We provide insurance solutions to corporates and individuals to enable them manage their exposures successfully. We specialise in :
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Insurance Broking
- FIRE
This policy covers loss or damage to Property by any of the named perils as mentioned in the Policy. - FIRE LOP
This policy covers Loss of Gross Profit due to reduction in turnover & Increases in cost of working. - BOILER AND/OR OTHER PRESSURE PLANT
This policy covers damage to the Plant or surrounding Property, other than by fire. - BURGLARY
This policy covers theft following upon an actual forcible and violent entry of and/or exit from the premises. - INDUSTRIAL ALL-RISK
This policy covers Property accidentally, physically lost, destroyed or damaged due to a named Peril as mentioned in the Policy. - BUSINESS INTERRUPTION
This policy covers Business interrupted/interfered with, in consequence of loss destruction/damage which is indemnifiable. - MACHINERY BREAKDOWN
This policy covers unforeseen and sudden physical damage by any peril mentioned in the Policy. - ALL-RISK
The ambit of this cover is loss/damage to property caused by fire, riot, Strike, terrorist activity, theft or accident from any fortuitous causes. - HOME & FAMILY PROTECTOR
This policy covers Furniture, fixtures, fittings, including tenants interior decorations, clothing’s, household linen, crockery, cutlery, kitchenware, television, video equipment, electronic equipment, electrical and mechanical equipment other household goods and personal effects. - JEWELLERS BLOCK
This policy covers damage due to fire, Explosion/Implosion lighting, aircraft damages, riot, strike, malicious damage. Theft or attempted theft involving violent and forcible entry into or exit from premises, robbery, dacoity and holdup. - OFFICE & PROFESSIONAL ESTABLISHMENT
This policy covers stock in trade, goods in transit, business and office furniture, fixtures, fittings, electrical installations , safes, office machinery, electronic equipment, interior decorations, improvements, office fronts and that portion of the structure of the Building occupied by you. - TRADERS PACKAGE
This policy covers 12 Sections:
1. Fire and Allied Perils
2. Burglary and other Perils
3. Money; Fidelity Guarantee
4. Fixed glass & sanitary fittings
5. Electronic Equipment
6. TV/Video Equipment; Portable computer, mobile phones; All risks
7. Breakdown of appliances; Deterioration of Refrigerated goods
8. Personal accident
9. Business interruption
10. Baggage
11. Liability Insurance
12. Goods in transit - PLATE GLASS
This policy covers any accidental loss of or damage caused to Plate Glass at the insured premises. - HOUSEHOLDERS’ INSURANCE
This policy covers:
1. Burglary & Theft
2. Jewellery & Precious items all risks
3. Plate glass
4. Breakdown of domestic appliances
5. Electronic Equipment
6. Pedal cycle
7. Baggage
8. Personal accident
9. Public Liability
10. Building & contents
- WORKMEN’S COMPENSATION
This policy covers employees who sustain personal injury by accident or diseases arising out of and in the course of his employment. - BANKERS INDEMNITY
This policy covers any direct loss of money/securities sustained by reason of any money/securities for which you are responsible or interested in or in the custody of which you have undertaken. - DIRECTORS’ & OFFICERS’ LIABILITY
This policy covers loss arising from any claim first made by reason of any wrongful act committed in the capacity of Director or Officer. - FIDELITY GUARANTEE
This policy covers loss sustained by reason of any act of fraud/dishonesty committed by the employee in connection with his/her employment. - GROUP PERSONAL ACCIDENT
This policy covers bodily injury which solely and directly causes insured person to death or disablement within 12 months of injury. - MONEY INSURANCE
This policy covers loss of money in transit, robbery, theft or any other fortuitous cause. - PUBLIC LIABILITY
This policy covers claims arising out of accidents occurring in the insured premises or out of injury or damage in connection with the business. - PUBLIC LIABILITY (NON-INDUSTRIAL)
This policy covers the insured’s legal liability to third parties ( i.e. public) and in the event of valid claim would pay compensation , claimants’ costs, fees and expenses, defense costs, shall not exceed Indemnity Limit. - PRODUCT LIABILITY
This policy covers bodily injury or property damage arising out of any act of the vendor, or any failure to maintain the product in merchantable condition. - PROFESSIONAL INDEMNITY
This policy covers losses and or damages during the period of insurance for any breach of professional duty by reason of negligent act, error or omission committed by the insured. - PUBLIC LIABILITY INSURANCE ACT
This policy covers statutory liability arising out of accidents occurring during the currency of the policy due to handling hazardous substances. - MOTOR VEHICLES
This policy covers:
1. Liability only Policy – Third Party Liability for bodily injury and/or death and property damages. Personal accident cover for owner driver is also included
2. Package Policy – loss or damage to the Vehicles insured in addition to above
- CONTRACTORS ALL-RISK
This policy covers Property lost, damaged or destroyed by any causes other than those specifically excluded . Covers cost of clearance and removal of debris. - CONTRACTORS PLANT & MACHINERY
This policy covers unforeseen and sudden physical damage by any cause not hereinafter excluded. - ERECTION ALL-RISK
This policy covers sudden and unforeseen physical loss of or damage to the property insured in the manner and to the extent provided. - ELECTRONIC EQUIPMENT
This policy covers electronic equipment like computers, Medical, Biomedical, Microprocessors etc. suffer any unforeseen and sudden Physical loss or damage.
- MARINE CARGO INSURANCE
Provides insurance cover for damage or loss of goods in transit by rail, road, sea, air, post, courier, etc. and is divided into the following two sections:- Inland Transit Insurance
Covers risks ranging from the restricted risks of fire & lightening only to all risks of loss or damage (including the risk of strike, riot or civil commotion) subject to certain uninsurable exclusions, for transits within the country. - Cargo (Export & Import) Insurance
Covers damage to cargo during its transportation between different countries by, air, sea, courier, post etc. It covers risks ranging from damage caused by fire or explosion only to all risks of loss or damage subject to certain uninsurable exclusions. Cargo policies can be extended to include War & SRCC risk on payment of additional premium.
- Inland Transit Insurance
- Policy Formats
1. Specific Policy: This policy covers specific single transit.
2. Open Policy: This is issued on annual basis and covers all dispatches sent from specified locations to specified destinations. Under this policy it is necessary to declare each and every consignment. - Other Marine Policies available
- Special Declaration Policy: This is an inland policy issued to clients with annual turnover exceeding Rs.2 crores. Under this cover individual dispatches’ declaration is not required and a quarterly declaration of value of goods transported suffices.
- Multi Transit Policy: This policy covers multiple transits of material including processing and incidental storage from material procurement stage to delivery of finished product for a single value.
- Increased Value Insurance: This policy covers the increased value of cargo, if the market value of the goods at the destination port, on the date of landing is higher than the CIF + Duty value of cargo.
- Duty Insurance: This policy covers loss of custom duty value suffered on imported consignments damaged after payment of duty.
- Advance Loss Of Profit /Delayed start up policy: Covers loss anticipated on account of delay in commencement of a project caused by damage to key machines and key components on account of operation of insured perils.
- Sellers’ Contingency Policy: This policy covers the interest of the seller against the contingency of non payment of the value of a consignment by the buyer on account of its condition having changed due to damage etc. before retirement of documents.
- MARINE HULL INSURANCE
This policy covers interests of ship owners and charters’ against the risks of fire, explosion, stranding, sinking, piracy, collision, general average sacrifice and various other perils of the sea.Policies are available for:
Ocean Going Vessels, Coastal Vessels, Inland Vessels, Port Crafts, Ship Building, Sailing Vessels, Charter’s Liability, Fishing Trawlers, etc.
- AIRCRAFT HULL ALL RISKS INSURANCE
This Policy covers physical loss or damage sustained by an insured aircraft, including its total loss or disappearance. The cover incorporates deductibles for all losses. - AIRCRAFT HULL DEDUCTIBLE INSURANCE
This policy covers an agreed proportion of deductibles placed in a Hull All Risks insurance and serves to mitigate the financial burden imposed thereby. - SPARES ALL RISK INSURANCE
This policy covers loss of or damage to spares, equipments etc owned by the Insured or for which the insured is liable on ground or whilst in transit by any mode of transit, including own aircraft. - HULL AND SPARES WAR RISK INSURANCE
This policy provides indemnity against losses suffered on aircraft and/or spares arising out of war, invasion, civil war, civil commotion, strikes, riots, malicious acts and the like. - AVIATION PERSONAL ACCIDENT (CREW MEMBERS) INSURANCE
This policy provides cover to insured crew members against injury, disablement or death due to accident. The cover can be taken either on “on duty” basis or “24 hours” basis, with a stipulated sum insured in respect of each insured person. - LOSS OF LICENSE INSURANCE
This policy covers financial loss consequent to the license of the member of the operating crew of an aircraft having been suspended or cancelled on account of permanent total disablement or temporary total disablement arising out of illness or bodily injury.