tender 2015-16 for assets, stock, boiler ... - dudhsagar dairy

MEHSANA DISTRICT COOPERATIVE MILK PRODUCERS UNION LIMITED DUDHSAGAR DAIRY, HIGHWAY, MEHSANA – 384 002

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TENDER – ASSETS INSURANCE

TENDER 2015-16

FOR

ASSETS, STOCK, BOILER,

LAPTOPS, MONEY, FIDELITY

INSURANCE


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NO: FIN/INS/ 2030 Date : 09-Nov-2015

To:

GENERAL INSURANCE COMPANIES

(only insurance company directly can participate in tender. Quotes through/from Brokers or

other such Insurance agencies shall not be considered or entertained)

Dear Sir,

Reg: Inquiry for Assets Insurance renewal w.e.f. 01-Dec-2015

We are desirous of insuring / renewing various risks associated with our assets located at

various places as per the scheme / requirements of insurance stated herein below. If you are

interested in undertaking the insurance of the same please send us your quotes, stating therein

in clear terms the premium, terms and conditions of insurance.

I. FIXED ASSETS & RISKS TO BE INSURED

FIXED ASSETS TO BE COVERED

“Fixed Assets” shall mean to include the Buildings (Buildings includes Sheds, Roads,

Bridges, Pools, Compound Walls, Security Cabins, Hoardings, Statues, Culverts etc.), Plant

& Machinery, Data Processing Equipments, Office Equipments, Furniture & Fixtures,

Electric Fixtures etc. at various locations, whether movable or immovable and whether that

location is owned or rented or contracted.

“Machines and Spares in Storage” means Bulk Cooler Machinery, Milk Testing Machines,

Data Processing Equipments and other such items of equipment meant to be issued to the

village milk societies for milk collection. Such items are temporarily stored at the respective

Milk Chilling Centre/Dairy Units.


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I.01. IAR POLICY FOR ASSETS, STOCKS AND BOILERS AT MEHSANA,

DHARUHERA, MANESAR AND CATTLE FEED PLANT AT JAGUDAN,

AND UBKHAL

Insurers are required to submit their quote for IAR policy for above locations and necessary

details required is given below;

I.01.A LOCATIONS TO BE COVERED

Fixed Assets as per Statement No.1 located at Mehsana, Dharuhera, Manesar and Cattle Feed

Plants at Jagudan and Ubkhal (Statement No.1 ) are to be covered under Industrial All Risk

Policy for assets as per details already given in Statement No.-1 attached hereto.

Rest of the locations will be covered under SFSP Policy and for this purpose all the

conditions mentioned for SFSP Policies under Para-I.02, so far as applicable, shall be

considered including Add On covers and other clauses.

I.01.B SUM INSURED FOR STOCKS (ON FLOATER BASIS)

Sum Insured for Stocks (Finished Goods, Semi-finished Goods, Stock-in-Process, Raw

Materials, Packing Materials, Trading Materials, Stores, Spares, Consumables, Fuel, Scrap

including emptied reusable bags/containers etc.) will be considered at Rs.400 Crore on floater

basis only for IAR Locations stated above.

I.01.C SUM INSURED FOR FLOP

Only FLOP cover shall be considered for Loss of Profit cover and for this, 03 months period

is to be considered. Sales Turnover (net of tax) of the Union for F.Y.2014-15 was Rs.4236

Crore and Gross Profit (before Administrative, Sales-Marketing Exps, Miscellaneous Exps.,

Interest and Depreciation) was approx. 5.35% of the annual turnover. With approx. 5%

increase in turnover, the same ratio of GP is expected to continue during current financial

year also and it is proposed to adopt G.P. of Rs.240 Crore for FLOP cover with excess clause

for not more than 07 days.


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I.02. SFSP POLICIES FOR FIXED ASSETS AT LOCATIONS OTHER THAN

COVERED UNDER IAR POLICY

Location wise fixed assets to be insured under this policy are listed in:

Statement – 2 enclosed with this document.

I.02.A ASSETS & RISKS TO BE COVERED

The risk coverage and other clauses that should be made applicable to the assets stated in

Statement-2 are briefly stated herein below:

RISKS TO BE COVERED:

SFSPP RISKS: All our assets will be covered for risks stated under Standard Fire & Special

Peril Policy risks (to include STFI – Storm, Tempest, Flood, Inundation group of perils and

RSMD – Riot, Strike, Malicious Damage) with no exclusions.

I.03. ADD ON COVERS TO BE PROVIDED FOR IAR AND SFSP POLICIES

Following Add On Cover shall be provided in SFSP policies mentioned at Para-I.02 above

and also for IAR policy mentioned at Para-I.01 so far as applicable and not already provided

under IAR policy.

I.03.A ADD ON COVER for EARTHQUAKE:

All categories of Assets at all locations proposed for insurance shall be considered for Add

On Cover for Earthquake.

I.03.B TERRORISM COVER:

Assets located at all the locations shall be included for Terrorism cover.

However insurance company shall give quote for Terrorism separately for locations covered

under IAR as per Statement-1 to this document including Stocks covered under IAR.

I.03.C AGREED BANK CLAUSE:


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Agreed Bank Clause wherever applicable shall form part of the policy document. Names of

the banks shall be communicated to the Insurance company at the time of award of the

policy. However, if necessary during tenure of the policy, the names of one or more Banks

will be communicated to the Insurer and these names shall also be endorsed for Bank Clause

and the Insurer shall forthwith include the Bank in the Bank Clause.

I.03.D DESIGNATION OF PROPERTY CLAUSE:

Designation of Property Clause is to be included in the policy. That is, for the purpose of

determining, where necessary, the item under which any property is insured, the insurers will

agree to accept the designation under which the property has been entered in the books of

Mehsana Dist. Co-op. Milk Producers’ Union Limited.

I.03.E REINSTATEMENT VALUE CLAUSE:

Reinstatement Value Clause shall be included in the policy. The sum insured for all assets at

present as per Annexure-1 & 2 attached herewith have been stated at its approximate

replacement/reinstatement value.

I.03.F LOCAL AUTHORITY CLAUSE:

Local Authority Clause shall be included to cover the additional cost of reinstatement solely

by reason of the necessity to comply with the regulations of local authorities.

I.03.G ESCALATION CLAUSE:

An escalation clause equivalent to 10% of the total value of insurance shall have to be

considered while calculating the premium figures.

I.03.H OMISSION TO INSURE CLAUSE:

All possible care has been taken to include the value of all assets till the initiation of this

renewal process. However the insurer shall consider cover of any possible omission to insure

any additions, alterations or extension that might have happened inadvertently by the insured.

I.03.I SPONTANEOUS COMBUSTION CLAUSE:


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Loss arising to the stocks and fixed assets out of “Spontaneous Combustion of the raw

materials stored in Cattle Feed Plants" premises at Boriavi, Jagudan and Ubkhal shall be

included in the policy. The assets of these classes are stated in Statement No: 1 & 2 of this

document.

I.03.J ARCHITECTS, SURVEYORS AND CONSULTING ENGINEERS FEES:

Standard Clause shall be included.

I.03.K REMOVAL OF DEBRIS CLAUSE:

Standard clause of debris removal shall be inserted.

I.03.L MISCELLANEOUS

If new locations are required to be added the Insurer will be informed of the same by the

Dairy and thereafter the Insurer shall make a necessary endorsement of addition of location

with or without any change in Total Sum Insured as per the needs of the Union.

If the TSI is required to be increased, the Insurer will be informed and the Insurer shall agree

to increase the TSI accordingly. Premium payment in the case of an increase in TSI will only

be at the existing rate of Insurance adjusted for the period already elapsed. In other words the

Insurance premium will be proportional to the remaining period of insurance without charge

of any short period premiums.

I.04 CLAIM EXPERIENCE (ASSETS AND STOCKS)

Mehsana Union has a policy to insure all assets on a continual basis year after year and the

assets under consideration (excluding the additions to the assets during period of last one or

two months) are insured for SFSPP risks including Earthquake and Terrorism till 30-11-2015.

1) During the policy period (01-12-2010 to 30-11-2011), there were two claims under SFSP

Assets and Stock policies;

a) There was a fire in Powder Plant located at our Dudhsagar Dairy unit at Mehsana on

06th February, 2011. Machinery and stocks were damaged in the incident. The


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damaged machinery was reinstated by us at the cost of Rs.4.90 Crore approx. The

insurance company has accepted and paid the claim Rs.1.92 Crores.

b) There was explosion and consequent fire in the cold storage building located at

Dudhsagar Dairy unit at Mehsana on 3rd

September, 2011. Building, Machinery and

Stocks were damaged in the incident. The estimated claim amounts on account of

Stocks, Building and Plant & Machinery was Rs.15 Crore approx. (Reinstatement

Value basis). In settlement of this claim, Rs.11,93,59,000/- have been accepted and

paid by insurance company (after deduction of Debris Removal (1%), Salvage, Under

Insurance, Excess etc.).

2) During the policy period (01-12-2012 to 30-11-2013), there is one valid claim under IAR

Policy on account of stock;

a) On 07-Sep-2013, there was an incident of ammonia leakage at Manan Cold Store,

Ranasan GIDC, Vijapur, Dist. Mehsana where our stock of White Butter (Amul) was

stored in one of the chamber hired by us. Out of total 25,827 Boxes of 15 Kgs. each

(387.405 MTs.), 24,733 Boxes were saved and 1,094 Boxes were completely spoiled.

Rest of the Butter had to be re-processed and converted into Ghee. Claim Amount

worked out to be approx. Rs.32.13 Lacs (after considering Salvage, Excess etc.) and

the claim have been fully paid by UIIC.

3) During the policy period (01-12-2013 to 31-11-2014), there have been 04 claims under

IAR or SFSP policies as follows;

a) On 29-Apr-2014, main road side Compound Wall of our Hansapur Chilling Centre,

Dist.Patan (covered under SFSP policy) was damaged by a speeding car. The loss on

account of this damage have estimated at Rs.80,000/- approx.. The wall is now

restored and claim has not been lodged with the insurance company due to money

being recoverable from the car owner.

b) On 07-Jun-2014, claim on account of malicious damage by transport drivers arose at

our Manesar Dairy Unit (covered under IAR Policy). Damage to Buildings &

Furniture & Fixrures (mainly Glass partitions), Plant & Machinery, Office


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Equipements and Stocks have been estimated at Rs.66 lacs. The repair/restoration

have been done and final claim documents have been lodged with the insurance

surveyors and their report is awaited.

c) On 18-Jul-2014, compound wall (approx. 80 feet) at our Dudhsagar Dairy Unit at

Mehsana (covered under IAR Policy) was fallen due to monsoon flood water. The

damage was estimated at Rs.7 to 8 lacs approx. The wall is almost restored and claim

has not been paid being below IAR policy excess.

d) On 28-Sep-2014, the statue of Buffalo at Khali Char Rasta, Siddhapur (covered under

SFSP policy) was maliciously damaged by some persons. The damage has been

restored and claim of Rs.4.20 Lacs has been lodged with the insurance company.

4) During policy period (01-12-2014 to 30-11-2015), there have been 02 claims under IAR

and SFSP policies as follows;

a) On 26-Jul-2015, there was heavy rain with heavy wind storm in the area of Mehsana

and Patan districts. Stocks, Compound Wall, Hoardings, Civil Structures were

damaged at our Mehsana Dairy Plant, Jagudan Cattle Feed Plant, Ubkhal Cattle Feed

Plant, Kadi Dairy Plant, Hansapur Dairy Plant and Jagudan Farm. The estimated

damage of Stocks and Fixed Assets were Rs.25,38,700/- and Rs.29,25,157/-

respectively. Surveys have been done and the claim is under process at present.

b) On 12-May-2015, Cream storage tank at Kadi Dairy Plant was damaged due to

implosion. The estimated repairing cost of the tank as given by manufacturer is

Rs.12,90,000/-. Surveys have been done and the claim is under process at present.

Other than above for last 5 policy periods, there were no insurance claim arising out of loss to

our properties, either under IAR/SFSP risks or under Boiler Explosion or other risks.


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II. FIRE INSURANCE OF STOCKS AT LOCATIONS OTHER THAN IAR

II.A STOCKS TO BE COVERED (ON FLOATER BASIS)

All the inventory items of the Union are to be covered. Inventory includes the stock of

Finished Goods, Semi-finished Goods, Stock-in-Process, Raw Materials, Packing Materials,

Consumables, Stores & Spares, Fuel, Trading Materials, Scrap including emptied reusable

bags/containers etc.

II.B LOCATIONS (TWO SEPARATE POLICIES REQUIRED FOR EACH

REGION)

For stock insurance purposes, locations are to be considered as follows;

1. Stocks at all locations in Gujarat other than locations covered under IAR

policy i.e. Mehsana, Jagudan and Ubkhal stated hereinabove. All stock items

stated in II.A above and belonging to Mehsana Dist. Co-op Milk Producers

Union Ltd. shall be covered.

2. Stocks located at locations outside Gujarat other than locations covered under

IAR policy i.e. Dharuhera and Manesar in Haryana stated hereinabove (all of

them are hired premises, hired dairy units or job work units or cold storages or

godowns) in the states of Delhi NCR, Haryana, Rajasthan, Uttar Pradesh and

adjoining states in India. All stock items stated in II.A above and belonging to

Mehsana Dist. Co-op Milk Producers Union Ltd. shall be covered.

Individual location addresses shall not be provided since ours is a seasonal

business and number of storage locations are added and removed during the policy

tenure, hence it is not always possible to keep track and endorse each and every

locations in the stock policy because of our wide geographical presence. Stock

ownership can be established by identification of items, Book records and other

relevant documents. Insurer shall specifically mention coverage of these stocks in

policy document.


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II.C SFSP COVER

The Total value of the stocks to be insured is –

(1) For locations at II.B.1 above - Rs.50 Crores.

(2) For locations at II.B.2 above – Rs.30 Crores.

Stock shall be covered for SFSPP including STFI and RSMD group of risks and also

including Earthquake cover.

In addition to the above cover the following additional risk cover shall be covered:

II.D DOS EXTENSION COVER ARISING OUT OF INSURED

PERILS AT INSURED PREMISES ON DECLARATION BASIS

For Cold Store Products viz. Milk, Table Butter, White Butter, Ice-Cream, Dahi etc. stored /

to be stored in Cold stores in different locations, a DOS extension cover is desired. The value

of cover desired is Rs.25.00 Crores for each stocks policy at II.B above.

OTHER CONSIDERATIONS / CLAUSES

II.E DECLARATION CLAUSE:

The policy is intended to be declaration policies that declarations of same are made at the end

of each month to the Insurer and the Insurer should agree to refund the proportionate

premium for the stocks that fall short of the Total Sum Insured. The declarations of the stocks

as at the end of the month will be made for each calendar month by the end of next month.

II.F FLOATER CLAUSE:

Stock policies shall be floater policies. If the TSI is required to be increased, the Insurer will

be informed and the Insurer shall agree to increase the TSI accordingly with or without

addition/s of location/s. Premium payment in the case of an increase in TSI will only be at the

existing rate of Insurance adjusted for the period already elapsed. In other words the


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Insurance premium will be proportional to the remaining period of insurance without charge

of any short period premiums.

II.G AGREED BANK CLAUSE:

Agreed Bank Clause wherever applicable shall form part of the policy document. Names of

the banks shall be communicated to the Insurance company at the time of award of the

policy. However, if necessary during tenure of the policy, the names of one or more Banks

will be communicated to the Insurer and these names shall also be endorsed for Bank Clause

and the Insurer shall forthwith include the Bank in the Bank Clause.

II.H OTHER ADD ON COVERS:

Add on Cover / Clauses mentioned in Para I.03 above shall be included so far as it is

applicable to stocks.

II.I CLAIM EXPEREINCE - STOCKS:

Please refer to Para-I.04 of this Inquiry for claim experience on assets including stocks.

III. BOILER EXPLOSION POLICIES

III.A ASSETS TO BE COVERED

Location wise Boilers to be covered under this policy are listed in: STATEMENT – 3

ENCLOSED WITH THIS DOCUMENT.

It may be noted that the Boilers and the values stated in this statement is already included in

Statement – 2 for SFSPP risks and the cover desired under this category of risks is the various

risks under the Boiler Explosion Policies. It may be noted that the sum insured for boilers are

approximate replacement value of each boiler.

III.B RISKS TO BE COVERED

The policy shall cover all the standard risks covered under the Boiler Explosion policies.

And if there is any exclusion clause the same shall be specifically stated in the offer.


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The policy shall also cover the insurance for loss to the surrounding property of Rs.10 Lacs

for each Boiler and also for Third Party Damage Insurance equivalent to Rs.10 Lacs for each

Boiler.

IV. COMPREHENSIVE COVER FOR LAPTOPS

IV.A ASSETS TO BE COVERED

Laptops are provided to various Officials of the Dairy as per the list and details given in:

STATEMENT – 4 ENCLOSED WITH THIS DOCUMENT.

It may also be noted that the Laptops have been covered at their purchase value, the

Replacement Value shall be considered for Insurance, however.

IV.B RISKS TO BE COVERED

The policy shall cover all the standard risks covered under the Portable Electronic Equipment

Insurance Policy and also the risk attached with the worldwide Travel. If there is any

exclusion clause the same shall be specifically stated in the offer or else the same shall not be

considered by us.

V. CASH & FIDELITY POLICIES

We would also like to have the following risks insured:

V.01.A CASH AT COUNTER AT DUDHSAGAR DAIRY, MEHSANA

Sum to be insured : Maximum of Rs.1,50,00,000/- on any day

V.01.B CASH IN SAFE AT DUDHSAGAR DAIRY, MEHSANA

Sum to be insured : Maximum of Rs.1,50,00,000/- on any day

V.01.C CASH IN TRANSIT POLICY – DUDHSAGAR DAIRY, MEHSANA


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Sum to be insured : Rs.1.50 Crore per transaction

Total transaction value during a year Rs.30 Crores

Transit means : Carrying of Cash between different banks at Mehsana

and the Dairy either for depositing Cash with the banks

or for carrying cash withdrawals from Bank to Dairy as

well carrying of cash for business purposes by any

employee of the Mehsana DCMPU Ltd..

V.01.D CASH AT COUNTER AT DUDHMANSAGAR DAIRY – MANESAR

Sum to be insured : Maximum of Rs.5,00,000/- on any day

V.01.E CASH IN SAFE AT DUDHMANSAGAR DAIRY – MANESAR,

HARYANA.

Sum to be insured : Maximum of Rs.5,00,000/- on any day.

V.01.F CASH IN TRANSIT POLICY AT DUDHMANSAGAR DAIRY – IMT

MANESAR, HARYANA.

Sum to be insured : Rs.5.00 Lacs per transaction

Total transaction value during a year Rs.3 Crores.

Transit means : Carrying of Cash between different banks nearby and

our Dairy at Manesar either for depositing Cash with

the banks or for carrying cash withdrawals from Banks

to Dairy as well carrying of cash for business purposes

by any employee of the Mehsana DCMPU Ltd..

V.01.G CASH AT COUNTER AT DUDHMOTISAGAR DAIRY –

DHARUHERA, HARYANA.

Sum to be insured : Maximum of Rs.2,00,000/- on any day


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V.01.H CASH IN SAFE AT DUDHMOTISAGAR DAIRY – DHARUHERA,

HARYANA.

Sum to be insured : Maximum of Rs.2,00,000/- on any day.

V.01.I CASH IN TRANSIT AT DUDHMOTISAGAR DAIRY – DHARUHERA,

HARYANA.

Sum to be insured : Rs.2.00 Lacs per transaction.

Total transaction value during a year Rs.2 Crores.

Transit means : Carrying of Cash between different banks nearby and

our Dairy at Dharuhera either for depositing Cash with

the banks or for carrying cash withdrawals from Banks

to Dairy as well carrying of cash for business purposes

by any employee of the Mehsana DCMPU Ltd..

V.02.A FIDELITY GUARANTEE POLICY – DUDHSAGAR DAIRY, MEHSANA

Sum to be insured : Rs.150 Lacs per person

Number of persons : Any 4 employees of Accounts Dept, Mehsana.

V.02.B FIDELITY GUARANTEE POLICY – DUDHMANSAGAR DAIRY, IMT –

MANESAR, HARYANA.

Sum to be insured : Rs.5.00 Lacs per person

Number of persons : Any 04 employees of Dudhmansagar Dairy.

V.02.C FIDELITY GUARANTEE POLICY – DUDHMOTISAGAR DAIRY,

DHARUHERA, HARYANA.


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Sum to be insured : Rs.2.00 Lacs per person

Number of persons : Any 02 employees of Dudhmotisagar Dairy.

VI. FIRE, BURGALARY, LOOT, RSMD ETC. FOR AMCS AT VILLAGE MILK

SOCIETIES AT RAJASTHAN, HARYANA, UP ETC.

A separate cover is desired for computerized milk collection units called AMCS (Automatic

Milk Collection System) provided by us to approx.. 4000 to 5000 village milk societies in the

state of Rajasthan, Haryana and Uttar Pradesh. Pl see Statement No.2 (#Z1) in this regard.

The value of each AMCS is approx.. Rs.1,20,000/- and AMCSs are scattered over 4000 to

5000 villages. The list of “village society names only” may be provided at the time of issue of

the policy.

VII. GENERAL TERMS & CONDITIONS

PERIOD OF INSURANCE

The period of insurance cover required is for a period of one year commencing from 01-12-

2015 to 30-11-2016, both days inclusive.

SUM INSURED, EXCLUSION CLAUSES IF ANY AND DISCOUNTS

Your offer shall clearly indicate the calculation and amount of basic rates, category, rate and

amount of discounts offered, tax rate and amount et al. Exclusions if any shall also be stated.

Kindly be informed that acceptance of an offer with exclusions not indicated in our inquiry

will be at the sole discretion of the Management. It is expected that the Offers contain in

specific and unambiguous terms exclusions, if any.

General Conditions / Points

The Insurer will provide a list of Surveyors with their name, addresses and contact

numbers. In the event of any claim for loss, the surveyors shall be appointed by

Mehsana DCMPU Ltd.


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We expect the Insurers to comply with the Rules and Regulations of IRDA / TAC of

IRDA and shall, in case of any dispute arising out of any violation, the Insurer shall

indemnify the Union of all consequences, financial or otherwise.

Please also specify, in unambiguous terms, whether you have considered all inclusions

/ conditions stated in this letter.

In case you require any additional information / clarifications on any of the related

points please feel free to contact the undersigned.

Kindly note that Mehsana DCMPU Ltd. reserves the right to reject any offer without

assigning any reason.

SUBMISSION OF QUOTATIONS

Your quote should be in sealed cover superscribed as “QUOTATION FOR ASSET

INSURANCE” and addressed to “Chief General Manager (Fin & A/cs), Mehsana DCMPU

Ltd., Dudhsagar Dairy, Highway, Mehsana – 384 002”. The sealed cover containing quote

should reach us at aforementioned address latest by 4.00 pm on 19-Nov-2015.

QUERIES IF ANY ON THE INSURANCE : In case you have any queries on

the nature of risk and cover for insurance desired please contact us during office hours.

If you are interested in the insurance of the risk mentioned above, please send your

quote as per the guidelines and conditions stated above.

With Regards

For Mehsana Dist. Co-op Milk Produ. Un. Ltd.

sd/-

Chief General Manager (Fin & A/cs)

Enclosures: As above.


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CHECK LIST OF INSURANCE QUOTES – SFSPP & BOILER EXPLOSIONS

(MANDATORY TO BE FILLED BY ALL THE BIDDING INSURANCE

COMPANIES)

Clarification Sought Clarification Remarks

1 Whether the quotes conform to IRDA

Guidelines ?

2 Whether the Policy will be amended on

Pro-rata premium if Sum Insured is

increased during the currency of the

Policy ?

3 Will the rates remain same if only a

part of the entire Risk is offered for

Insurance ?

4 What are the other services, Insurer

will be providing in case the mandate

given for the subject insurance ?

Will the service so offered be Free or

chargeable ?

5 Any other point of relevance you may

like to mention here.

For __________________General Insurance Company Limited

(Authorized Signatory)

Date :


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For ASSETS SFSP Policies (01-Dec-2015 to 30-Nov-2016):

Clarification Sought Clarification Remarks

1 Is STFI covered ?

Any Exclusions ?

2 Is RSMD covered ?

Any Exclusions ?

3 Is Earthquake covered ?

Any Exclusions ?

4 Is Plinth & Foundation included for

Earthquake ?

5 Is Terrorism covered ?

Any Exclusions ?

6 Bank Clause ?

7 Reinstatement Value Clause ?

8 Local Authority Clause ?

9 Escalation Clause and its Rate ?

10 Additions Clause and its Rate ?

11 Omissions Clause and its Rate ?

12 Cover of Fire to Building / Plant arising

out of Spontaneous Combustion of

stocks ?

13 Rs.10.00 Lacs for each Boiler for TPL

and SP covered ?

14 All Cash & Fidelity Covers given ?

For ______________ General Insurance Company Limited

(Authorized Signatory)

Date :

tender 2015-16 for assets, stock, boiler ... - dudhsagar dairy

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