Covers the loss or damage to the insured property such as office building, office equipment and other property due to an insured peril such as fire, lightning, storm, inundation, missile testing operations, impact damage, riot & strike etc. The perils could be man-made or Acts of god perils which are acting at the time of the loss or damage.
Erection All Risk Insurance
Covers the insured risks of loss or damage to the property during construction or testing. The policy also provides comprehensive cover for the projects during the storage of raw materials, erection phase as well as testing phase of the property at the insured site. Add-ons under the policy can cover the damages or losses suffered by third parties.
Contractor’s All Risk Insurance
Covers the insured's property regarding contract works, plant and machinery in the construction site against any man-made or act of god perils. Third-party claims for bodily injury and property damage sustained during a civil project are also covered by the policy.
Directors and Officers Liability Insurance
Covers the claims arising out of the losses or damages arising out of the lawsuits against the directors and officers of a company for any alleged wrongful acts or negligence in their decision-making.
Trade Credit Insurance
Covers the businesses against the default risk of the customers who take the money from the business and fail to repay them. If the customers can only repay the money partially or within a stipulated period or outside the payment terms for a business, then the trade credit insurance policy would settle the claim up to the business's limit.
Marine Insurance
Covers the loss or damage to the cargo as well as the hull due to any of the insured perils mentioned under the policy. Marine cargo insurance covers the cargo's loss or damage during loading, a voyage, or at the warehouses. In contrast, marine hull insurance covers the loss or damage to the hull whilst in the sea or at the port due to any insured peril.
Cyber Risk Insurance
Covers an organization's liability in case of a data breach involving the sensitive information of the customers and that of the organization. The policy pays for releasing the systems from hackers, the costs incurred in decrypting the information, and the costs incurred in recovering the information.
Keyman Insurance
Covers the financial losses arising from the death or disability, rendering them unable to perform their duties in the organization. Keyman could be any employee who contributes significantly to the day-to-day operations of the company and without whom the business would incur significant financial losses.
Professional Indemnity Insurance
Covers the claims arising out of the losses or damages to third parties due to your services. The claims could be a result of negligence during the execution of the services. Professional indemnity insurance covers professionals such as doctors, architects, engineers, Chartered accountants, etc.
Commercial General Liability Insurance
Covers businesses from financial losses arising from property damage or bodily injury caused by your services, business operations and employees. The corporate insurance policy protects businesses from liabilities arising from their activities.
Long Term Home Insurance
A homeowner with peace of mind knowing that their property is protected against unforeseen events that can cause significant damage.
Travel Insurance
Travel insurance comes with a lot of power packed features such as hospitalization cover, dental cover, reimbursement in case of loss of passports, tickets, checked-in baggage cover, cancellation of flight, hotel booking cover, delayed flight, missed connection, home contents cover, pet cover, repatriation cover etc.
Film Insurance
Film insurance in India refers to ensuring the film is against any unforeseen circumstances resulting in a loss to the film's producer. The unforeseen circumstances include accident, illness, or disease to the actors in the film leading to the cancellation of schedules and resulting in direct loss to the producer.
Event Insurance
Events such as Corporate conferences, get-togethers, seminars, concerts, award ceremonies, annual functions, birthday functions, marriage functions, destination weddings, sports events, etc., are a part of life and involve financial and personal interests at stake if the outcome is not as planned.
Product Liability Insurance
Product liability insurance provides legal protection to its insured in case they face claims brought by third parties for bodily injuries caused by products manufactured or supplied by the insured. Under such policies, an insurance provider would reimburse all expenses related to defending claims made against an insured party.
Group Term Insurance
Term insurance insures an asset (in this case, your life) for a specified period of time (term). The peril insured in term insurance is death.Group Term Insurance therefore, is term coverage offered to a group of people (generally employees of an organization).
Commercial Crime Insurance
Commercial crime insurance policy is also known as Business Crime Insurance and is designed to cover the losses arising out of internal and external perils related to business such as fraud, forgery, theft, burglary etc.
Jeweller's Block Insurance
Jeweller’s block insurance is designed to cover the risks jewelry manufacturers and sellers face. Jewelry block insurance covers the loss or damage to jewelry, including watches, valuables, ornaments, cash, and currency notes, against theft, burglary, and other perils.
Trucks/ Commercial Good carrying vehicle (GCV) insurance
Good-carrying vehicle insurance applies motor insurance to commercial vehicles designated to carry goods. Commercial vehicles are those driven for business purposes, including passenger-carrying or goods-carrying vehicles.
Machinery Breakdown Insurance
Machinery breakdown insurance, formerly known as Boiler and Machinery insurance, is designed to cover the losses arising out of all types of mechanical, electrical, and accidental breakdowns as a result of internal and external causes.
Electronic Equipment Insurance (EEI)
Electronic equipment insurance provides comprehensive cover to systems which typically rely on low voltage and power sources. Electronic equipment insurance policies cover equipment that runs quietly compared to machinery like boilers or compressors.
Crop Insurance
Crop insurance provides protection for crops, agricultural produce, against natural calamities, such as excessive rain, unnatural rains or drought, diseases and pests, and floods. Crop and agricultural insurance do not cover claims made by malicious people who cause harm to the crop and product.
Bank Locker Policy Insurance
Bank lockers are traditionally considered a safe place for one's valuables, gold and jewelry as people believed there could be no other location to keep their valuables, gold and jewelry safe other than the bank lockers.
Fleet Insurance
fleet insurance, as the name suggests, is a type of insurance policy designed to cover multiple vehicles owned by a single entity under one comprehensive plan. This can include a range of vehicles, from cars and trucks to two-wheelers and machinery, depending on the specific policy.
Fidelity Guarantee Insurance
Fidelity insurance, also known as fidelity bond insurance and fidelity guarantee insurance, is a type of insurance designed to protect your business from the losses caused by your employees due to their acts such as dishonesty, theft or fraud.
Office Package Insurance
This is a package policy designed to cater for the complete insurance requirement of an office. It is a single policy covering various contingencies faced by offices, which are normally covered as separate policies. We recommend that the Valuation norm to be used to arrive at the Sum Insured for all the Policies be REINSTATEMENT CLAUSE.
