Insurance is a protection against financial loss arising due to unforeseen incidents.

An employer is legally responsible to pay compensation to the employee or his/her heirs in case of death, disability or injury due to accidents or occupational hazards while on duty. An employer may obtain workmen’s compensation insurance to cover such liability. The premiums are payable usually on the basis of wages. It is also known as “Employers' Liability Insurance”.
Legal Liability may arise due to the breach of any of the statutory regulations provided for ensuring safety to workers inside the factory premises, Negligence of co-employees & Injury or Accidental Injury to workers while performing their duties.
The employer is liable to pay compensation for Death, Permanent total disablement, Permanent partial disablement, Temporary disablement whether total or partial.

The policy covers liability arising out of accidents in the course of business operations. The policy covers all locations of operations like offices, sites, manufacturing plants etc. of the insured. Public Liability Insurance covers the legal liability of industrial and non-industrial establishments arising out of such events.
The policy covers businesses against:
Legal liability of the insured towards damages to the third party in respect of accidental death, bodily injury or loss of or damage to property.
Legal costs and expenses incurred by the Insured with prior consent of the Company.

This policy is designed to protect professionals (doctors, medical staff, architects, civil engineers, accountants, lawyers, and other professionals) against legal liability arising as a result of breach of professional duty due to any negligence act or omission committed by the insured or any of the insured employee during performance of their professional duty.

This policy is designed to insure all types of civil engineering projects against a wide range of risks related to a project's execution and maintenance periods if any.
Main Coverage:
• Contract Works: inclusive of all items to be erected and cost of erection, freight and customs duties

• Construction Plant, Machinery and Equipment: total replacement value for all construction plant, machinery and equipment used in the project execution process
• Legal Liability Towards Third Parties: covers property damage and/or body injuries arising from an accident which the contractor could be held legally liable for

This policy is designed to insure all types of erection projects against a wide range of risks related to a project's execution process including cold and hot testing and maintenance periods if any.
Main Coverage:
• Erection Works: inclusive of all items to be erected and cost of erection, freight and customs duties

• Legal Liability Towards Third Parties: Compensates third parties for property damage and body injuries arising from accidents
• Civil Engineering Works

This policy is tailored to indemnify the insured for physical loss or damage to the insured plant and machinery from any cause not specifically excluded in the policy after successful commissioning of the plant and machinery, while the plant and machinery are considered:
• in operation or idle
• being dismantled for the purpose of maintenance or overhauling
• during automatic operation
• during re-assembly

It covers losses due to the breakdown of any machinery in a processing unit like motors, diesel generator sets, air conditioners, transformers sorters, grinders, pumps,etc
The policy offers cover against loss or damage to the plant and machinery due to sudden and unforeseen reasons whilst the machinery is at work or at rest caused by
• Faulty material, design, construction or erection.
• Vibration, mal-adjustment, mal-alignment
• Defective lubrication, loosening of parts, stress, molecular fatigue, heating, centrifugal force, explosion/implosion.
• Electrical faults and failures.
• Failure of connected machinery or protective devices.
• Lack of skill/carelessness of the operators.
• Falling, impact, collision and the like Obstruction or entry of foreign bodies into the machine

It compensates an individual/or his legal representative in case the insured suffers bodily injury or death due to an accident.

This policy indemnifies the insured for sustained material damage and /or financial losses incurred to the property insured arising out of an attempt or act of burglary or theft

This policy covers the loss of money in any of the following situations:
• while in a locked safe
• while in premises during business hours
• while in transit between the office premises and banks or other destinations

This policy is evolved to give coverage against the risk of loss of or damage to fixed Plate Glass by breakage.

This policy covers losses sustained by the insured related to fraudulent embezzlement by the employees who are entrusted with money, stock, etc. or who are authorized signatories.

Motor insurance, often referred to as auto insurance or car insurance, is a type of insurance coverage designed to protect individuals, businesses, and vehicle owners against financial losses and liabilities associated with owning and operating motor vehicles. It is a contract between the policyholder (the vehicle owner) and an insurance company (the insurer) covering the risk of an accident.

Motor insurance typically provides coverage for the following aspects:

• Comprehensive Coverage: This coverage protects against loss or damage to the insured vehicle due to events such as theft, fire, or accident.

Motor Own Damage (MOD / Comprehensive)is a comprehensive motor insurance policy. The policy is a contract between the insured and the insurer to protect him or her from accidents based on the coverages mentioned in the policy under the MOI and IRU rules and regulations.

Motor Third-party cover (TPL) Motor Insurance policy which covers the policyholder's legal liability for injury caused to any third person or damage to any property of a third person in an at-fault accident. Third-party car insurance is the basic Motor Insurance policy and it is mandatory to have a valid third-party motor insurance at all the time while driving on road. This type of car insurance only provides coverage against third-party legal and financial liabilities arising due to accidents on the road.

Property Insurance
Property Insurance compensates for any loss or damage caused as a result of fire, theft, burglary and all damages that occur to the house contents and precious valuables, Property All Risk Insurance has a wider form of protection which covers all risks of physical loss or damage to properties, machinery, stocks, etc. subject to certain exclusions.

The insurance of goods in transit from one place to another by any single mode or combined modes of sea, rail, road, air and inland waterways.