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Now you can rest assured that your business is secure and protected. RBS introduces "Business Cover" – an annual insurance plan that provides complete coverage to your business under any unforeseen circumstances.

What is Business Cover?
RBS in collaboration with NJI General brings to you “Business Cover”, an annual insurance plan that provides comprehensive coverage of your business property, its contents and valuables against any natural disaster, riots & strikes, burglary and acts of terrorism.

What benefits does Business Cover provide?

1. Hassle-free enrollment process
   No preliminary property assessment is required for you to avail Business Cover.
   
2. One time payment for full year coverage
   Simple and convenient single payment plan that gives you year long insurance coverage so your business can run uninterrupted at all times.
   
3. Coverage for your business structure and contents
   Comfort of payments against damage or loss to the internal contents (personal computers, printers etc.) and external contents (structure, shutter / gate, neon signs etc.)
   
4. Immediate cash pay out up to PKR 500,000
   In case of any eventuality, Business Cover takes care of your instant cash needs through an immediate payout benefit up to PKR 500,000
   

What price do I pay to avail this insurance plan?
There are 3 plans that have been designed to meet your business needs:

Package A
Annual Premium: 7,500

Coverage Description	Cost
Office Structure, Contents and Valuables	300,000
Burglary on carry-able items	75,000
Cash In safe	50,000
Personal Accident	250,000
Facial Signboard / Signage	25,000
Total Coverage	700,000

Package B
Annual Premium: 9,000

Coverage Description	Cost
Office Structure, Contents and Valuables	300,000
Burglary on carry-able items	75,000
Terrorism	300,000
Cash In safe	50,000
Personal Accident	250,000
Facial Signboard / Signage	25,000
Total Coverage	1,000,000

Package C
Annual Premium: 12,000

Coverage Description	Cost
Office Structure, Contents and Valuables	600,000
Burglary on carry-able items	150,000
Terrorism	600,000
Cash In safe	100,000
Personal Accident	500,000
Facial Signboard / Signage	50,000
Total Coverage	2,000,000

What sort of damages is my business insured against?
The insurance plan covers any damage to the business premises, its contents and valuables occurring due to:

1. Natural disasters such as fire, lightening, earthquake
   
2. Political calamities such as riots and strikes
   
3. Acts of malicious intent such as armed hold-up, dacoity
   
4. Explosions (excluding explosion of steam pressure plant belonging to or under control of the insured)
   
5. Dropping of Aircraft and other aerial devices or articles
   
6. Impact damage resulting from any road vehicle; not belonging to or under the control of the insured
   
7. Atmospheric disturbances such as flood, cyclone, windstorm, typhoon, hurricane, storm
   
8. Acts of terrorism

How can I enroll for Business Cover?
To enroll for Business Cover, simply call our Platinum Call Center at 111-11-71-71 to activate this insurance plan on your RBS Credit Card.

How can I process my claim?
You can follow 3 simple steps to process your claim:

1. To process your claim please contact NJI General, the underwriter for Business Cover within seven (7) days of the incident at (021)35611071 – 5
   
2. Provide a written statement describing the nature of the loss
   
3. Provide a First Information Report (FIR) and all necessary documentation / explanations and any other evidences as may be required by the company.

How soon can I get the claim reimbursed?
NJI General will settle your claim within seven (7) working days upon receipt of all the required documents.

Terms and Conditions

• For further details, please refer to the RBS Credit Card Terms and Conditions.
  
• You must be an RBS Platinum, mc², Ufone or airblue Credit Card Customer to be eligible for Business Cover.

Disclaimer:

1. The Bank is acting as a distributor of Insurance Policy on behalf of the Insurance Company and shall not be held responsible in any manner whatsoever to any person, including but not limited to, the Insured Customer(s) beneficiary or any third party.
   
2. The Insured Customer’s statement of account/ application form or recorded verbal statement will act as his/her enrollment under the program (if his/her account is charged under the program) and will govern the determination of the rightful beneficiary under this insurance coverage.

It is clarified and recorded that the Bank shall not under any circumstances be liable either directly or indirectly for any obligation of the insurance company as the insurer in respect of the policy and the bank shall not be construed or deemed in any manner to be agent or broker of the insurance company in respect of the policy, or any insurance policy or the business. Further it is also clarified that the Bank shall not be either directly or indirectly liable for any obligation of the insured customer towards the insurance company in respect of the business or the policy or any other policy offered to the insured customer, and the policies in respect of the Prestige Life Insurance shall constitute independent contracts between the insurance company and insured customer.

 

For more information on the RBS Platinum Credit Card please call our Platinum Call Center at 111-11-71-71