It mainly comprises of material value in the form of tangible assets. Since tangible property has a physical shape and consistency, it is subject to many risks ranging from fire, allied perils to theft and robbery. But if a person judiciously invests in insurance for his property prior to any unexpected contingency then he will be suitably compensated for his loss as soon as the extent of damage is ascertained.

  1. Fire insurance cover
  2. Engineering
  3. Corporate fleet
  4. All risk cover

Fire Insurance Cover

  1. Standard Fire and Special Perils

    Perils insured are fire, lightning, explosion / implosion, impact damage, aircraft impact, bursting / overflowing of water tanks / pipes / apparatus, sprinkler leakage, storm, cyclone, typhoon, hurricane, tempest, tornado, flood, inundation, subsidence, landslide (including rock slide), riots, strikes, malicious damage, missile testing operations. Additionally with options to insure Earthquake and Terrorism risks and a host of extensions including insurance of rent.

  2. Consequential Loss

    Covers loss of profits of a business due to reduction in the turnover caused by a loss or damage that is covered in the Standard Fire Policy. This insurance includes cover for Increased Cost of Working following the loss, as well as the Standing Charges of the business


  1. Machinery Break down

    This policy covers for physical loss or damage to machinery and equipment against unforeseen and sudden physical loss of, or damage to the insured items, necessitating their repair or replacement, other than specified excluded perils.

  2. Boiler and pressure Plant

    The Boiler And Pressure Plant Insurance policy provides coverage for all types of boilers and / or other pressure plants. This policy covers sudden / accidental explosion and collapse risks to insured boilers / pressure plants. This policy also includes insured's own surrounding property and third party liability coverage, arising out of a sudden and unforeseen physical loss of, or damage due to explosion or collapse of the boiler and / or pressure plant.

  3. Electronic Equipment Insurance

    The Electronic Equipment Insurance policy provides comprehensive coverage for electronic equipment. This policy can be extended to include additional costs the insured shall incur to ensure continued data processing on substitute equipment if such costs arise as an unavoidable consequence, of an indemnifiable loss or damage, during the period of insurance, to property insured under the material damage section of the policy.

  4. Business Interruption losses

    This Policy broadly covers the risk of accidental physical loss or damage in respect of the contract works, during the execution of a civil project. CAR insurance provides an ‘all risk ‘cover.
    Cover incepts from the commencement of work or after unloading of first consignment at project site, whichever is earlier and terminates on handing over of works to the principal or expiry of policy, whichever is earlier.

  5. Erection All Risk

    This policy covers risks associated with storage, assembly/erection and testing of Plant and Machinery. EAR insurance provides comprehensive cover. All perils are covered unless specifically excluded. Cover incepts from the time of unloading of the first consignment at the project site and terminates on completion of testing or handing over of the project to the Principal, or the period chosen, whichever is earlier.

  6. Contractors Plant and Machinery

    This Policy broadly covers loss or damage to the contractor’s property due to any cause that is accidental and external in nature. Cover operates when the insured property is at work or at rest or being dismantled for the purpose of cleaning/overhauling or during subsequent re-erection.

  7. Contractors All Risk

    This Policy broadly covers the risk of accidental physical loss or damage in respect of the contract works, during the execution of a civil project. CAR insurance provides an ‘all risk ‘cover. All perils are covered unless specifically excluded. Cover incepts from the commencement of work or after unloading of first consignment at project site, whichever is earlier and terminates on handing over of works to the principal or expiry of policy, whichever is earlier.

Corporate Fleet

Management of insurance of the fleet of vehicles owned by companies is a task in itself, which requires investment of good time and effort

All Risk Cover

Insures the risk of accidental damage to portable equipment such as laptops and other electronic devices, test and measuring instruments, etc. at any location and including whilst in transit in the personal custody of the employees of the business.


With the globalisation of the economy, supplier linkages span oceans, but still require goods to be delivered to the concerned party in a pristine state, just-in-time.

  1. Marine Cargo:

    Marine Cargo Policies cover your interest in the cargo insured and also extends to cover the interests of any third party to whom you have assigned interest upon transfer of ownership, as determined by the Terms of Sale.

  2. Marine Turnover Policy:

    Is a complete marine insurance package where the premium for the policy is charged only on the company’s sales turnover.


Under the purview of this class of insurance, the risks associated with human life in general can be covered up to the limit specified. A person can insure his or her life and his health against any unplanned contingencies. In event of his death, his dependants will be reimbursed to the full amount that he was insured for. Or if the insured person meets with an accident or suffers from an illness that cripples him forever, he will be compensated with the complete sum assured anyway since he may not be able to lead a normal life again. In case, the accident is not that severe, he should be able to recover after medical treatment and rehabilitation. If he has opted for medical cover, then his medical expenses, treatment and medication will be paid for by his insurance policy.

  1. Health , disability and death
  2. Personal accident
  3. Voluntary employee benefit
  4. Travel policy

Personal Accident

The Insurance Policy compensates the Insured in case of Accidental Death, Loss of limbs and eyes, Permanent Total Disablement and Permanent Partial Disablement.

Voluntary Employee Benefits

Employees are the most important asset for any organisation. With a booming economy, and abundant job opportunities organisations need to differentiate themselves as distinct employers. The role of an employer does not end with creating a great work environment, and providing excellent opportunities. It also needs to facilitate employees to protect themselves from the vagaries of life such as accidents, illnesses etc

Travel Policy

Every business trip you make is an investment. Hence a travel policy would ensure minimizing the risks taken.


Today’s corporate environment is characterized by increased sensitivity to Corporate Governance issues, stringent client contracts, demanding stakeholders and an increased need for protection against fraud. This necessitates companies to protect themselves against a wide range of exposures arising out of the dynamic nature of business.

  1. Burglary and Theft
  2. Credit insurance
  3. Money insurance
  4. Employee infidelity

Burglary and Theft

Covers loss or damage from burglary, i.e. theft following upon actual forcible and violent entry or exit from the insured premises.

Credit Insurance

Trade Credit insurance helps companies reach their goals by ensuring that their hard-won sales convert to cash.
Trade Credit Insurance protects open account sales - export and domestic - against non-payment resulting from a customer's legal insolvency or default, and can be expanded to include political risks around the world.

Money Insurance

is against loss of money whilst contained in a locked safe or cash box within the insured premises. The coverage can be extended to include loss of money whilst in transit.

Employee infidelity

Provides protection to businesses against the consequences of employee fraud, dishonesty and theft.


Irrespective of the size of business, it is pivotal to consider liability insurance. It is prudent to cover your business against all kinds of liabilities -- public liability (third party injury or property damage) from industrial and non-industrial operations, product liability, professional indemnity, D&O liability and E&O liability.

Commercial General Liability Insurance

  1. Commercial General Liability Insurance
  2. Product liability insurance
  3. Public liability insurance
  4. Directors and officers liability insurance
  5. Professional indemnity insurance
  6. Workmen compensation insurance
  7. Umbrella liability insurance

Commercial General Liability Insurance

The Commercial General Liability policy is the ideal policy for organizations that are proactive in their approach towards Liability issues.It is accepted the world over as the complete policy to provide seamless protection to the Insured. It’s a modular policy and it covers third party liability arising from various business exposures such as:

  • Premises operations
  • Products & Completed Operations
  • Advertising & Personal Injury
  • Supplemental Payments such as fire Damage limits and medical expenses

Product Liabilities Insurance

Product Liability policy pays for damages, that the insured is legally liable to pay in consequence of accidental death/injury or disease to third parties including damage to third party property due to any defect in the products manufactured. Exports to other countries can also be covered provided domestic sales are also covered. This policy is suitable for all industries where the need for compensation on account of defective product may arise.

Public Liability 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.

Directors & Officers Liabilities Insurance

Directors and Officers of a company hold positions of trust and responsibility of the organization. They may become liable to pay damages to shareholders, employees, creditors, etc., of the company for wrongful acts committed by them in the supervision and management of the affairs of the company.

Professional Indemnity Insurance

Provides protection for the company and its subsidiaries for claims brought in respect of negligent acts, errors or omissions in the performance of professional services. The policy is meant to pay for defence expenses and damages and includes amounts that the insured is legally required to pay because of judgments, arbitration awards or the like rendered against the insured, or for settlements negotiated in accordance with the coverage afforded by the policy.

Umbrella Liability Insurance

The policy is an Occurrence based policy (can also be issued on a Claims Made basis) and covers liabilities arising due to bodily injury, Property damage, Personal injury or Advertising injury devolving on the insured caused either by an Occurrence or arising out of liability assumed under an "Insured Contract". It is triggered when either the applicable limits of insurance of the underlying policies are exhausted or when the damages covered under the umbrella are not covered by the underlying insurances.

Cyber & Technology Liability in India


Scenario in India: Cyber risk insurance seems to take an uptick

Recent data indicate that India is ranked third globally in terms of vulnerability to cyber attacks, accounting for 6.5 per cent of the targeted attacks in 2012.

Some high risk sectors are banking and information technology as they handle and process large amounts of personal and proprietary data for their customers on online platforms. There are also concerns on the likely impact on the outsourcing industry which depends upon work from overseas companies.

Two Indian technology firms, working as outsourced payment processors, were in the spotlight recently for their alleged role in a $45-million credit card fraud impacting Indian and international banks. In another incident, cyber criminals reportedly hacked into an RPG group company’s bank account and siphoned off INR 24 MLN through the real time gross settlement system (RTGS).


The product is aimed at a wide range of companies as most businesses have an exposure to cyber

Some industry examples include:
  • Website operators and e-tailers
  • Healthcare providers
  • Leisure and entertainment companies
  • Software companies
  • Manufacturers and wholesalers
  • Financial Institutions like Bank, NBFC, etc
  • Manufacturers and wholesalers
  • Professional service companies

We are one of the leading insurance broker in India. We focus on managing insurance policies which other brokers don’t. We have separate verticals catering to corporate and Rural Distribution.

Till date we have insured close to 1.20 lakh farmers, worked across 12 states ,125 districts and more than 750 blocks.

We are headquartered at New Delhi, with our branch office at Noida, Mumbai,and Kolkata.

  • We initiated the program of Rural distribution in the year 2008. We have worked in the states of Rajasthan, Haryana, Punjab, Himachal Pradesh ,Uttarkhand , Chhattisgarh, Madhya Pradesh, Maharashtra, Bihar, Odisha, Jharkhand & Kerla with premium booked running more than 48 Crore.

  • The only insurance broker in the country with focus on rural distribution having developed a niche for Agri based Insurance Program. Over the years we have worked on several insurance program i.e. WBCIS and MNAIS,. etc.


Reinsurance contracts are those contracts in which one insurance company transfers its risk to another insurance company.
There are basically two types of reinsurance namely : a) facultative; b) reinsurance by treaty.

What do reinsurance companies do?

Reinsurance occurs when multiple insurance companies share risk by purchasing insurance policies from other insurers to limit the total loss the original insurer would experience in case of disaster.Expertise - The expertise of another insurer can help a company obtain a proper rating and premium.

What is the meaning of ceding company?

DEFINITION of 'Ceding Company' An insurance company that passes the part or all of its risks from its insurance policy portfolio to a reinsurance firm. Passing off risk in this manner allows the ceding company to hedge against undesired exposure to loss and frees up capital to use in writing new insurance contracts.

What is a cedant reinsurance?

A cedent is a party in an insurance contract who passes financial obligation for certain potential losses to the insurer.The term cedent is most often used in the reinsurance industry, although the term could apply to any insured party.

What does a reinsurance broker do?

Companies often do everything they can to protect the “long-term broker relationship.” This demonstrates a complete lack of understanding by ceding company management of their own fiduciary duties. The fiduciary duties of officers of insurance companies are to the company stakeholders, not to the reinsurance brokers.