Hull and Machinery Insurance
Insurance of Vessel and Machinery, Insurance of freight, chartered or anticipated time/time charter hire/passage money -time/voyage.

Loss of profits insurance
In case of new project where equipment has to be procured indigenously or by imports, any loss or damage to the equipment during transit may involve ordering of fresh equipment which leads to delay in completion of the project, commencement of production and thereby loss of profits. The Financial institutions who are interested in timely completion of the project for their debt servicing, would like this risk covered by an Insurance contract and the Marine (cargo) insurance policy can be extended against what are known as 'consequential loss due to Marine delays' or simply -Delay start up.

Loss of hire Insurance
This covers loss of hire suffered by the ship owner, if the vessel which is given on charter, is laid up for repairs following a casualty covered under the terms of the hull and machinery policy. 

Ship repairers liability Insurance
This covers liabilities of ship repairers towards the owners of the vessels repaired by them. The careless use of oxy-acetylene or welding torches in areas where oily waste is lying or near fuel lines has been a major cause of many serious fires.

Builders risk Insurance
This covers vessels under constructions from the time of laying the keel until the time of delivery to the buyers.

Charterers liability Insurance
This covers damage sustained by the vessel during the period of the charter for which the Charterers are held legally liable. Demurrage is also covered if the vessel is delayed in order to carry out repairs for which the Charterers are held legally liable.

War and strikes risks Insurance
The war and strikes risks in respect of hull and machinery and subsidiary interests, i.e. freight, disbursements, increased value and premium reducing are covered under the government war risks scheme in India. 

Standard Fire and special perils Policy
This policy covers loss or damage arising out of fire and allied perils to stocks, Building, furniture and fixtures, machinery, electronic equipment and other contents in the premises of the factory and the office building. 

Burglary and Housebreaking (Business premises) Policy
This policy covers loss or damage to property like stock, stock-in-trade, goods in trust, plant and machinery, fixtures, fittings, cash or valuables in strong-rooms or safes by theft following burglary (felonious entry or exit from the premises by violent and forcible means). This policy can be taken for stocks and other Contents in buildings.

Machinery Breakdown Policy
This policy is taken for all the machinery (electrical/non electrical) available in an organization. This cover is against unforeseen and sudden damages caused to the insured machinery.

Machinery breakdown Insurance - loss of profit
This policy is suitable for industries where interruptions or delays as a result of machinery breakdown or boiler explosion result in huge consequential losses. Where the time lag between the breakdown or loss and the restoration is large, this policy compensates for the loss of profits during the intervening period.

Electronic equipment Policy
This is an all risk policy which covers electronic equipment like computers, UPS, Audio video equipment, printer, faxes, other electronic/microprocessor equipment used in the factory/office.

Money Insurance
This policy provides cover against loss of money in transit, by the insured or Insured's authorized employee(s) occasioned by robbery, theft or any other fortuitous cause. It also covers loss by burglary of house breaking whilst money is retained at Insured's premises, in safe(s) or strong room. Organizations can take this policy while in transit from one branch to other branch or while in transit.

Fidelity Guarantee Insurance
This policy reimburses for direct pecuniary loss due to all acts of fraud or dishonesty or forgery or embezzlement committed by any of the Insured's employees in connection with his/her occupation during the uninterrupted continuance of employment.

Public liability Insurance
This policy is taken to indemnify the company against his legal liability to pay compensations including claimant's costs, fees and expenses in respect of injury/damage arising out of accidents. 

Workmen's Compensation Insurance
This policy provides cover to employees in the immediate service of any organisation/ site of work who sustain personal injury by accident or disease arising out of and in the course of employment in the business and if the employer are liable to pay compensation for such injury illness under W.C. Act, 1923, Fatal Accidents Act, 1855 or at Common Law.

Employee Health and Accident Insurance
This policy covers Accidental death or bodily injury caused solely by violent, external and visible means or loss resulting directly and independently for all other causes from bodily injuries caused by an ACCIDENT.

Group Mediclaim Policy
This policy covers Group/Association/Institution/Corporate Body of more than 50 persons provided it has a central administration point. This policy covers Hospitalization expenses only for illness/diseases contracted or injury sustained, Rooms, Boarding expenses as provided by the Hospitalization/Nursing Home, Nursing Expenses and Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees Anesthesia, Blood, Oxygen, Operation Theater Charges, Surgical Appliances, Medicines and Drugs, Diagnostic Materials and x-ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs and Cost of Organs and similar expenses.