Every organization tries to ensure a safe workplace, but accidents can still happen. Injuries or, in severe cases, death during employment require compensation under laws like the Employee's Compensation Act 1923 (previously called as the Workmen's Compensation Act, 1923).

Workmen Compensation policy not only takes care of the compliance part but also ensures the well-being of your employees and frees your business from the financial strangulations arising out of employee accidents and workplace injuries.
You need to consider many factors while buying a Workmen Compensation policy. The important factors are:
√ Work Environment
√ Benefits and scope of the coverage
√ Policy exclusions
√ Credibility of the Insurance Company
√ Premium payable
√ Risk management assistance

Our expertise lies in designing a perfect policy that best suits your business needs.

Employees are the most vital assets of any business. Their well-being ensures the well-being of the business. Access to all the Group Health Insurance products of all the top notch brands, deep technical knowhow of all the lens size clauses,
exclusions, co-payments and other policy insights provides us an edge in consulting.
In short, we make sure that our solutions make sense when you need it most.

Marine insurance covers loss during transit suffered by your cargo caused due to fire, explosions, hijacks, accidents, collisions, overturning, theft, weather events, etc
An all-risk Marine Cargo Insurance provides coverage against all risks like Fire, lightning or explosion, Derailment or overturning of vehicle, Volcanic eruption or earthquake, Collision between vehicles, Loss / Damage to goods during loading and unloading, Loss / Damage to goods during handling during transit, Losses caused by river or lake water entering cargo, Theft or malicious damage, Hijack of goods and Shortage or non-delivery of goods.

During the course of execution of project relating to construction of building and civil engineering works, certain unforeseen accidents could occur resulting in considerable financial loss to the contract works, construction / or the principals arising from damage to the contract works, construction of plant and machinery as well as Third Party Claims. The Contractors All Risks (CAR) Insurance has been designed to protect the interests of the Contractors /Principal against such losses.
Contractors All Risk is a comprehensive insurance cover to for any contingency from the moment the material is unloaded at the site of the project and continues during storage, physical construction/erection and till the test run is over and during maintenance, if covered.
Usually, the following risks are covered (T and C apply):
√ Location Risks: Fire, Lighting, Theft, Burglary & Housebreaking
√ Testing and Commissioning Risks: Failure of Safety Devices, Leakage of Electricity, Insulation failure, Short circuit, explosion
√ Act of God: Storm, Tempest, Hurricane, Flood, Inundation, Subsidence, Landslide, Rockslide, earthquake.

It protects the Doctors and Medical Practitioners against allegations of negligence malpractice. A type of liability insurance that offers financial protection for legal expenses and compensation claims resulting from errors omissions during medical treatment or advice.

Doctors often operate in risky environment. Even the highly skilled professionals may come across complications or errors. Despite all compliances, one can't rule out the possibility of patient dissatisfaction or harm. In such situations, Medical Indemnity insurance for Doctors acts as a safety net. It protects you from the potentially expensive financial consequences of litigation. It covers legal expenses incurred in defending against allegations of malpractice, including cost of representation, investigation and compensation.

The Contractors All Risks (CAR) Insurance has been designed to protect the interests of the Contractors /Principal against the losses faced during the course of execution of projects relating to construction of building and civil engineering works. It acts as a safety net against the unforeseen accidents that could occur resulting in considerable financial loss to the contract works, construction / or the principals arising from damage to the contract works, construction of plant and machinery as well as third party claims.

The various risks covered include, but not limited to:
• Location risks
• Handling risks
• Testing and commissioning risks
• Human error risks
• Disaster-related risks

It is liability insurance which covers or protects Directors, Officers and Employees of a company from claims which may arise from decisions and actions taken while serving their duty. It covers legal defense costs or other costs incurred by a company in defending such individuals against lawsuits.

Directors & Officers can be sued or alleged for wrongful acts related to:

• Breach of duty, breach of trust, misstatement or misleading statement, defamation, libel or slander, act of omission or negligence.
• Employment process or inappropriate workplace conduct such as discrimination, retaliation, defamation, failure to promote, sexual harassment etc.
• Claim solely because of their status.