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Group Insurance Policy

Group insurance plan is a type of insurance that covers the insurance needs of a group of people in the same contract. It provides the same level of insurance coverage to all members irrespective of their age, gender, occupation or socio-economic status.

An employer/organisation or association opts for such insurance plan to insure employees or members.

Types of Group Insurance Plans

  • Group Health Insurance/Mediclaim Cover
  • Group Personal Accident Insurance
  • Group Pension/Superannuation Insurance
  • Group Employees Deposit Linked Insurance (EDLI)
  • Workmen/Employee Compensation Insurance
  • Group Travel Insurance
  • Public Liability Insurance
group insurance

Fire Insurance

Fire Insurance is a kind of insurance which covers damages and losses caused by fire. It helps to cover the risk of loss of property caused by fire accidentally or unintentionally. A fire insurance policycovers the loss that the insurer may suffer due to destruction of or damage to property or goods, caused by fire during a specific period and up to an agreed amount.

Any person/institution/firm/organization etc., who may expose to financial loss or damage in case of fire, can opt for fire insurance policy.

Types of Fire Insurance Policy

  • Valued Policy
  • Specific Policy
  • Average Policy
  • Floating Policy
  • Comprehensive Policy
  • Consequential Loss Policy
  • Replacement Policy
Fire insurance
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Marine Insurance

Marine insurance is a type of insurance policy that provides coverage against any loss or damage of ships, cargo vessels, terminals and any transport by which the property is transferred, acquired or held between the points of origin and the final destination. The protection is offered to the cargo owner along with the cover to the cargo for any loss or damage caused due to delay in the voyage, ship accident or unloading.

All the owners of the ship, who use it for commercial or transportation purposes can opt Marine Insurance Policy.

Types of Marine Insurance Policy

  • Freight Insurance
  • Liability Insurance
  • Hull Insurance
  • Marine Cargo Insurance
Marine insurance
Project insurance

Project Insurance

Project insurance or the contractor’s all risk policy offers an adequate and comprehensive coverage against any kind of loss or damage caused to the contract-based workers as well as equipment and construction plant. It also provides coverage for third party claims in respect of bodily injury or property damage.

The policy is beneficial for the architects, engineers and financiers as it reduces the overall expenses of construction along with the protection of involved parties.

Professional Indemnity Insurance

The Professional Indemnity Policy is a type of business insurance meant for organizations and individuals provides consultation or any professional services to its clients. It covers claims made by the businesses in case their clients have sued them for making them endure any significant financial loss as a result of errors and omissions committed by them whilst rendering professional services or due to their advices.

This policy is meant for following professionals: Doctors and medical practitioners.

Professional Indemnity Insurance
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Liability Coverage

Liability Coverage

Liability insurance policies cover the insured against any claims due to causing bodily injuries and damages to the property of unknown people. Besides covering the legal costs involved, liability insurance provides coverage for payouts which the insured is legally liable to pay. The claims filed for intentional damages, criminal prosecution and contractual liabilities are generally not covered under this policy.

Types of Liability Insurance

  • Public Liability Cover
  • Professional Indemnity
  • Employer Liability
  • Product Liability
  • Third Party Liability

Workman-Compensation

A workmen compensation policy is a commercial insurance policy that covers the statutory liability of an employer to provide compensation to its employees in case of their death, disability and bodily injuries, arising out of and during the course of their employment.

It enables the employer to pay the compensation payable under the Workmen Compensation Act of India.

Workman Compensation
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Keyman Insurance

Keyman Insurance

Keyman insurance is defined as an insurance policy where the proposer as well as the premium payer is the employer, the life to be insured is that of the employee and the benefit, in case of a claim, goes to the employer.

The “Keyman” would be any person employed by a company having a special skill set or substantial responsibilities and who contributes significantly to the profits of that organization. On the death of such employee, the sum assured will be paid to the company.

Credit Risk Insurance

Credit Insurance is a type of insurance policy that is used to pay off existing debts in cases such as death, disability and in some cases, unemployment. Credit insurance protects the policyholder from the lender from the borrower's inability to repay the loan or debt due to various reasons. The insurance policy will pay the lender on behalf of the policy holder.

Types of Credit Insurance

  • Credit Life Insurance
  • Credit Disability Insurance
  • Credit Involuntary Unemployment Insurance
  • Credit Property Insurance
Credit Risk Insurance
property Insurance

Property insurance

Property insurance is a term meaning the insurance or coverage of anything whose loss will cause untold damage to the policyholder. It may be jewellery in a house, damage to equipment for a business owner, loss of cargo during transit for an importer or exporter, risk of loss of goods for a shopkeeper and so on.

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