All Risks: - Jewellery

Covers the insured’s personal items of jewellery, for loss from all perils, except those specifically excluded.

All Risks (Equipment)

Covers loss or damage to insured’s construction plant, machinery and equipment against fire, natural perils, theft and accidental loss or damage.


Provides cover against loss or damage by burglary or house breaking (i.e. theft following an actual, forcible and violent entry of and/ or exit from the premises) in respect of contents of offices, warehouses, shops, etc. and also damage caused to the premises, during such forcible entry or exit.

Consequential loss/loss of profits/ Business Interruption

The policy makes good the following trading losses which can result from total/ partial stoppage of business due to operation of an insured peril named under the Fire & Special Perils policy: - Net profit, Standing Charges, Increased Cost of Working.

Contractor’s All Risks

Any sudden and unforeseen loss or damage occurring during the period of insurance to the property insured on the building site will be indemnified. It also extends to cover Third Party liability that may arise out of the work being done.

Employer’s Liability/ Workmen’s Compensation

Covers employer’s legal liability to provide for the payment of compensation to employees (or their dependents in the event of fatal accidents) if personal injury is caused to them by accidents arising out of and in the course of their employment.

Fidelity Guarantee

Protects the insured from the Dishonesty of his employees who deal in cash and/or stock.

Fire and Special Perils

Covers all properties on land (excluding cost of land), moveable or immovable, against named perils such as Fire, Lightning, aircraft damage, Riot, Strike, Malicious damage, earthquake, Hurricane, Windstorm, Flood, vehicular impact, bursting of pipes, smoke and bush Fires.

Goods In Transit

Covers the insured’s goods against loss while being transported on land, by rail or inland waterway.

HomeOwners: - Buildings & Contents

Is a comprehensive combination of all material damage policies, designed to protect the insured in his Private Dwelling place, whether it be house, condominium or apartment. The policy also extends to include Third Party Liability cover.

Marine Cargo

Covers the insured’s cargo while being shipped, by sea or air, for loss or damage.

Money Insurance

Provides cover against loss of money in transit, occasioned by robbery, theft or any other fortuitous cause. It also covers loss by burglary or house breaking whilst money is retained at the insured’s premises in safe(s) or strong room. Optional cover- hold up, assault and personal accident.

Motor Insurance

1. Comprehensive policy covers (a) loss or damage to the vehicle insured as a result of fire, theft, robbery and any accidental loss or damage including collision. (b) Third party liability for bodily injury and/or death and property damage.
2. Liability only policy covers (b) above only.

Personal Accident

Compensates the insured for injury suffered as a result of an accident, not necessarily a motor accident.

Plate Glass

Covers the insured’s plate glass shop front and showcases against damage.

Public/Products Liability

Covers the insured’s legal liability as owner or occupier of any premises. It can also cover the insured for his legal liability for goods sold orservices rendered.

Travel Accident

Covers the insured during a trip overseas for personal injury, and includes cover for loss of personal effects.

Comprehensive Home Insurance Plan

This is a package policy specially designed to meet the various insurance requirements of a householder. It provides cover for building, contents, employer’s liability, personal liability, all risks for valuables etc.

Plate Glass

Covers accidental breakages of the plate glass fixed to display windows or show cases of commercial establishments.

All Risks (Valuables)

Covers loss or damage to gold, silver ornaments, jewellery/ cameras and other valuables due to fire, theft or from any other fortuitous cause.

Electronic Equipment Policy

This is especially designed all risk policy which covers accidental loss or damage, theft etc. to electronic equipment like computers, laptops, medical equipment etc.

Machinery Breakdown

Is an ideal cover for installed plant and machinery to cover cost of repairs or replacement of damaged parts as a result of accidental, electrical and mechanical breakdowns.

Goods in Transit/ Marine Cargo

Covers loss or damage to goods in transit within the country of involving imports/ exports by rail, sea, road, air or post.

Fidelity Guarantee

Covers the employer in respects of any direct financial loss which he may suffer as a result of employees’ dishonesty.

Personal Accident

Offers compensation in case of death or bodily injury to the insured person, directly and solely as a result of an accident by external, visible and violent means. The policy operates worldwide and gives 24 hours cover.

Public Liability

Covers the amount which the insured becomes legally liable to pay as damages to third parties as a result of accidental death, bodily injury, loss or damage to the property belonging to a third party.

Product Liability

Provides protection against financial loss arising out of the legal liability incurred because of injury or damage resulting from the use of a covered product.

Professional Indemnity

Is meant for professionals like Doctors, medical practitioners, engineers, architects, Attorneys etc. to cover their liability as a result of errors and omissions committed by them whilst rendering professional service.

Travel Insurance

Covers medical expenses incurred by the insured persons outside Home Country whilst traveling as a direct result of bodily injuries caused or sickness or diseases contracted. Additional covers available are personal accident, loss of checked baggage, delay of checked in baggage, loss of passport etc.

Marine Cum Erection/Storage Cum Erection

This is a comprehensive policy covering all physical risks which a project is exposed to right from the warehouse of the supplier of equipments to its erection, testing and commissioning at the site.

In case the supplier has arranged transit insurance upto the site, a Storage cum erection policy can be issued limiting coverage to risks that the project is exposed to at the site only.

Contractors Plant and Machinery

The policy covers sudden, accidental, external damage to the insured machinery due to any cause other than those specifically excluded in the policy.

Directors and Office Liability

This policy provides cover against loss arising from claims made against them by reason of any wrongful act in their official capacity. Also provide covers for legal cost and expense incurred.

Neon Sign

This policy provides for loss or damage to the Neon Sign installation by accidental, external means, fire, lightning, external explosions and theft.