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Money Insurance policy helps your business cover cash in transit and on premises against theft, loss, or robbery—reducing the financial impact of unexpected incidents.
What’s Covered
A money insurance policy in India protects businesses against financial loss of cash in hand, in safe, or during transit. It covers risks such as robbery, hold-up, and accidental loss, helping companies maintain liquidity and reduce operational disruption.
Covers loss of cash while being transported between offices, banks, or client locations. Money in transit insurance for businesses applies during authorized transit and within declared carrying limits.
Protects money kept in safes, cash counters, or strong rooms at insured premises. Coverage applies within approved storage limits and security requirements defined under the money insurance policy terms.
Covers financial loss arising from robbery or hold-up at business premises or during transit. Money insurance coverage for companies applies where incidents meet policy definitions and reporting requirements.
Extends protection when employees are authorized to carry cash for business purposes. Coverage applies within declared limits, approved routes, and defined time periods under the policy.
Provides cover for accidental loss of money during transit, provided reasonable care, documentation, and approved security procedures are followed as required under policy conditions.
Advisory assistance during the Money Insurance Claim Process, including FIR filing, cash reconciliation, supporting documentation review, and coordination with surveyors for timely assessment.
Suitable for businesses managing daily cash flows.
Covers robbery and unexpected cash shortages.
Helps maintain working capital after a loss.
Covers cash during movement and storage.
Promotes disciplined handling and safeguards.
Aligned with declared cash risk levels.
How to Buy
A money insurance policy in India protects businesses against loss of cash in hand, in safe, or during transit. Disha Capital Insurance Brokers evaluates cash exposure, reviews coverage terms, and structures Money Insurance for Business aligned with operational risk and financial controls.
Leadership-Level Advisory
Clear Premium & Cost Visibility
Dedicated Advisory Support
Review daily cash limits, transit routes, storage arrangements, and handling controls.
Assess cash-in-safe, transit cover, exclusions, limits, and insurer terms.
Provide cash handling processes, movement schedules, security measures, and loss history.
Approve terms, complete documentation, pay the premium, and activate coverage.
Faq’s
Money Insurance usually covers loss of cash due to robbery, theft, hold‑up, or accidental loss while money is in transit or stored at insured premises (such as an office, shop, or warehouse), subject to policy terms, limits, and security conditions.
Standard money insurance policies often exclude loss due to employee negligence or fraud, but some insurers offer optional add-ons or separate fidelity covers to protect against employee dishonesty; always check the wording and available riders before buying.
Most money insurance policies cover loss of money while being carried between your business premises and the bank (for deposits or withdrawals), provided the transit follows the required safety measures, such as approved routes, security guards, or specified modes of transport.
Yes, insurers usually apply separate sum insured and per‑event limits for money kept in a safe or strong room at the premises and for money in transit, so businesses should set realistic limits for both based on average and peak cash holdings.
Business Money Insurance can typically be customized with higher limits, cover for multiple locations, adjusted transit routes, and optional extensions for nighttime storage or special events, making it suitable for retailers, petrol pumps, restaurants, NBFCs, and other cash-intensive businesses.
Premium for money insurance is generally based on factors like total annual cash in transit, average amount carried per trip, distance and frequency of transit, security arrangements, nature of business, and limits for cash in safe or at counters.
In case of a covered loss, businesses usually need to inform the insurer immediately, file a police report (FIR), preserve CCTV footage or other evidence, submit claim forms, cash records, and supporting documents, and cooperate with the surveyor appointed by the insurance company to assess the loss.
Disha Capital Insurance Brokers Pvt Ltd
Head Office : 1404-A, 43 Chiranjiv Tower, Nehru Place, New Delhi – 110019
Contactus@dishainsurance.com
+918796708683
