre
and Caddies are not stored therein. RG4
120 4018 Bus Terminus RG4

121 4019 Vehicles stored in Open Including
Tractors RG5
122 2067 Detergent Manufacturing (Others) RG6

123 2137 Oil Mills refining (Veg/Animal) RG6
124 2212 Automobile Filter Manufacturing RG5
125 3013 Water Treatment Plants / Water Tanks
RG5
126 2061 Contractors Plant and Machinery - At

one location only RG6
127 2113 Khandsari Sugar Manufacturing RG6

128 1020 Amusement parks RG4
129 1024 Shops dealing in hazardous goods RG7
130 2004 Agarbatti manufacturing RG7
131 2144 Paper and Cardboard Mills (including
Lamination) RG7
der SFSP Sookshma for policy type Non
t be any UW Referral Rule triggere based on
ould be in a position to generate Quote /
ed in the below list, it should work like Pre
ttached but forming part of Sookshma
ulti Location Policy , the referral rules should
c in referral matrix sheet and exception
floater location) are available in the below
ade- SI - risk inspection referral) e.g. Short

gh the occupancy is in the below list.
To be Made Available for Sales

Approval Authority without any
Referral under Sookshma
Yes Declined
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
1
2
3
4
Existing Functionality in system will work as is for Coinsurance - Leader
Coinsurance - Follower Policies for Standard Fire Sookshma will be booked in Generic Product and a new sub product type BS
Coinsurance - Follower Policies for Standard Fire Laghu will be booked in Generic Product and a new sub product type BLUS01
Mid-Term inclusion of Co-insurance:
Normal policy can be changed to add additional Co-insurance interest - not allowed and the existing policy needs to be cance
er benefit structure defined in this FRSM and the quote and policy PDFS will be generated as per the templates shared in this FRSM
enefit structure defined in this FRSM and the quote and policy PDFS will be generated as per the templates shared in this FRSM
shared in this FRSM
ed in this FRSM
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
1
2
5
Endorsements allowed
Endorsement Type
Change in Mailing address
Correction in Insured Name
Change / Correction in Hypothecation
Addition of Hypothecation
Change in clause/condition/warranty etc.. In case any
Correction of Item Description
Nil Endorsement
Addition of Location
Inclusion of Add-on cover
Deletion of Locaton
Increase in Sum Insured
Decrease in Sum insured
Cancellation by Insured
Declaration Refund Endorsement
Cancellation of Policy from inception due to Cheque Bounce.
Cancellation of Policy due to data entry error
Change in Risk Location
Endorsement Rules
If the sub product type is categorized at sookshma (BSUS01) at the time of policy issuance (New
business, Renewal , Rollover), during endorsement even if the sum insured of any location either
decreases or increases, the policy's sub product type will still be considered as sookshma , and
endorsement premium will be computed as per business logic defined for sub product type
sookshma
If the sub product type is categorized at Laghu(BLUS01) at the time of policy issuance (New
business, Renewal , Rollover), during endorsement even if the sum insured of any location either
decreases or increases, the policy's sub product type will still be considered as Laghu , and
endorsement premium will be computed as per business logic defined for sub product type Laghu
If the sub product type is categorized at SFSP at the time of policy issuance (New business, Renewal
, Rollover), during endorsement even if the sum insured of any location either decreases or
increases, the policy's sub product type will still be considered as SFSP , and endorsement premium
will be computed as per as per business logic defined for sub product type SFSP
Backdated Policy / Endorsement

(….....30............Days leverage is allowed for issuance of a back dated policy / endorsement).
Note:Number of days should be configurable field
Future Dated Endorsement

(….......30..........Days leverage is allowed for issuance of a Future dated policy / endorsement).
Note:Number of days should be configurable field
Endorsement Category Endorsement Effective Date
Non- Premium Bearing Inception or Mid-term
Premium Bearing Mid-term

Premium Bearing Inception or Mid-term

Premium Bearing Inception
Premium Bearing Inception
Premium/Non-Premium Bearing Inception or Mid-term

Endorsement Basis Endorsement Reason
NA
NA
NA
NA
NA
NA
NA
Pro-rata basis
Pro-rata basis
Both pro-rata and short term scale ( refer Short

period adjustment Table) should be available for
selection by user, and if short term scale, UW
referal will be triggered as per the referral matrix
Pro-rata basis

period adjustment Table) should be available for
selection by user, and if short term scale, UW
referal will be triggered as per the referral matrix

period adjustment Table) for selection by user,
subject to minimum premium should be
available and if short term scale, UW referal will
be triggered as per the referral matrix
Refer Fire Refund Calc For Declaration sheet
Pro-rata
Note : No Refund
Pro-rata
Note : Full Refund except stamp duty
Pro-rata/Short Period
If there is positive premium then system will
calculate on pro-rata basis or System needs to
calculate on Short period basis
1
3
4
Renewal Rules
During Renewal, system should determine the product sub type (considering the endorsements that have been made
on the expiring policy)
a) If the MAX Location Sum Insured (except floater location) < 5cr - Sub Product type will be changed to Sookshma,
and renewal premium will be computed as per sub product type - Sookshma
b) If the MAX Location Sum Insured (except floater location) > 5cr and <= 50 Cr - Sub Product type will be changed to
Laghu and renewal premium will be computed as per sub product type - Laghu
c) If the MAX Location Sum Insured (except floater location) > 50 Cr - Sub Product type will be changed to SFSP and
renewal quote will not be generated for this policy
Any policy expiring after 31 March 2021, which is to be renewed, User has to mandatorily select sub product type as
Sookshma/ Laghu/ SFSP, based on the renewal Sum insured . System should validate the SI logic for Sub product types
as per the Business Rules (1-18) defined.
System should generate renewal quotes 60 days prior to the expiry of the policy through the batch job.
System should not generate renewal notice for Sookshma and Laghu Sub products
PRODUCT_NAME PRODUCT_CODE SUB_PRODUCT_CODE CT_NAME
Standard Fire and Special Perils FIRSP01 BSUS01 and BLUS01 STFI Cover
Terrorism
Standard Fire and Special Perils FIRSP01 BSUS01 and BLUS01
cover
Cost of
Removal
Debris
Standard Fire and Special Perils FIRSP01 BSUS01 and BLUS01 (upto 2%
of claim
Amount)
cover
Forest Fire
cover
Spontaneo
us
Combustio
n cover
Additions,
alterations
Standard Fire and Special Perils FIRSP01 BSUS01 and BLUS01 or
extensions
cover
Standard
Fire &
Standard Fire and Special Perils FIRSP01 BSUS01 and BLUS01 Special
Perils
cover
Earthquak
e (Fire and
Shock)
cover
Temporar
y Removal
Standard Fire and Special Perils FIRSP01 BSUS01 and BLUS01 of Stocks
Clause
cover
Start up
Standard Fire and Special Perils FIRSP01 BSUS01 and BLUS01 Expenses
cover
Profession
al
fees(Upto
Standard Fire and Special Perils FIRSP01 BSUS01 and BLUS01 5 % of the
claim
amount)
cover
Theft
Standard Fire and Special Perils FIRSP01 BSUS01 and BLUS01 within 7
days cover
Cover for
Standard Fire and Special Perils FIRSP01 BSUS01 and BLUS01 Specific
Contents
Costs
compelled
by
Municipal
Regulation
s cover
Floater
Cover
Declaratio
n Cover
Under
BSUS01 and BLUS01 Insurance
Standard Fire and Special Perils FIRSP01 waiver
cover
Excess
Standard Fire and Special Perils FIRSP01 BSUS01 and BLUS01 premium
cover
Reinsurance
Adjustment
Endorsement should be
Additional RI related Points allowed for this product
Configure Rule 18 on this Product for Risk Category FIRE_SULU
Existing implementation will remain as it is for sub product type SFSP
SI
SI
Accumul
Accumula
ated
System Risk Category Business Risk Category Has SI? ted ( Re- Basic/Add on new
( Policy insurance
Sum OF and
)
Insured) RI-OF
LOB
Fire_SULU Fire Fire Fire
Terrorism_SULU Fire Fire

Fire

Fire_SULU Fire



Risk Unit Risk Unit
Definitio Definitio
n n
Paramete Paramete Addition
rs- rs- al field in
Calculati Calculati UI at CT
on Type on Type level Enter Risk
Of Sum Of ( eBao Level
Risk
Insured Premium PML% ) Data Levelin RI remarks
Sum of GENERAL
Sum of Premium SYSTEM.t
CTSI*PML on each 100% _risklevel Create Risk Level 1 and 2
% Sum
CT of _update
Sum Of Premium
Each CT's on each
SI CT NA NA Risk Level 1
Sum of Enter Risk

CTSI*PML 0% Level Create Risk Level 1 and 2
% Data in
Sum of GENERAL
Premium SYSTEM.t
on each _risklevel
CT _update
Sum of Enter Risk

% Data in
Sum of GENERAL
Premium SYSTEM.t
on each _risklevel
CT _update
Sum of Enter Risk

% Data in
Sum of GENERAL
Premium SYSTEM.t
on each _risklevel
CT _update
Sum of Enter Risk

% Data in
Sum of GENERAL
Premium SYSTEM.t
on each _risklevel
CT _update
Sum of Enter Risk
% Data in
Sum of GENERAL
Premium SYSTEM.t
on each _risklevel
CT _update
Sum of Enter Risk

% Data in
Sum of GENERAL
Premium SYSTEM.t
on each _risklevel
CT _update
Sum of Enter Risk

% Data in
Sum of GENERAL
Premium SYSTEM.t
on each _risklevel
CT _update
Sum of Enter Risk

% Data in
Sum of GENERAL
Premium SYSTEM.t
on each _risklevel
CT _update
Sum of Enter Risk

% Data in
Sum of GENERAL
Premium SYSTEM.t
on each _risklevel
CT _update
Sum of Enter Risk
% Data in
Sum of GENERAL
Premium SYSTEM.t
on each _risklevel
CT _update
Sum of Enter Risk

% Data in
Sum of GENERAL
Premium SYSTEM.t
on each _risklevel
CT _update
Sum of Enter Risk

% Data in
Sum of GENERAL
Premium SYSTEM.t
on each _risklevel
CT _update
Sum of Enter Risk

% Data in
Sum of GENERAL
Premium SYSTEM.t
on each _risklevel
CT _update
Sum of Enter Risk

% Data in
Sum of GENERAL
Premium SYSTEM.t
on each _risklevel
CT _update
Sum of Enter Risk
% Data in
Sum of GENERAL
Premium SYSTEM.t
on each _risklevel
CT _update
Sum of Enter Risk

% Data in
Sum of GENERAL
Premium SYSTEM.t
on each _risklevel
CT _update
Applicable to
Clauses/Warranties/ Condition/Endorsements/Referral Rules SFSP SFSP Laghu Clause level

Sookshma
Sanction Limitation And Exclusion Clause Yes Yes policy
Cyber Risk Exclusion clause NMA 2915 Yes Yes policy
Communicable Disease Exclusion Clause. Yes Yes policy
Designation of Property Clause Yes Yes policy
Earthquake (Fire and Shock) Yes Yes policy
Agreed Bank Clause Yes Yes policy
Basis of Valuation:
• For Building, Plant and Machinery, Furniture, Fixture and Fittings and
other contents: Reinstatement Value;
• For raw material: Landed Cost; Yes Yes policy
• For stock in process: Input cost;
• For finished stock: Manufacturing cost of the finished stock or the
Contract Price* of goods sold but not delivered, as applicable.
Market Value Clause Yes Yes policy
Policy shall stand canceled ab intio in the event of non-realization of Yes Yes policy
the premium.
Terrorism damage inclusion Yes Yes policy
Goods Held In Trust Clause Yes Yes policy
Kutcha construction is excluded under scope of this policy Yes Yes Location
Silent Risk Warranty Yes Yes Location
Floater Clause Yes Yes policy
Declaration Clause Yes Yes policy
Floater Declaration Clause Yes Yes policy
Fire Protection warranty Yes Yes Location
Additions, alterations or extensions Clause Yes Yes policy

Temporary removal of stocks Yes Yes policy
Cover for Specific Contents Yes Yes policy
Start-Up Expenses Yes Yes policy
Professional fees Yes Yes policy
Cost for Removal of debris Yes Yes policy
Costs compelled by Municipal Regulations Yes Yes policy
Waiver of Underinsurance upto 15% Yes Yes policy
Special Condition Yes Yes Location
Co-insurance Clause Yes Yes policy

Excluding Money, Monetary intruments and valuables of every
description Yes Yes policy
Warranted that the process activity does not involve spreading of

rubber Yes Yes policy
Solvent warranty - Warranted that during the currency of this Policy

no solvents having a flash point below 32°C be used or stored within Yes Yes Location
the insured premises.
SILENT RISK WARRANTY 2 (SILENT AT INCEPTION) - Warranted that

during the currency of this policy the risk be silent and that the
machinery be not worked (except occasionally for the purpose of
cleaning, no material being passed through it) and that no repairs to Yes Yes Location
machinery be carried on.
It is further warranted that the Insured premises not be used for the
storage or deposit of goods.
SILENT RISK WARRANTY1 (WHEN A RISK GOES SILENT DURING THE

CURRENCY OF POLICY) - Warranted that during the currency of this
policy the risk be silent and that the machinery be not worked (except
occasionally for the purpose of cleaning, no material being passed Yes Yes policy
through it) and that no repairs to machinery be carried on.
It is further warranted that the Insured premises not be used for the
storage or deposit of goods.
Plastic warranty 1 - Warranted that during the currency of this Policy

no raw materials for the manufacture of plastics having calorific value
of above 15000 btu/Ib such as Polyethylene, polypropylene,
polystyrene, Poly-alpha methyl styrene, Acrylonitrile-butadiene- Yes Yes Location
styrene, polubutylene, be used or stored in the within described
premises.
Plastic Warranty 2 - Warranted that during the currency of this Policy

no raw materials for the manufacture of plastics having calorific value
of below 15000 btu/Ib such as Polyethylene, polypropylene,
polystyrene, Poly-alpha methyl styrene, Acrylonitrile-butadiene- Yes Yes Location
styrene, polubutylene, be used or stored in the within described
premises.
Warranted that during the currency of this Policy no foamed plastic or Yes Yes Location
foamed rubber or goods made therefrom be used or stored
MANUFACTURE AND STORAGE OF PAINTS, ETC, WARRANTY -

Warranted that during the currency of this Policy no manufacturing or
storage of oil paints, enamels, lacquers, varnishes, varnish stains, Yes Yes Location
cellulose paints or paint thinners, removers or renovators be carried on
within the insured premises.
RESTRICTION OF SPRAY PAINTING /POWDER COATING WARRANTY -

Warranted that during the currency of this Policy no spray painting or Yes Yes Location
any process in connection therewith be carried on in the premises
described herein
Warranted that during the currency of this Policy no solvent extraction
Yes Yes Location
be carried on in the within described premises
Break In Insurance Warranty - Warranted that any known or reported Yes Yes policy
losses till the date of binding of cover is not considered
Building in Course of Construction - Warranted that during the
currency of this Policy no coverage is provided to
Equipments whether in storage or during erection Yes Yes Location

Stocks in open or stored in basement
It is further warranted that only the civil works be provided coverage
under the policy.
Risk Improvement Warranty - Risk Improvement Measures suggested

to be implemented as agreed and necessary timelines to be Yes Yes policy
communicated within 30 days from issuance of Quote.
Excluding money, monetary instruments and valueables of every
description. Yes Yes policy
Warranted that the process acctivity does not involve Solvent

Yes Yes Location
Extraction.
Warranted that the process acctivity does not involve either direct heat Yes Yes Location
or open flame.
Warranted that the process acctivity does not involve use of organic Yes Yes Location
peroxides.
Warranted that the process acctivity does not involve use of aerosols. Yes Yes Location
Warranted that no spray painting activity is carried out in the premises. Yes Yes Location
Warranted that no battery charging activity is carried out in the

premises. Yes Yes Location
Warranted that automobiles stored in the open are not covered under
Yes Yes Location
the policy.
Warranted that storages in the basement are excluded from the scope Yes Yes Location
of the policy.
Warranted that solvents flashing below 32 Deg C are not used in the Yes Yes Location
premises.
Warranted that storages have to be kept in raised platform / pallet Yes Yes policy
having height more than 1 feet.
Warranted that storages have to be kept in regulated manner with Yes Yes policy
proper spacing and in no way hinder access to fire fighting.
Warranted that the electrical installation is maintained periodically and

devoid of any loose wiring and improper sockets & connections. Yes Yes policy
Warranted that there are no CNG installations in Petrol/ Diesel Kiosks. Yes Yes policy
Warranted that Crackers are not stored in the premises. Yes Yes policy
Warranted that there are nil claim in expiring three years Yes Yes policy
Acceptance of the risk is subject to satisfactory risk inspection feedback Yes Yes policy
Warranted that temporary sheds are erected only during monsoon

season for protection of stock stored against rain water damage . Yes Yes policy
Warranted that cover for STFI perils shall commence after 15 days after Yes Yes policy
receipt of premium
Warranted that any kind of Project works and/or Construction works
and/or Electrical / Mechanical installation works and activities in
relation to this or any loss arising out of such activity is excluded from Yes Yes policy
the scope of the policy coverage
Warranted that adequate number of operational fire extinguishers are
maintained throughout the policy period Yes Yes policy
Warranted that all the Jewelry should be kept inside the safe after
business hours. Yes Yes policy
Warranted that the risk be manned by a watchman/ common guard

after business hours on all working days and on holidays there shall be Yes Yes policy
24 hour watch and ward.
Warranted that stocks does not include bombs, grenades, missiles,

mines of all kinds, gun powder ,detonators, fuses, all forms of
explosives & propellants, high explosive projectiles (HE), warheads, Yes Yes policy
shaped charges, carrier projectiles, mortar ammunition grenades,
mines, pyrotechnics, ammunitions of all kinds.
The scope of cover under the policy excludes damage to unbaked

bricks/clay bricks lying in open from the STFI Group of perils. Yes Yes policy
Warranted that stocks stored in open within risk premises are secured Yes Yes policy
by compound wall/fencing from all sides.
Warranted that stocks lying in open are covered by waterproof

tarpaulin so that stocks are completely safe from rain and the Sun. Yes Yes policy
Storage of Non-hazardous goods subject to warranty that hazardous

goods of Category I, II, III, Coir waste, coir fibre and Caddies are not Yes Yes Location
stored therein.
Storage of Category I hazardous Goods subject to warranty that goods
listed in Category II, III, Coir waste, Coir fibre and Caddies are not Yes Yes Location
stored therein.
Storage of hazardous Goods listed in Category II subject to warranty
that goods listed in Category III, coir waste, Coir fibre and Caddies are Yes Yes Location
not stored therein
Storage of hazardous Good listed in Category III subject to warranty

that Coir waste, coir fibre and, Caddies are not stored therein. Yes Yes Location
Warranted that scope of cover is restricted to stocks of fuel, Red Bricks Yes Yes Location
and excludes clay and unbaked bricks.
Warranted that stock in open is not more 2% of Total SI of Stock Yes Yes Location
Coinsurance Clause Yes Yes Policy
Co-insurance
details and
clause.docx
Clause type Remarks
mandatory
mandatory
mandatory
mandatory
mandatory
(In case of Bank

conditional Hypothecationunder financier)
mandatory As applicable
optional As applicable (Opted by Insured)
mandatory
mandatory In built Cover
optional As applicable (Opted by Insured)
If Type of Construction is chosen

conditional other than Kutcha
If Type of occupancy is chosen

conditional as Silent Risk - IIB Code 4900
conditional-cover Floater cover is opted
conditional-cover declaration cover is opted
conditional-cover floater and declaration cover

are opted
user editable
clause Optional
mandatory
mandatory
mandatory
mandatory
mandatory
mandatory
mandatory
mandatory
user editable Optional
clause
conditional Only in case of Co Insurance
Optional Optional
Optional Optional
Optional Optional
optional and Auto if IIB Code 4900 + Optional

conditional
optional optional
Optional Optional
Optional Optional
Optional Optional

conditional
optional and Auto if IIB Code 2140, 2141,

conditional 2142 + Optional
Optional Optional
Optional Optional
conditional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
Optional Optional
optional and Auto for occupancy codes

conditional 4001/4012




conditional 2022
Optional
optional and 4001/4002/4003/4004
conditional (Where stock SI is opted under
close Goodown occupancy)
conditional when coinsurane is

conditional applicable

eBAo - Premum Matching - v1.13

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Insure MO - Product Definition Requirements Document

Sub Product Applicability

Dependent covers - 16 covers including

Policy Type - Only Floater/ Floater Declaration

Dependent covers - 16 covers including Dependent covers - 16 covers including

Location - 4 (FLOATER LOCATION)

Dependent covers - 11 covers

Floater Location Info

Forest Fire cover

Omission to Insure additions,

Standard Fire & Special Perils cover

Earthquake (Fire and Shock) cover

Loss of Rent Clause

Start up Expenses cover

Architects, Surveyors and Consulting Professional fees(Upto 5 % of the claim

Product Name Product Category

Product - FIRSP01 (Sookshma & Laghu)

Applicable for SFSP01 Applicable for Sookshma

Renewal Attribute Master Policy Automatic Renewal Terrorism Excess

To determine Whether the product

Applicable for Laghu

Plant & Machinery(Sookshma/Laghu)

Furniture, Fixture & Fittings and other equipment

Basic Not applicable Yes

Policy Excess Period Factor Minimum Premium Installment Calculation

SBIG will deduct ₹ How period factor

Short Rate 200 Not Applicable

The start date to sale the

Standard Fire anFIRSP01 BSUS01 and BLUS01

Standard Fire anFIRSP01 BSUS01 and BLUS01

Standard Fire anFIRSP01 BSUS01 and BLUS01

Standard Fire anFIRSP01 BSUS01 and BLUS01

Standard Fire anFIRSP01 BSUS01 and BLUS01

Standard Fire anFIRSP01 BSUS01 and BLUS01

Standard Fire anFIRSP01 BSUS01 and BLUS01

Standard Fire anFIRSP01 BSUS01 and BLUS01

Standard Fire anFIRSP01 BSUS01 and BLUS01

Standard Fire anFIRSP01 BSUS01 and BLUS01

Cost of Removal Debris (upto

Cover for Specific Contents Fire Fire Fire

Fire Fire Fire

Fire Fire Fire

Fire Fire Fire

Fire Fire Fire

Fire Fire Fire

Fire Fire Fire

Fire Fire Fire

Fire Fire Fire

Fire Fire Fire

Fire Fire Fire

Fire Fire Fire Fire

Fire Fire Fire Fire

Fire Fire Fire Fire

Fire Fire Fire Fire

Fire Fire Fire Fire

Fire Fire Fire Fire

Fire Fire Fire Fire

Fire Fire Fire Fire

Fire Fire Fire Fire

Fire Fire Fire Fire

Policy Info No Policy

Company Customer No Customer Information