OUR PRODUCTS
Fire And Special Perils
Fire & Special Perils Insurance
This policy covers loss, damage or expenses arising from
Fire, Explosion, Lightning and other extraneous perils like
damage by aircraft or article dropped there from, Burst
pipes, Impact, Earthquake, Windstorm, Cyclone, Tornado,
Flood, Riot & Strike, Bush Fire and Malicious damage, etc.
Consequential Loss Insurance
This policy provides cover against consequential or indirect
losses such decreased sales, which arise from damage to
an insured property. Consequential loss policies help to
mitigate indirect risks arising from mishaps and are
generally sold in conjunction with regular policies that
insure properties against fire, theft, and other forms of
damage or destruction.
Industrial / Assets All Risks Insurance
This is usually a package policy having different sections as
may be required by the insured. Each section is however
rated individually and all premiums summed up to arrive at
a single premium for the policy.
Householder Insurance
The policy covers all the perils of Fire and Burglary as
indicated and also covers the following properties/perils:-
1) Surrounding Facilities
2) Cost of renting alternative accommodation
during repair of damage to buildings.
3) Fire Brigade Service charges.
4) Removal of Debris.
5) Architects, Surveyors and Consulting Engineers fees.
6) All Risks Cover on items of high
values.(Jewelries, ornaments, precious stones and works of art to
be rated separately)
7) Contents temporarily removed for repairs.
8) Personal Liability to Third Parties.
9) Public Liability for Damage to Third Party and Public Properties.
10) Additional Living Expenses in event of damage to buildings.
11) Compensation for Death of the Insured and his family members.
12) Personal Accident Cover for Domestic Servants.
13) Breakage of Mirror and Glass.
14) Cover for Household Staff Goods.
House Owners Insurance
This product is specifically designed to protect household goods
of various descriptions of those residing in a building not owned
by them against the following perils:
i. Fire and all the Allied Perils stated under Fire Policy;
ii. Theft or attempt thereof or as stated under Burglary Policy
iii. All Risks cover for specific items like cameras, binoculars, wrist watches, gold and trinkets and eye glasses
iv. Personal Liability Cover for 3rd party injury or property damage following attack by pets or injury for defective structures.
v. Public Liability Cover for loss or damage to properties held by the public at large.
Public Building Insurance
This policy covers the legal liabilities of an owner or
occupier of premises in respect of loss of or damage to
property or bodily injury or death suffered by any user of the
premises and third parties against the hazards of collapse,
fire, earthquake, storm and flood.
Deterioration of Stock (DOS)
This type of insurance covers damage to goods stored in
specified cold storage spaces, which occurs as a result of a
change in temperature caused by a breakdown of the
refrigeration equipment or accidental damage to it.