Commercial Insurance

Boiler & Pressure Plant Insurance

Boiler & Pressure Plant Insurance provides protection against damage caused by explosion, collapse, or malfunction of boilers and pressure vessels used in industrial and commercial operations. Boilers operate under high pressure and temperature, making them vulnerable to sudden accidents that can cause severe property damage, business interruption, or third-party injury. This insurance covers repair or replacement costs of boilers, damage to surrounding property, and legal liabilities arising from accidents. It is mandatory for many industries using boilers and pressure equipment and ensures compliance with safety regulations.

Key Features:

  • Coverage for boiler explosion or collapse

  • Damage to surrounding property

  • Third-party liability protection
  • Compliance with statutory requirements

  • Suitable for factories & commercial units

Burglary & Theft Insurance

Burglary & Theft Insurance protects businesses against loss or damage caused by burglary, housebreaking, or theft. Shops, offices, and warehouses face constant risk of unauthorized entry leading to loss of stock, cash, or valuables. This policy ensures financial security by compensating for stolen or damaged property, helping businesses recover quickly without major financial setbacks.

Key Features:

  • Protection against burglary & housebreaking

  • Coverage for stock & valuables

  • Financial loss compensation
  • Ideal for shops & offices

  • Optional cash coverage

Contractors’ All Risk (CAR) Insurance

Contractors’ All Risk Insurance provides comprehensive protection for construction projects against physical loss or damage during execution. It covers civil works, construction materials, equipment, and third-party liability arising from accidents at the construction site. CAR insurance is essential for contractors, builders, and infrastructure developers.

Key Features:

  • Coverage for construction works

  • Protection for site materials & equipment

  • Third-party liability cover

  • Suitable for all construction projects

  • End-to-end project protection

Deterioration of Stock Insurance

Deterioration of Stock Insurance protects businesses from losses caused by spoilage of goods due to breakdown of refrigeration or cold storage systems. It is especially important for food processing units, pharmaceutical companies, cold storages, and supermarkets dealing with perishable goods.

Key Features:

  • Protection against stock spoilage

  • Coverage for refrigeration failure

  • Ideal for cold storage & pharma
  • Reduces financial losses

  • Optional machinery breakdown link

Electronic Equipment Insurance

Electronic Equipment Insurance covers loss or damage to electronic devices caused by sudden and unforeseen events. It protects computers, servers, medical equipment, communication systems, and control panels against electrical, mechanical, or accidental damage.

Key Features:

  • Coverage for electronic breakdown

  • Protection against electrical failure

  • Repair & replacement support

  • Ideal for offices & hospitals

  • Covers high-value equipment

Erection All Risk (EAR) Insurance

Erection All Risk Insurance covers installation and erection of machinery, equipment, and industrial plants. It protects against damage during erection, testing, and commissioning phases, along with third-party liability.

Key Features:

  • Coverage during erection & testing

  • Protection for machinery & equipment

  • Third-party liability
  • Suitable for industrial installations

  • Comprehensive risk cover

Fidelity Guarantee Insurance

Fidelity Guarantee Insurance protects businesses against financial losses caused by employee fraud, dishonesty, or theft. It ensures financial stability when employees handling cash, accounts, or stock commit dishonest acts.

Key Features:

  • Protection against employee fraud

  • Coverage for financial loss

  • Suitable for cash-handling roles

  • Strengthens internal security

  • Peace of mind for employers

Industrial All Risk (IAR) Insurance

Industrial All Risk Insurance is a comprehensive policy covering industrial property and operations under one plan. It combines fire, machinery breakdown, burglary, and business interruption cover, making it ideal for medium and large industries.

Key Features:

  • All-in-one industrial protection

  • Covers plant, machinery & stock

  • Business interruption coverage
  • Reduced policy gaps

  • Suitable for large industries

Jewelers Block Insurance

Jewelers Block Insurance provides specialized protection for jewelry businesses against risks such as theft, burglary, fire, and transit loss. It covers raw materials, finished jewelry, and valuables.

Key Features:

  • Protection for high-value jewelry

  • Coverage during storage & transit

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  • Burglary & fire cover

  • Suitable for jewelers & traders

  • Customized limits available

Money Insurance

Money Insurance covers loss of cash due to theft, robbery, or accident while in transit or stored in a safe. It is ideal for businesses dealing with daily cash transactions.

Key Features:

  • Cash in transit coverage

  • Cash in safe protection

  • Reduces cash-handling risk
  • Suitable for retail businesses

  • Optional extensions available

Shopkeeper’s Insurance

Shopkeeper’s Insurance is a package policy designed to protect small and medium businesses under a single plan. It covers fire, burglary, stock, cash, liability, and employee risks.

Key Features:

  • All-round shop protection

  • Fire & burglary coverage

  • Stock & money insurance

  • Public liability cover

  • Cost-effective package

Standard Fire & Special Perils (SFSP)

SFSP Insurance protects property against losses caused by fire and allied perils such as flood, earthquake, storm, and riot. It is a fundamental policy for commercial and industrial establishments.

Key Features:

  • Fire & allied perils protection

  • Covers building & contents

  • Earthquake & flood options
  • Essential risk cover

  • Wide applicability