Cover designed around your exposures
Plain-English guides to every commercial line we broker. For each cover: what it does, in simple terms, and who actually needs it.
Liability
When a third party, a client or your own board holds you responsible — liability covers defend your balance sheet.
Commercial General Liability (CGL)
Covers your legal liability if your business operations cause bodily injury or property damage to a third party, including legal defence costs.
Who needs it — Any business whose premises, sites or operations interact with customers or the public.
Public Liability (Industrial / Non-Industrial)
Covers accidental injury or property damage suffered by visitors or the public because of your premises or operations.
Who needs it — Factories, warehouses, offices and establishments that receive visitors or operate near the public.
Product Liability
Covers claims when a product you manufacture or supply causes injury or damage after it has left your control.
Who needs it — Manufacturers, exporters and suppliers of physical products.
Directors & Officers (D&O)
Protects directors and officers against personal liability for decisions taken in their managerial capacity, including defence costs.
Who needs it — Companies with a board — especially those with investors, lenders or regulatory oversight.
Professional Indemnity / Errors & Omissions
Covers claims arising from professional advice, design or services that cause a financial loss to your client.
Who needs it — Consultants, architects, engineers, IT and other professional service firms.
Employees' Compensation
Covers your statutory liability under the Employees' Compensation Act for work-related injury, occupational disease or death of employees.
Who needs it — Every employer — particularly those with site, contract or casual labour.
Cyber Liability
Covers losses from data breaches, cyber attacks and business email compromise, including incident response costs and third-party claims.
Who needs it — Any business that holds customer data or depends on IT systems to operate.
Commercial Crime
Covers loss of money, securities or property due to employee dishonesty, forgery, fraud and theft.
Who needs it — Businesses handling cash, inventory or client funds.
Engineering
Project and plant covers for contractors and industry — from foundation stone to commissioning and beyond.
Contractors All Risk (CAR)
All-risk cover for civil construction projects — buildings, roads, bridges — against accidental damage during construction, with third-party liability included.
Who needs it — EPC and civil contractors, and project owners.
Erection All Risk (EAR)
Covers erection and installation of plant, machinery and equipment against accidental damage, including testing and commissioning.
Who needs it — Contractors installing plant & machinery, and project owners.
Contractors Plant & Machinery (CPM)
Annual cover for contractors' plant and equipment — cranes, excavators, batching plants — against accidental damage on site or at rest.
Who needs it — Contractors owning or hiring heavy equipment.
Machinery Breakdown
Covers sudden and unforeseen physical damage to machinery from mechanical or electrical breakdown.
Who needs it — Manufacturing plants and process industries.
Machinery Loss of Profit (MLOP)
Covers loss of gross profit when an insured machinery breakdown interrupts production.
Who needs it — Manufacturers where a single machine stoppage can halt output.
Boiler & Pressure Plant
Covers explosion and collapse risks of boilers and pressure vessels, including damage to surrounding property and third-party liability.
Who needs it — Industries using boilers or pressure vessels (statutory inspection applies).
Electronic Equipment Insurance (EEI)
All-risk cover for computers, servers, medical and electronic equipment against breakdown, fire and accidental damage.
Who needs it — Offices, hospitals, data centres and manufacturers.
Advance Loss of Profit / Delay in Start-Up (ALOP / DSU)
Covers loss of anticipated profit when a project's completion is delayed by insured physical damage.
Who needs it — Project owners and lenders on large construction or erection projects.
Banks & Financial Institutions
Helping co-operative banks, credit societies, NBFCs and MFIs protect their loan book, their borrowers and their own operations.
Get a QuoteCredit-Linked Insurance for Borrowers
Loan-protection covers that repay the outstanding loan if a borrower dies or is disabled — protecting both the borrower's family and your loan book.
Who needs it — Co-operative banks, credit societies (patsansthas), NBFCs and MFIs.
Insurance of Hypothecated Stock & Assets
Covers stock, machinery and vehicles hypothecated to you against fire, burglary and allied perils, with your interest as lender noted on the policy.
Who needs it — Institutions financing working capital or assets.
Property Insurance for Mortgaged Assets
Fire and special perils cover for buildings and property held as mortgage security.
Who needs it — Banks, societies and housing finance lenders with secured portfolios.
Money Insurance
Covers loss of cash in safe and cash in transit between branches, collection points and currency chests.
Who needs it — Any institution that holds or moves cash.
Fidelity Guarantee
Covers direct financial loss caused by fraud or dishonesty of employees.
Who needs it — Every institution handling public money.
Banker's Indemnity
A composite policy for banking operations — money, premises, forgery, employee dishonesty and related risks under one cover.
Who needs it — Co-operative banks and credit societies.
Cyber & Electronic Crime
Covers losses from hacking, funds-transfer fraud, data breach and electronic crime, including incident response costs.
Who needs it — Institutions running on core banking or digital platforms.
D&O for Boards of Co-operative Banks & Societies
Protects directors and officers against claims arising from board decisions, including regulatory actions and defence costs.
Who needs it — Elected boards and professional managers of co-operative institutions.
Property & Business Interruption
Cover for the assets you own and the income they generate — including MSME-specific fire policies.
Fire & Special Perils (Bharat Sookshma Udyam Suraksha / Bharat Laghu Udyam Suraksha / Standard Fire)
Covers buildings, plant, machinery and stock against fire, explosion, natural catastrophes and allied perils. The Bharat Sookshma and Laghu Udyam variants are designed specifically for MSMEs.
Who needs it — Every business that owns or occupies premises.
Business Interruption
Covers loss of gross profit and continuing expenses when insured damage — such as a fire — shuts down or reduces your operations.
Who needs it — Businesses that cannot quickly relocate or restart operations.
Burglary
Covers stock and assets against theft following forcible entry, and damage caused during an attempt.
Who needs it — Warehouses, factories and offices holding stock or valuables.
Marine
Cover for goods on the move — by road, rail, sea or air — and for stock across the supply chain.
Marine Cargo (Single Transit & Open Cover)
Covers goods in transit against accident, theft and handling damage. Single-transit policies suit one-off movements; open covers suit regular despatches.
Who needs it — Manufacturers, traders and contractors moving materials or finished goods.
Stock Throughput
Seamless cover for stock from supplier to final delivery — in transit and in storage — under a single policy.
Who needs it — Businesses with continuous supply chains and multiple storage points.
Employee Benefits
Group covers that protect your people — and help you attract and retain them.
Group Mediclaim
Hospitalisation cover for employees — and optionally their families — with cashless treatment across network hospitals.
Who needs it — Any employer wanting to offer health security to staff.
Group Personal Accident
Lump-sum compensation for accidental death or disability of employees, with optional weekly benefit.
Who needs it — Employers with field, site or travel-heavy teams.
Group Term Life
Life cover for employees at group rates, often linked to salary multiples.
Who needs it — Employers offering social security benefits to their workforce.
Film & Entertainment
Package covers for film, TV, ad and event productions — from cast and cameras to shoot cancellation.
Cast Insurance
Covers the extra cost of re-shooting or completing production if a named artist or key person cannot perform due to accident, illness or death.
Who needs it — Producers of star-led, big-budget productions.
Production Equipment
Cameras, lenses, sound and lighting equipment and generators covered against accidental damage, fire and theft — on set and in transit.
Who needs it — Production houses and equipment rental companies.
Props, Sets & Wardrobe
Covers damage to or loss of sets, props and costumes during the shoot.
Who needs it — Film, TV, ad-film and web-series productions.
Extra Expenses
Pays the additional cost of completing the production after insured damage — relocating the shoot, re-shooting, hiring replacements.
Who needs it — Producers working to fixed release schedules.
Shoot & Event Cancellation
Covers cancellation, postponement or abandonment of a shoot or event due to unseasonal rain, national mourning, strikes or curfew, terrorism and similar perils.
Who needs it — Producers and event organisers.
Public Liability
Covers third-party injury or property damage arising from shoot locations or events.
Who needs it — Productions shooting in public or leased locations.
Group Personal Accident
Accidental death and disability cover for the entire cast and crew.
Who needs it — Production houses insuring their full crew.
Money Insurance
Covers cash kept on set and carried between locations for production expenses.
Who needs it — Productions with cash-heavy outdoor schedules.
Special Endorsements (Stunts, Kidnapping, Production Abandonment, Post-Production, Political Strikes, Unseasonal Rain)
Optional add-ons that extend the package for action sequences, artist kidnapping, abandoning a production midway, post-production risks, bandhs/curfews and rain-affected outdoor schedules.
Who needs it — Action-heavy or multi-location outdoor productions.