GENERAL INSURANCE

Auto insurance protects you from damage to the often considerable investment in a car and/or from liability for damage or injury caused by you or someone driving your vehicle. ... Collision, fire, and theft coverage are also advisable for a vehicle having more than minimal value.

This policy covers all types of vehicles viz., two-wheelers, three-wheelers, Four wheelers and commercial vehicles against third party Liability, as well as Damage to Vehicles depending upon the needs of the customers and type of policy purchased. Third-Party (Liability) insurance is compulsory.

•  It covers lawsuits, including legal fees brought against you as the result of an accident.
• Covers the bills of vehicle repairs due to damage caused in an accident.
• Covers damage caused by other than an accident, for example, theft, fire, etc.

Any Vehicle Owner whose vehicle is registered in his/her name with the Regional Transport Authority in India 

1. Liability only policy. This covers third-party liability for bodily injury liability and or death and property damage. Personal Accident cover for Owner-driver is also included.
2. Package policy. This covers loss or damage o the vehicle insured (OD) in addition to (1)above.

1. Private Cars
2. Two-wheelers
3. Goods carrying vehicles (Public and Private)
4. Trailer
5. Motor Trade (Road transit risks)
6. Passengers carrying vehicles.
7. Special vehicles (Institutions Buses/ labs, )
8. Construction Vehicles(JCB, BULLDOZER,CRANES,FRONT LOADER)

No-claim Bonus (NCB) can be earned only on OWN DAMAGE PORTION  of all class of vehicles except Motor Trade policies. An insured becomes entitled to NCB only at the renewal of the policy after the expiry of the full duration of the 12 months subject to no claim reported.  

Zero depreciation cover or 'zero dep' policy, offers complete coverage for your car against damages caused due to an accident without factoring in depreciation. It means if your car gets damaged following a collision, no depreciation is deducted from the coverage of any body parts of car excluding tyres and batteries. 

 BENEFITS

• Helps curb out-of-pocket expenses since depreciation cost is not taken into account while filing for a claim settlement
  
• Most of your claims regarding the insured parts are settled without taking the depreciation amount into consideration.
  
• It adds more value to the basic automobile insurance coverage and makes your investment almost nil

With this cover, you can be assured of a complete peace of mind. Also, with all major insurers offering this cover, you can save yourself a lot of hassle by purchasing a nil-depreciation cover by paying a little extra premium. 

Fire accidents are unexpected and cause enormous destruction not only in terms of finance, but it becomes difficult to deal with aftermath. Owing a business, one is always prone to risk and a fire eruption can easily bring a flourishing business to a standstill.

• Owners of building and contents(household articles, furniture)
•  Industrial and Manufacturing Firms.
•  Educational/Research Intuitions.
• Hotels, Boarding, and lodgings, hospitals, clinics.
•  Traders in stocks.
•  Trustees, Charitable Institutions.

• Fire Insurance is the ideal protection plan to ensure optimum financial protection in case of a fire outbreak. 
• The policy protects the insured building, assets, furniture and fixtures.

All movable/immovable properties of the proposer on land (excluding in transit)

· Building

· Plant &machinery

· Stocks

· Other contents (furniture, cables, spares tools, household goods)

 In the case of fire insurance, insurable interest should exist at both times, i.e., while taking policy and also at the time of suffering the loss. The following persons have an insurable interest in the fire insurance 

 Marine Cargo Insurance covers Loss or Damage to Cargo while being transported by Rail, Road, Sea, and Air. The duration of cover under All Risk and Transit Risk is from the time the goods leave the warehouse till the time they reach the final warehouse but not exceeding 7 days after the arrival of the railway wagon or lorry at the destination town. 

BUYERS/SELLERS IMPORT/EXPORT MERCHANT/BANKS, Anyone engaged in the movement of goods.

ALL RISK- Risks of physical loss or damage.

TRANSIT RISK- A basic cover of physical loss or damage of cargo (fire, lightning, breakage of bridges and accident).

BASIC RISK- Physical or damage to the cargo by fire and lightning.

PREMIUM RATES- Depends upon the factors like nature of cargo, type of packing, Mode of transport, distance, type of cover required and claims experience,  etc, the profitability of the portfolio of the client also plays a vital role in determining the rates.

OPEN POLICY- Insured having substantial turnover and frequently large numbers of dispatched and/or incoming materials dispatches, it becomes inconvenient to go for individual policies for every dispatch. For such Marine open policy is very convenient document annual.

TURNOVER POLICY- By express agreement covers imports exports domestic transit in a single policy. The sum insured represents the insured annual sales turnover and the same is required to be enhanced by paying an appropriate additional premium before getting exhausted.

Office Insurance offers comprehensive coverage for the risks associated with threats that can impact office operations.

It covers not only the office property but also the loss of money or any cheating done by employees. The insurance is usually offered as an office package policy to cover the risks arising from various untoward incidents.

• Offers comprehensive coverage for the risks that can impact office operation.
•  Coverage for misuse of office data.
•  Coverage for loss of money or any cheating done by an employee.
•  Secures business owners from legal liabilities.
• Tenants liability
• Money insurance
• Fiexd glass and sanitary fittings
• Fidelity guarantee
• Electronic equipments

Student Safety Insurance policies are offered to students and can be availed by educational institutions such as schools, colleges, etc. for the benefit of their students. This policy is issued under the name of the educational institution and the claim is paid out to the guardian or parent of an affected student. 

• Death
• Loss of two limbs , two eyes or one limb and one eye
• Permanent total disablement from injuries 
• Permanent partial disablement

• PA to students 
• Hospitalization expenses
• Cover for OPD expenses under ME
• Loss of fees
• PA to parents
• PA cover to teaching and non –teaching staffAre your customers raving about you on social media? Share their great stories to help turn potential customers into loyal ones.