Life Insurance products offers assurance in terms of agreed benefits as well as Pay Continuation plans these plans are also called "salary continuation plans". Group Life Insurance is an important perk that increase staff's loyalty. Pay Continuation (Life Insurance Plans) in same manner keep the bereaved in peace as they shall be getting gross salaries (on monthly basis) up to agreed months after the loss of beloved ones.

Health insurance combines the risks and resources of a large group of individuals to ensure that each person is safeguarded against financially burdensome medical costs caused by illness, accidents, or disabilities.

IIB can help you out by providing "one-window" solution to achieve optimal pricing, program briefing to staff, dedicated claims team to handle in-patient and reimbursement cases.

Protect your home, offices, machinery, factories and stock (raw, in-process and finished stock) from an unforseen events due to listed perils below.

Perils

• Fire & Lightening
• Riot & Strike Damages
• Malicious Damages
• Impact Damage
• Eathquake Fire & Shock
• Burglary
• Atmospheric disturbance
• Electrical Clause "B"

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.

Comprehensive Machinery Insurance or CMI is a type of insurance that covers sudden and unforeseen damage to machinery and equipment used in commercial or industrial operations. It protects against losses from mechanical or electrical breakdowns, operational failures, and external causes like accidents, provided the damage requires repair or replacement. Typically, it covers a wide range of equipment, such as production machinery, generators, or heavy industrial tools, but excludes normal wear and tear, wilful negligence, or pre-existing defects. This insurance is crucial for businesses to minimize financial losses from unexpected equipment failures.

Business Interruption Insurance or BI covers financial losses a business incurs when its operations are disrupted due to a covered event, such as equipment breakdown, fire, or natural disasters. It compensates for lost revenue, fixed costs (e.g., rent, salaries), and extra expenses incurred to resume normal operations during the interruption period. This insurance is often paired with property or machinery insurance and is critical for businesses to maintain financial stability during unexpected disruptions. Exclusions may include losses from non-covered events or normal operational delays.

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.

Insurance Guarantees

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

• Bid Bond/ Guarantee
• Performance Bond
• Advance Mobilization
• Custom Bounded Warehouse