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»  MARINE CARGO
Marine Cargo Insurance undertakes to indemnify the Insured against financial losses incidental to voyages and losses that occur during transit of goods either by sea or air. There are three main sets of cargo clauses ICC A, ICC B and ICC C which provide the insurance coverages. ICC A having the widest scope of cover.



»  INLAND TRANSIT
This policy is issued to cover loss and/or damage to goods whilst in transit by road caused by fire, lightning, overturning and collision. Other extraneous perils such as water damage, loading & unloading and theft can also be covered.


» PERSONAL ACCIDENT INSURANCE
This policy covers the risk of personal accident to the Insured person and can be arranged by individuals or groups. It provides cover against risk of personal injury or death due to unforeseen and sudden casualty cause by violent, external and visible means. Benefits provided include Accidental Death, Permanent Total Disablement, Total Temporary Disablement and Medical Expenses.

» FIDELITY GUARANTEE INSURANCE

This policy covers the employer in respect of any direct financial loss which he may suffer as a result of employees dishonesty.


» PROFESSIONAL INDEMNITY
This policy provides protection to professionals like Medical Practitioners, Architects, Accountants, Financial Consultants, Attorneys and Barristers in respect of their legal liability to pay compensation arising out of losses and/or damages for any breach of their professional duty by reason of any negligent act, error or omission.


» MONEY INSURANCE
This insurance provides compensation to the Insured in the event of money being stolen whilst in transit or kept in safe and/or in the business premises.
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» JEWELLERS BLOCK INSURANCE
This is an all-risks cover for loss of or damage to stocks, goods in trust and money especially designed for those engaged in the jewellery business.

 
» ALL RISKS
This insurance policy covers loss of or damage to the subject matter insured against a wide range of perils arising out of fortuitous or unforeseen event.

 
» WORKMENS COMPENSATION POLICY

This policy covers employees against personal injury sustained by accident or disease resulting out of and in the course of employment by the employer in the business for which he is held liable under Workmen Compensation Act and at Common Law.

 
»  PUBLIC LIABILITY INSURANCE POLICY

Public Liability Insurance Policy protects the Insured against his legal liability to third parties for bodily injury including death, illness or disease and for any loss of or damage to property happening in connection with the Insureds business.
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» PRODUCT LIABILITY

This policy pays for damages and expenses caused by defects in products manufactured, sold, supplied and processed by the Insured. It also covers legal liability for accidental death, bodily injury and/or damage to third party property.

 
» EMPLOYERS LIABILITY

This policy covers the legal liability of the employer towards his employees arising out of injury or disease that the employees may suffer in the course of their employment.

 
» CONTRACTORS ALL RISKS POLICY

This policy is designed to provide cover for all perils normally associated with the construction works. This policy is on an all-risks basis subject to specific exclusions. It can also be extended to cover third party liability risk.

 
» BOILERS INSURANCE

This policy covers damages other than by fire to boilers and pressure plants and damage to surrounding property including third party liability occurring due to explosion and/or collapse of the boiler and/or pressure plant during its normal course of working.
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» ERECTION ALL RISKS
This policy protects the financial investment of the Principal or Contractor or Sub Contractor, in a project and covers the project at various stages including storage, erection, testing and commissioning. It is a comprehensive policy to cover damages to projects arising out of unforeseen circumstances.

 
» ELECTRONIC EQUIPMENT INSURANCE
This insurance covers accidental and unforeseen loss or damage caused to electronic equipment (including system software) by specific peril.

 
» MACHINERY BREAKDOWN

This insurance policy covers unforeseen and sudden physical loss of or damage to any mechanical and electrical machinery and/or equipment by any cause necessitating repairs and/or replacement.


Note The brief descriptions of various insurance coverages we offer are for illustrative purposes only. It is the insurance policy, a legal document, which defines the insurance terms, conditions, exceptions, limitations and exclusions. For more information about our products and services, please contact us.
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