2 of 9

Temple trust or Temple admin authority

TEMPLE PACKAGE POLICY

Trusted since 1906

WHO CAN BUY THE POLICY?

Akanksha Agnihotri and Team KYP

KYP 17/2020

SALIENT FEATURES

Temple is a structure reserved for religious or spiritual rituals and activities such as prayer and sacrifice. It is typically used for such buildings belonging to all faiths.
Temple package policy can be issued for such buildings belonging to all faiths like Churches, Mosques, Synagogues, Gurudwaras, etc.

SCOPE OF COVER

The policy covers,

LOSS of or DAMAGE to property or LIABILITY INCURRED or
DEATH sustained by the temple elephants, suffered by the staff or employees of the insured permanently working with the insured during the policy period and subsequent renewals.

3 of 9

TEMPLE PACKAGE POLICY

Trusted since 1906

LIMIT OF INDEMNITY (LI)

Akanksha Agnihotri and Team KYP

KYP 17/2020

Sec	Description of Cover	Description of Risk	Rate (%)	Excess
1	Fire and other allied Perils as per SFSP Policy	Computer, PC, Furniture Fittings and Fixtures Madapalli / Canteen / Kitchen Inside Temple (inclusive of STFI and EQ)	Rates as suggested	5% of the claim amount subject to a minimum of Rs.10,000/-
2	Burglary inclusive of theft	Furniture Fittings and Fixtures	Rates as suggested	1% of the claim amount
3	Elephant Liability	Rs.5 lakhs each for accidental death and Rs.5 lakhs medical expenses for 7 persons (temple employees, archagas and devotees, Two Employed Mahouts)	0.1	NIL
4	Cash in Safe	Cash in safe in Temple office	Rates as suggested	0.5% of the SI
5	All risk	Gold Jewellery of the Deity	Rates as suggested	As suggested
6	Temple chariot can also be covered

COVERAGE BENEFITS

A unique package policy exclusively for worshipping places

UNIQUE SELLING POINT

4 of 9

SECTION 1 (Fire and allied perils):

Policy Copy along with all the endorsements issued till Date of Loss

64 VB compliance

Survey Report

Claim form duly signed by the Insured along with claim bill

Fire Brigade Report

First Information Report of Police

Meteorological report in case of Act of God perils claim. (can be waived in case of CAT losses-

Media reports can be considered as basis. In case of local incidents, report of local administration can be accepted)

Forensic Report (Wherever applicable)

Coverage:

TEMPLE PACKAGE POLICY

Trusted since 1906

CLAIM DOCUMENTS

Akanksha Agnihotri and Team KYP

KYP 17/2020

5 of 9

Terrorism
War and Allied perils
Radiation
Nuclear weapons
Pollution
Consequential loss
Normal use/ wearing out
Excess
Existing fault/ Inherent loss
Specific Losses not covered
Negligence/ Wilful act
Requisition/Confiscation

Coverage:

TEMPLE PACKAGE POLICY

Trusted since 1906

EXCLUSIONS

Akanksha Agnihotri and Team KYP

KYP 17/2020

6 of 9

SECTION 2 (Burglary):

The following documents are to be obtained for processing of Burglary Insurance claims:

Duly completed claim form
First Information Report from the police
Survey report
Photographs

In case of small losses up to Rs.10,000/- the dealing office can arrange for settlement of claim on the basis of completed claim form, G D entry/First information report registered with the police provided they are otherwise satisfied about the genuineness of the claim.
In cases of burglary/theft which involves assessment of losses involving checking books of accounts, a surveyor should be appointed.
Waiver of Final Investigation Report of the police can be considered by the Competent Authority if the surveyors’ report does not raise any doubt in regard to the cause and quantum of loss.
However if any amounts / property is recovered and is in custody of the police, the same needs to be considered before arriving at final payable amount.
Subrogation/ indemnity letter to be obtained from the Insured.

Coverage:

TEMPLE PACKAGE POLICY

Trusted since 1906

CLAIM DOCUMENTS

Akanksha Agnihotri and Team KYP

KYP 17/2020

7 of 9

SECTION 3 (Third Party Liability due to temple elephants):

Details of the incident / alleged misfeasance.

Copy of claim letter filed by the claimant on the insured.

FIR,

Details of loss caused/injury/death/property damage including all available information on victims as well as estimated quantum of liability

Steps taken by the insured to mitigate the loss.

Statements from witnesses, sketch plans, photographs, visual records of evidence/ circumstance, video, etc.

Survey/Investigation Report

All notices/summons of the court, if any. This is required only in case the claimant is planning to file suit on the insured.

Post Mortem Report/Medical Certificate

Details of claims, if any, preferred by the affected party / claimant for the same loss from any other source.

Coverage:

TEMPLE PACKAGE POLICY

Trusted since 1906

CLAIM DOCUMENTS

Akanksha Agnihotri and Team KYP

KYP 17/2020

8 of 9

SECTION 4 (Cash in Safe):

The following documents are considered important while processing claims:

Duly completed claim form
First Information Report from the police
Survey report

In case of losses reported from the premises, the procedure to be followed for settlement of claims is on similar lines as that of burglary policy.

However, if infidelity of the employee is involved, departmental proceedings and/or criminal action to be initiated against the erring employee wherever applicable and such reports to be obtained.

SECTION 5 (All Risk):

Claims may be settled on the basis of completed claim form, if settling authority is satisfied about genuineness of the claim. Surveyor/investigator may be appointed only if considered necessary.

Coverage:

TEMPLE PACKAGE POLICY

Trusted since 1906

CLAIM DOCUMENTS

Akanksha Agnihotri and Team KYP

KYP 17/2020

1 of 9

2 of 9

3 of 9

4 of 9

5 of 9

6 of 9

7 of 9

8 of 9

9 of 9