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  • Marine Transit

    Marine insurance is an insurance to cover the transportation risk of Goods like Raw Material, Finished goods, Plant & Machineries & etc. via Road, Rail, Ship, Air & etc..

    It covers import, Export & Inland transit of goods as per the terms and conditions of ITC (A, B, C) & ICC (A, B, C) add on cover: War & SRCC, Customs Duty etc..

    Now a day Marine STOP policy trending covers based on the Sales Turn Over of the organisation.

    Types of Marine Insurance 1. STOP – Sales Turn Over Policy 2. Import - Transit from Anywhere in World to Anywhere in India. 3. Export - Transit from Anywhere in India to Anywhere in World 4. Inland - Transit from Anywhere in India to Anywhere in India

    Coverage and Exclusions mentioned above are only indicative

    For More Details, Please contact us.

  • Group Health Insurance

    Group Health Insurance is an insurance which will be tailor made of the benefits of the group based on the requirements.

    Normally group health insurance has taken by the organisation for their employees and their dependents to meet the hospitalisation expenses.

    This will help the organisation to retain their talents.

    For More Details, Please contact us.

  • Workmen’s Compensation

    Take care of employer’s liability due to work-related fatalities, disability and injuries and medical expenses.

    Despite all preventive measures, accidents can occur at the workplace. The “Workmen Compensation Act, 1923” which is newly amended as “Employee Compensation Act 2010” provides for the payment of compensation by the employer to its employees to cover the statutory liability of an employer for the death, disability and bodily injuries of his employees caused by accidents arising out of and during the course of their employment. It enables the employer to pay the compensation payable.

    Under the Workmen Compensation Act of India, which is monitored by the Ministry of Labour & Employment.

    Any employer, as a principal or contractor, can take this policy to cover the liability towards employees/dependents under the statute and common law.

    For More Details, Please contact us.

  • Fire Insurance

    Standard Fire and Special Perils Insurance is a traditional cover that offers cover against fire and allied perils (8 Perils) which are named in the policyand location Specific.

    Previously it was 12 perils include STFI, now it is Add on Cover.

    The policy can cover building, plant and machinery, stocks, Raw Material, furniture, fixtures and fittings Electrical fittings, Office equipment like Computer, A/C, Printers etc..

    Add on Covers: STFI, Earthquake, Impact damage due to Insured’s Own Vehicle, Start Up Expenses, Alternate Accommodation, Deterioration of Stocks in Cold Storage etc….

    Type of Fire Policies: Standard Fire and Special Perils Policy & IAR (Industrial All Risk), Bharat SookshmaUdayamSuraksha (Sum Insured Up to 5.00 crore), Bharat LaghuUdayamSuraksha (Sum Insured above 5.00 Crore to 50.00 Crore) Sum Insured over and above 50.00 crore covered under SFSP & IAR

    For Stocks - Declaration, Floater & Floater Declaration Policies available.

    Excess: The Excess shall apply per event as per tariff.

    Major Exclusions: • Loss, destruction, or damage caused by war, and kind perils • Loss, destruction, or damage directly or indirectly caused to theinsured property by nuclear peril • Loss, destruction, or damage caused to the insured property bypollution or contamination

    Coverage and Exclusions mentioned above are only indicative.

    For More Details, Please contact us.

  • Professional Indemnity CA

    These insurance will protect CA’s from claims made against them by any third parties for financial compensation. The claims may arise from a breach of professional duty.

    Even if you have performed your duties efficiently, a lawsuit could take a chaos in your profession. Legal expenses could add up quickly and hinder your services financially. Not to mention, on-going court case can disrupt your work and also the revenue model. You can protect yourself by purchasing professional indemnity insurance (CA).

    For More Details, Please contact us.

  • Professional Indemnity Doctors

    Professional indemnity policy provides indemnity against claims arising out of bodily injury / death or legal suits of any patient caused by or alleged to have been caused by error, omission or negligence in professional service for Doctors and Medical Practitioners

    There are cases where you may not be at fault and still the clients blame you for negligence on your part, professional indemnity insurance will still protect you from the heavy legal charges. If you purchase professional indemnity insurance, it willprotect you from such severe actions by covering claim made against you.

    For More Details, Please contact us.

Frequently Asked Questions

  • Utmost Good Faith
  • Principle of Indemnity
  • Insurable Interest
  • Proximate cause
  • Contribution
  • Subrogation

Proximate cause is an important principle of insurance which means the actual efficient cause that sets in motion a train of events which brings about result, without the intervention of any force started and worked actively from a new and independent source.

The Minimum sum insured for Stock declaration policy is Rs.1 Crore.

Floater policy is a policy which covers loss by fire caused to property belonging to the same person but located at different places under a single sum and for one premium.

Generally, there are two methods. One is Market Value (MV) and the other is Reinstatement Value (RIV). In the case of M.V, in the event of a loss, depreciation is applied on the asset depending on its age. Under this method, the insured is not paid amount sufficient to buy the replacement.
In the RIV method, the Insurance Co. will pay the cost of replacement subject to ceiling of S.I. Under this method, no depreciation is applied . One condition is that the damaged asset should be repaired / replaced in order to get the claim. It may be noted that RIV method is allowed only for FIXED ASSETS and not for other assets like stocks and stocks in process.

A manufacturing risk is deemed to be silent when it is not used for manufacturing and storage purposes.

The average clause only applies when the sum insured is less than the actual value of the goods or the property.

The term depreciation refers to the reduction in the value of the machinery due to usage, wear and tear, rust etc..

When a loss is suffered by the insured, the remains of the property after the damage and destruction is called salvage.

Risk inspections are essentially a meeting between, you, your broker, and a professionally trained Risk Inspector, who performs a thorough review of your Factory to identify hazards that could increase the likelihood of a loss or claim

  • Educate in loss prevention
  • Identify hazards
  • Reduce or eliminate the probability of a loss occurrence
  • Verify building valuations

PBL is the maximum value of goods which is agreed to be transported at once PLL is for the accumulation of goods at one place during the course of transit.

  • Indemnity
  • Insurable Interest:
  • Proximate Cause
  • Subrogation
  • Contribution

International commercial terms—Incoterms for short— clarify the rules and terms buyers and sellers use in international and domestic trade contracts.

  • CIF-Cost, Insurance & Freight
  • FOB Free On Board
  • EXW (Ex Works)

Ex works (EXW) is a shipping arrangement in which a seller makes a product available at a specific location, but the buyer has to pay the transport costs.

Transfer of all the rights, and remedies, from insured to insurer is called subrogation

  • Warranted excluding the risks of loss or damage due to chipping, denting , scratching unless caused by ITC (B) perils
  • Warranted that goods are transported in closed wagons and/or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water
  • Warranted that losses due to adulteration, contamination and deteriotation of quality is excluded

All transits upto the sum insured are covered without any exception and total value of goods in transit are required to be declared atleast once in a quarter in the form of a certified statement. Period of insurance for this policy is one year.

  • Actual Total Loss
  • Constructive Total Loss
  • Particular Average Loss
  • General Average Loss

  • No physical health checkup.
  • Customized health care.
  • Boosts employee morale.
  • Affordable than buying an individual health insurance policy.

Pre-existing disease is covered under the Group Health Insurance.. The term ‘Pre-existing Disease’ means any condition, ailment or injury or illness or related condition (s) for which the insured had developed signs or symptoms, and/or were diagnosed and/or received medical advice/treatment.

Abortion is covered, subject to prescription from doctor & under a critical condition during pregnancy. Voluntary abortion is not covered under the policy.

Internal congenital is covered under the policy. External congenital is covered only in life threatening situation subject to minimum of 24 hours of hospitalization.

On admission to the hospital the insured can avail the cashless facility, where the cost of treatment is paid by the insurance company directly to the network hospital.
The treatment undergone is in accordance with the policy terms and conditions.
We have tie up of network hospitals across the country where cashless facility can be availed. Refer list of network hospitals on the website.

There is no limit on number of claim admissibility.The employee can claim up to his /her sum insured

Day care treatment refers to medical treatment, and/or Surgical Operation which is:

  • Undertaken under General or Local Anesthesia in a Hospital/Day Care Centre in less than 24 hours because of technological advancement, and
  • Which would have otherwise required a hospitalization of more than 24 hours.
  • Treatment normally taken on an out-patient basis is not included in the scope of this definition.

Pre Hospitalization-Medical Expenses incurred immediately before the Insured Person is Hospitalized. Post Hospitalization- Medical Expenses incurred immediately after the Insured Person is discharged from the Hospital.

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Marine Insurance
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Group Health Insurance
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Coverage & details of employees
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  • Pre Existing
    disease cover
  • First 30 days
    waiting period
  • Day care
    Treatment
  • Terrorism
    hospitalization
  • 1st/2nd/3rd/4th
    Year Exclusion
Pre hospitalisation expenses
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Post hospitalisation expenses
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Domiciliary hospitalisation
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Sub limit for various ailments/treatments
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Internal congenital disease
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External congenital disease
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Lasik surgery
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Emergency ambulance charges
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Co-payment
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Corporate buffer
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  • Pre Existing
    disease cover
  • First 30 days
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  • Day care
    Treatment
  • Terrorism
    hospitalization
  • 1st/2nd/3rd/4th
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Maternity Cover
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Pre hospitalisation expenses
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Post hospitalisation expenses
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Domiciliary hospitalisation
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Sub limit for various ailments / treatments
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Internal congenital disease
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External congenital disease
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Lasik surgery
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Emergency ambulance charges
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Co-payment
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Corporate buffer
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  • Addition-deletion
    On Pro-Rata Basis
  • Claim intimation clause
    Within 7 days of Hospitalization
  • Claim submission clause
    Within 30 days of Discharge For Post Hospitalization
  • Mid term increase in sum insured
    Allowed in case of promotion only
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Previous Policy Copy
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Previous Active Member Data
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Previous Claim Summary
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Previous Claim Dump
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Professional Liability (Doctors)
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