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• Pays for litigation costs and awards against any officer or key employee Protect directors and other key executives from litigation costs. Necessary to embolden executives to work without fear of litigation. Covers litigation for any reason.


• Pays for litigation related to alleged deficiency of services or negligence. Relevant for all services companies and individual professionals such as doctors, architects and chartered accountants. Conduct your business without worrying about acrimonious litigation.


• Pays for third party claims on your premises or because of your products. Consists of public and product liability. Public liability covers litigation by third parties hurt on your premises. Product liability covers damages caused by products that you manufacture.


• Cyber Risk. Commercial Crime. Carrier Legal Liability These insurances are specific to select industries. Carrier Legal Liability protects fleet owners and transporters. Cyber Risk most applicable to companies dealing in online customer information. Commercial Crime relevant to financial services companies amongst others.

• Insurance recognized by customers, suppliers, regulatory authorities, external agencies and international companies. Meets your contractual requirements


• Covers legal liability under the Workmen Compensation Act (WCA) of 1923, and subsequent amendments. This is an umlimited liability exposure that you carry. Claims under the Fatal Accident Act, 1855 and common law are also covered. Cover for death, permanent disability, partial disability, temporary total disability available


• Covers claims related to any event after the retroactive date. This is specified as the start date when the first Workmen Compensation insurance was bought. Ensures that cases that come about several years after the incident also covered


• The cover and risks vary considerable by industry. Generally the risks are highest in manufacturing and industrial businesses. We make sure the insurer properly understands the risk and occupation classification before placing the insurance

This policy covers the amount which the insured becomes legally liable to pay as damages to third parties as a result of accidental death, bodily injury, loss or damage to the property belonging to a third party. The legal cost and expenses incurred in defending the case with prior consent of the insurance company are also payable subject to certain terms and conditions.

One can insure more than one unit situated in different locations under a single policy.The policy offers a benefit of Retroactive period on continuous renewal of policy whereby claims reported in subsequent renewal but pertaining to earlier period after first inception of the policy, also become payable.

We issue three types of Public Liability Policies.
1.Public Liability Non Industrial Risk - For offices, hotels, cinema houses, hospitals, schools etc.
2.Public Liability Industrial Risk - For godowns , warehouses and factories.
3.Public Liability Insurance Act 1991 - This is a mandatory policy to be taken by owners ,users or transporters of hazardous substance as defined under Environment (Protection) Act 1986 in excess of the minimum quantity specified under the Public Liability Insurance Act 1991.

• Insurance recognized by investors, external agencies and international companies. Meets contractual requirements that you may have.
• Cost of litigation against any executive or director of the company covered; Can be customized for litigation in India or worldwide.
• Covers claims related to any event after the retroactive date. This is specified as the start date when the first D&O insurance was bought. Ensures that cases that come about several years after the incident also covered.
• You do not need to list out all the directors and officers for the insurance. This makes administration simple, particularly if there are frequent changes in executives, officers or directors.

This policy is specially designed to give financial protection to the Civil Engineering Contractors in the event of an accident to the civil engineering works under construction.In case the policy period exceeds 12 months, the premium can be paid in quarterly installments with the first installment being more by 5% and the last installment being paid 6 months before expiry of the policy.

The policy comprises of 2 Sections :
Section I-Material Damage-covering physical loss, damage or destruction of the property insured by any cause, other than those specifically excluded in the policy.
Section II-Third Party Liability-covering the legal liability falling on the insured contractor as a result of bodily injury or property damage belonging to a third party.

This is a policy which covers financial loss incurred by the insured due to loss or damage to machinery as a result of sudden accidental electrical and mechanical breakdown.It reimburses the insured for the cost of repairs or replacement of machinery of like nature.
1.This insurance can be taken by the individual owner of the machine or a person or company having financial interest in the machine.
2.All types of industrial machinery like compressors, pumps, turbine etc. as also electrical machines like transformer, electrical motor, generator etc. can be covered under this policy.
3.It is a requirement of this policy that the sum insured or value for which the particular machine is insured should represent the present day purchase value of a similar new machine including all incidental expenses like custom duties, taxes, excise, freight, insurance charges, handling charges etc. In case the sum insured under the policy is less than as per the above requirement the claim will be paid only in such proportion as the sum insured bears to the current replacement cost of similar new machinery.

The policy covers all kinds of electrical and mechanical breakdown resulting from the following incidents:
1.Faulty material/workmanship of the machine
2.Action of centrifugal forces contributing to disruption of the rotating parts
3.Failure of lubrication due to malfunctioning of lubricating oil pumps or its breakdown.
4.Malfunctioning or failure of safety devices.
5.Electrical short-circuiting including electrical fire originating from failure of insulation and or over voltage or under voltage conditions.
6.Abrupt and sudden stoppage of other connected machinery.
7.Entry of foreign bodies into running machine.
8.Inexperienced operations causing damage due to error of judgment or error in operation.

We will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the labour master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself, because it is pleasure, but because those who do not know how to pursue pleasure rationally encounter consequences that are extremely painful. Nor again is there anyone who loves or pursues or desires to obtain pain of itself.

Expound the actual teachings of the great explorer of the truth, the labour master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself, because it is pleasure, but because those who do not know how to pursue pleasure rationally encounter consequences that are extremely painful or again is there anyone who loves or pursues.