Over 40 policy types across property, liability, marine, engineering and employee benefits — placed with India’s leading insurers and structured around your actual exposure.
Underinsurance is the most common and least visible risk in the commercial market. It produces no symptoms until a claim is made.
Figures reflect patterns observed across our global portfolio. Indicative, not a guarantee.
Workmen’s Compensation liability arises under the Employees Compensation Act. Motor third-party cover is compulsory for vehicles. Other covers are commercially driven or required contractually by lenders, landlords and customers.
Premium depends on sum insured, sector, location, claims history and the specific covers selected. A property policy for a small office and a liability programme for a manufacturer sit at very different levels. We provide indicative pricing after a short scoping conversation.
An agent represents one insurer. A broker represents you and can approach the whole market. IRDAI licenses the two differently, with distinct obligations.
Package policies bundle several covers and suit smaller businesses. As operations grow, separately structured policies usually provide better terms and clearer cover.
At minimum annually at renewal, and additionally whenever the business changes materially — new premises, significant equipment purchase, headcount growth or a new contract with insurance requirements.
The average clause applies. Claims settle in the same proportion as the shortfall, so a business insured at sixty percent of value recovers sixty percent of any claim.