Property insurance is a broad category of policies that protects physical assets—such as a home, business building, or personal belongings—from financial loss due to damage, destruction, or theft. It reimburses the owner for repairing or replacing the items against covered events.

Allied Perils:

• Fire & Lightening
• Riot & Strike Damage
• Malicious Damage
• Impact Damage
• Eathquake Fire & Shock
• Burglary
• Atmospheric Disturbance (AD)
• Electrical Clause "B"

Marine Insurance is the oldest coverage under the umbrella of insurance as roots go way back to 1350 also called "Mothe of all Insurances".

Marine Cargo Insurance Primary coverage to protect your goods from the risks of fire, theft, sinking of vessel, riots, strikes, war and rain water damages. Cargo insurance specifically protects the cargo being transported by air, sea, or land.

Marine Hull Insurance It is insurance of ship itself. It includes physical damage to the ship’s machinery, equipment, and structure brought on by collisions, marine mishaps, or natural disasters. Businesses engaged in maritime transportation, fleet operators, and ship owners all need this kind of insurance.

Travel Insurance provides financial assistance against unexpected events during domestic or international trips and covers incidents such as trip cancellations, medical emergencies, and baggage loss etc.

Travel Requirements:

• Domestic
• International
• Student Trvael
• Hajj & Umrah

Private and Commercial vehicles are exposed to following risks on road.

• Accidental Damages
• Theft
• Total Loss
• Third Party

All these risks are covered under single package called "Comprehensive Motor Insurance". Only exception lies with Commercial Vehicles where "Comprehensive Motor Cover" generally imply CV-4 clause.

Commercial Vehicle Clause (CV)-4 states that insurer is not liable for damage to lamps, tires, mudguards, bumpers, and paintwork when the vehicle is involved in an accident due to fire, self-ignition, lightning, or while parked in a garage.

Before and after Government or Corporate tenders we are actively assisting contractors for all kind of insurance guarantees.

• Bid Bond/ Guarantee

In order to bid on Government or some private principals. Bid Inusrance guarantee requires along with financial and technical proposal as part of your bid covering a certain percentage of bid amount.

• Performance Bond

After the award of contract, winning contractor submit "performance bond" to ensure the completion of work within time. This guarantee can be extended upon written request from principal.

• Advance Mobilization

According to the construction agreement, few project allows advance payment to contractor. In this situtation contractor submit advance mobilization bond to principal to ensure contractor will use advance funds for the project work only.

• Retention Money Bond

A Retention Money Bond (or Retention Bond) is a financial guarantee in the construction industry that allows a contractor to receive their full payments from a project owner. It acts as a substitute for traditional cash retentions (the 5% to 10% usually withheld from payments to ensure defects are fixed.

This segment includes coverages for various subject matter of insurance and here is the brief of covers available in this segment.

Cash In Safe (CIS)

Cash in Safe insurance is a policy that financially protects a business against the loss of cash, bank notes, and other cash equivalents stored within a locked safe or vault on the premises, typically due to events like robbery, armed holdup, or burglary.

Cash In Transit (CIT)

Cash in transit (CIT) insurance protects a business's money, cash equivalents, and other valuables from loss or damage due to events like robbery, theft, or accidents while being transported between locations, such as from a bank to a business or between different branches.

Mobile & Laptop Insurance

Mobile and Laptops are typically covered against financial losses due to accidental damage, such as broken screens or liquid damage, and loss or theft of your device.