Commercial Lines
Fire and Allied Perils
This is the most important and basic form of insurance and is essential for all types of business concerns. Fire and Allied Perils Insurance provides comprehensive cover in respect of loss of or damage to your property against fire and lightning.
Business Interruption
Business interruption insurance covers you for loss of income during periods when you cannot carry out business as usual due to an unexpected event. Business interruption insurance aims to put your business back in the same trading position it was in before the event occurred.
Industry All Risks
This is a comprehensive packaged policy providing cover against material damage and business interruption of a business enterprise. This policy provides cover against all risks/perils other than those which are specifically excluded in the policy.

Terrorism Insurance
It’s a sad fact of our world that some use violence as means to their political ends. With the possibility of terrorist acts close to home, it makes sense to understand whether your home, family and business are insured in the event of such an incident.

Comprehensive Machinery Insurance
The insuring party has submitted to the insurer a proposal requesting insurance cover to be provided under one or more sections of this policy of insurance and the proposal has been accepted by the insurer. The insurance cover provided by this policy of insurance is only in respect of and subject to the wording of those sections to which the schedule has been completed and which have been signed and dated by the insurer.
Oil & Energy Insurance
Oil and gas insurance covers onshore and offshore, upstream and downstream, operators, drilling contractors, well servicing, pipeline, trucking, and manufacturing. Insurance solutions vary but are based on the individual needs of the company.

Machinery Breakdown Insurance (MBI)
This policy covers loss or damage to participant’s fixed Plant & Machinery against sudden, accidental and unforeseen physical loss or damage caused by all the perils which are not specifically excluded.

Boiler & Pressure Vessel Insurance
Boiler and Pressure Plant Insurance covers damage to boilers & pressure plant with additional coverage to protect to, damage to surrounding property and Third-Party legal liability arising due to explosion and collapse of the boiler/ pressure plant during its normal course of working.
Marine Hull & Cargo Insurance
Marine hull and liability insurance covers damage or loss to the vessel, including its machinery and equipment, as well as legal liability to any third party due to negligence related to the vessel’s operations or the actions of masters or crew. If the goods are moving from one place to another, they are prone to several risks. Risks of fire, theft, rain water damage, riots, strikes, war, sinking of vessel, piracy etc. There is no way to avoid these risk, hence the most viable solution to avert the loss is to buy Marine Cargo Insurance. It compensates the cargo owner for the loss or damage to its cargo attributable to large number of risks.

Contractors All Risk (CAR) & Erection All Risk (EAR)
This policy cover for Material Damage and Liability during erection and maintenance period for your project works comprising mainly of assembly of prefabricated elements or machines manufactured off-site.

Bid, Performance & Mobilization Advance Bonds
A performance bond is issued to one party of a contract as a guarantee against the failure of the other party to meet obligations specified in the contract. It is also referred to as a contract bond. A performance bond is usually provided by a bank or an insurance company to make sure a contractor completes designated projects.

Liability Insurance
Product liability insurance covers legal liability against claims raised by third party for personal injury and/or death and/or property damage caused by products sold or supplied by the Insured in connection with the business.
Directors & Officers Liability
Directors and officers (D&O) liability insurance is insurance coverage intended to protect individuals from personal losses if they are sued as a result of serving as a director or an officer of a business or other type of organization. It can also cover the legal fees and other costs the organization may incur as a result of such a suit.

Professional Indemnity
As a business owner, you want to protect your business in as many ways as you can. Professional indemnity insurance, also known as PI insurance, covers you should a client or customer claim that your service, advice or design is inadequate, is not as expected or resulted in financial loss for the client. It would cover any legal costs and other expenses incurred in your defence, as well as damages or costs that may be awarded to your client.

Personal Accident & Kidnap/Ransom Insurance
This benefit provides an indemnity for Accidental Death, Dismemberment, Loss of Sight, Hearing, Speech and Permanent Total Disability which result from a covered accident. Under this plan, you are covered 24-hours, 365 days of the year.

Credit, Crop, and Livestock Insurance
Crop insurance deals with the financial protection against natural disasters, fire & lightening and insect / pets attack on standing crop. According to the survey, World economy is based on agricultural production so that’s why for the safety of farmer’s investment agriculture insurance become essential.

Cyber Insurance
Cyber insurance generally covers your business’ liability for a data breach involving sensitive customer information, such as Social Security numbers, credit card numbers, account numbers, driver’s license numbers and health records.

High Net Worth & Commercial General Liability Insurance
Commercial General Liability Insurance is a broad type of insurance policy which provides liability insurance for general business risks.
Aviation – Hull & Liability Insurance, Loss of License
Aviation Hull & Liability Insurance provides coverage for physical damage to an aircraft (hull) and protects aircraft owners or operators from legal liabilities arising from bodily injury, property damage, or passenger claims due to accidents.
Personal Lines
Health Insurance
Individual Health Insurance provides medical coverage for a single person, covering expenses such as doctor visits, hospital stays, prescription drugs, and other healthcare needs. It offers tailored plans based on personal health requirements.
Travel Insurance
Travel Insurance provides financial protection for travelers against unforeseen events such as trip cancellations, medical emergencies, lost luggage, flight delays, and other travel-related risks.
Home Insurance
Home Insurance is a policy that provides financial protection to homeowners against damage or loss to their property and belongings due to risks like fire, theft, natural disasters, and vandalism.
Motor Insurance
Motor Insurance – Private & Commercial provides financial protection for vehicles, covering damages or losses resulting from accidents, theft, or natural disasters.