General Insurance or non-life insurance policies, including automobile and homeowners policies, provide payments depending on the loss from a particular financial event. Typically deals with those risks that affect property – like fire, loss of cargo while at sea, theft and burglary and motor accidents. They also cover events that can result in loss of name and goodwill. These are covered by a class of insurance called liability insurance. Finally there are risks that can affect the person. Termed as personal risks, these may also be covered by general insurance.

General Insurance Products:

General insurance can be categorised in to following:

• Motor Insurance: Motor Insurance can be divided into two groups, two and four wheeled Vehicle insurance.
• Health insurance: Common types of health insurance includes: individual health insurance, family floater health insurance, comprehensive health insurance and critical illness insurance.
• Travel insurance: Travel insurance can be broadly grouped into: individual travel policy, family travel policy, student travel insurance, and senior citizen health insurance.
• Home insurance: Home insurance protects a house and its contents.
• Marine Insurance: Marine cargo insurance covers goods, freight, cargo, and other interests against loss or damage during transit by rail, road, sea and/or air.
• Commercial Insurance: Commercial insurance encompasses solutions for all sectors of the industry arising out of business operations.
• Accident Insurance :Accidents of different types are possible at any time ,at any place and in case of any person or object .Persons and vehicles are more prone to accidents causing injuries and damages.
• Fire Insurance :In order to get the asset ,stock or machines insured against fire ,a proposal form is to be filled in and submitted to the insurance company .The Insurance company examines the proposal with due regards to various factors and the periodical amount of premium is fixed.a insurance policy is then issued in favour of the applicant

This insurance scheme covers your business from damages caused by natural calamities like flood, cyclones, lightning, earthquakes, accidents like fire breakout, explosion/implosion, aircraft damage, etc., as well as burglaries and terrorism.

 Fire Insurance

A traditional and a time-tested policy that offers cover against fire and allied perils and the perils of nature. 

The policy can cover building (including plinth and foundation), plant and machinery, stocks, furniture, fixtures and fittings and other contents.

Standard Fire

The standard cover is a named-peril policy covering the following perils:

• Fire
• Explosion/ Implosion (excluding explosion/ implosion of boilers, economizers or other vessels, machinery or apparatus in which steam is generated)
• Direct lightning
• Aircraft including damage caused by any article dropped there from (excluding pressure waves)
• Riot, strike, malicious damage-excluding terrorism
• Storm, cyclone, typhoon, tempest, hurricane, tornado, flood and inundation
• Impact by any rail/ road/ vehicle/ animal (other than own)
• Subsidence and landslide including rockslide
• Bursting and/ or overflowing of water tanks, apparatus and pipes
• Missile testing operations
• Leakage of water from automatic sprinkler installations
• Bush fire (excluding forest fire)
• Terrorism risk can be covered on payment of additional premium

The policy also covers

• Removal of debris up to 1% of claim amount
• Architect's and Surveyor's fees up to 3% of claim amount

Salient Features

• Quick and expert risk inspections where required
• Expert Risk Control Programme by our Risk Engineers on all aspects of safety and Loss Prevention/ Minimization
• Availability of various optional covers
• Rating based on individual risk features including claims experience and fire protection systems availability
• Superior claim service

Theft & Burglary Insurance

We offer Burglary Insurance as part of an overall package to cater to your insurance requirements. Burglary Insurance covers burglary or housebreaking accompanied by either forcible or violent entry into/ exit from the premises and hold-up.
Burglary Insurance is for

• Machinery
• Stock in trade
• Furniture, fixtures & fittings
• Goods held in trust or on commission for which the insured is responsible.