Plain-English guides to every commercial line we broker. For each cover: what it does, in simple terms, and who actually needs it.
When a third party, a client or your own board holds you responsible — liability covers defend your balance sheet.
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.
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.
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.
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.
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.
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.
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.
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.
Project and plant covers for contractors and industry — from foundation stone to commissioning and beyond.
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.
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.
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.
Covers sudden and unforeseen physical damage to machinery from mechanical or electrical breakdown.
Who needs it — Manufacturing plants and process industries.
Covers loss of gross profit when an insured machinery breakdown interrupts production.
Who needs it — Manufacturers where a single machine stoppage can halt output.
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).
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.
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.
Helping co-operative banks, credit societies, NBFCs and MFIs protect their loan book, their borrowers and their own operations.
Get a QuoteLoan-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.
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.
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.
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.
Covers direct financial loss caused by fraud or dishonesty of employees.
Who needs it — Every institution handling public money.
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.
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.
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.
Cover for the assets you own and the income they generate — including MSME-specific fire policies.
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.
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.
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.
Cover for goods on the move — by road, rail, sea or air — and for stock across the supply chain.
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.
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.
Group covers that protect your people — and help you attract and retain them.
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.
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.
Life cover for employees at group rates, often linked to salary multiples.
Who needs it — Employers offering social security benefits to their workforce.