Property of any kind whether manufacturing units,warehouses, shops, schools, hotels, hospitals, offices, residential, storage units, trading and services or c9ommercial complexes could be exposed to loss or damage due to Fire & Allied Perils Insurance and Fire Consequential Loss. In addition, we offer package policies against risks of burglary, money, employee Infidelity, all Risk Insurance (for portable equipment), machinery breakdown Insurance (for plant & machinery), electronic equipment insurance, plate glass, travel baggage covers etc..

Perils insured are fire, lightning, explosion / implosion, impact damage, aircraft impact, bursting / overflowing of water tanks / pipes / apparatus, sprinkler leakage, storm, cyclone, typhoon, hurricane, tempest, tornado, flood, inundation, subsidence, landslide including landslide, riots, strikes, malicious damage, missile testing operations. Other perils which can be insured as add-on covers are earthquake, terrorism, removal of debris, spontaneous combustion etc.

This policy covers loss of profits of a business due to reduction in turnover caused by a loss or damage covered under Standard Fire Insurance. This also includes cover for Increased Cost of Working following the loss of standing charges.

To the insured’s premises or contents caused by actual or attempted burglary/robbery (excluding valuables unless specifically insured).

Loss of money in transit to the specified destinations against robbery, theft or any other unfortunate event. Transit for the purpose of this policy commences with the taking over of the money for the purpose of transit and ends as soon as the money reaches the place of delivery.

Loss of money that is kept in safe which have to be paid as salaries towards employees or petty cash kept in safe.

Any direct pecuniary loss caused by the act of fraud or dishonesty committed by any salaried person employed by the insured during the course of the business provided: Such loss is committed by the employee with the primary intention to obtain personal financial gain and such loss is first discovered during the policy period

This section covers breakdown of any business appliances such as photocopying machine, deep freezers, money counting achines, AC’s, chillers, DG sets, lifts/elevators, sewage treatment plan, water treatment plan, etc. solely as a result of electrical or mechanical breakdown.

This is an all risk cover and losses or damages due to any cause other than those specifically excluded are covered. Damage to media data and cost of reproduction of lost data can also be covered. Items insured under this section need not to be insured under Fire & Burglary sections.

Covers any losses or damage due to accidents, fire and allied perils, riots and strikes to the neon / glow signs.

Insures the risk of accidental damage to portable equipments such as laptops and other electronic equipments, test & measuring instruments, etc. Also covers these equipments at any location and including whilst in transit in the personal custody of the employees of the business.

Fixed plate glass in the interior of the business premises is expensive and is prone to accidental and/or malicious breakage. Plate glass insurance covers the risk of accidental damage to plate glass installed in the business premises. It covers repair/replacement of such glass and reasonable costs.

A terrorist attack can occur anytime, anywhere, with devastating consequences impacting not only those directly targeted but also those operating within the surrounding community. With the right protection, these damages an be limited and the security of having an insurance cover is comforting.

Businesses do not need to be specifically targeted to suffer the impact of a terrorist attack.

ISIS continues to threaten India as primary target. Recent terrorist attacks in the United States, Canada, France, Brussels and the United Kingdom illustrate ] the ongoing risk, harm and frequency of global terrorism.

• Covers worldwide property damage – Commercial and Residential resulting from terrorism and sabotage, including the risk of business interruption;
• The coverage also includes debris removal costs.
• Covers ingress/egress and service i
• This coverage is provided either on full value or first loss basis as requested by the client
• Material Damage – On all real & personal property of the insured or in insured’s care or custody or control or held by Insured in trust or commission for which they are responsible whilst situated at the specified locations including but not limited to building, contents, equipment, machinery, furniture, fixtures, fittings, plinth & foundation, road, leasehold improvements, stock, office c
• Gross Profit / Rental / Revenue insured.
• Loss due to denial of access by civil or military order.
• Contingent business interruption.
• Looting following an insured event.
• Loss of valuable papers and records.
• Increased cost of construction.
• Professional fees.

Householder policy provides cover both to building and its contents to ensure complete security & protection against accidental damages or natural calamities or manmade dangers.

Protects home structure as well as contents against fires, earthquakes, floods, lightning, thunderstorms, storms, inundation, cyclones, etc. It also protects against man-made threats like terrorism, riots and strikes.

Covers Loss or damage to your household contents in the event of Burglary / Theft or Attempted Burglary / Theft. Coverage option is available on 1st loss basis.

Covers additional rent in case the house is severely damaged and rendered uninhabitable under Fire and allied perils.

Protects your guests or any third party against any damage caused to them or their property in the insured’s home.

This cover protects Accidental loss/damage/theft anywhere in India of accompanied personal baggage whilst on travel outside municipal limits of city.

This is a Comprehensive cover against loss/ damage to your Audio/AV appliances at home due to fire and allied perils, Burglary/theft, Accidental external means, Mechanical and electrical breakdown, legal liability.

This cover protects against Mechanical &/or Electrical Breakdown to other domestic appliances at your home.

This is a Family cover for compensation in case of death or disablement of the insured person due to accidental bodily injury anywhere in world.

• Due to low/high wind speed in windmill
• Lack of solar irradiation affecting electricity generated of a solar power plant.

This protection supports the performance of the project at the system level to help sustain its intended revenue stream once that project becomes operational .

This policy is designed to cover anything from utility-scale solar farms and green fields across India, to portfolios of rooftop installations for commercial and residential builds.

• Covers risks that are not related to physical damage, such as the sun not shining, insufficient wind speed and the impact that would have on the performance of the project.
• Amount by which the actual energy yield for the applicable energy shortfall policy year is less than the insured energy yield projection for that same period times the agreed rate.
• Protects against a system being installed in a way that was not intended in the design phase and the impact that has on the revenue models.
• Covers errors in the calculations of the projected yields that were created for projects before they become operational.
• If the insured energy installation is solar, actual solar radiation that is less than assumed in the target production calculation.

The insurance payout is triggered if the actual Index is below the declared expected Index. If the insured event triggers, the indemnity is paid as a function of the solar irradiation/ wind speed.