Combination of the workmen injury benefit act (WIBA) and Group Personal Accident (GPA) to give an employer a one stop solution for employee insurance. Covers workplace and off-duty risks by ensuring 24 hours coverage. The accidental injuries, disease, death which arise during working hours are covered under the WIBA while accidental injuries and death which […]


Cover the employees of the Insured whilst on duty and engaged in the execution of the Insured’s business &/or any project undertaken by the Insured, against accidental bodily injury, disablement or death.

Employer’s liability (Common Law)

Offers protection to employers for their legal liability under Common Law, for damages and claimant’s costs and expenses of lawsuits filed by an employee. We reimburse expenses which may be incurred while defending any such actions/lawsuits.

Public Liability

Protects insured against legal liability to members of the public arising from either death or bodily injury to third parties and loss of or damage to third-party property. Covers mainly accidental death of or bodily injury or disease contracted by any person, accidental loss or damage to material property which occur through the fault or […]

Professional Indemnity

The cover protects professionals who become legally liable as a direct result of any negligent act,error or omission made during the performance of duties as a professional. Cover is available for Lawyers, Architects, Engineers, Accountants/auditors, Trustees (Liability), Medical professionals and other professionals who may be held liable for the accidental loss.

Products Liability

Covers claims by third parties alleging that a product you made or sold is defective, and caused them to sustain bodily injury or property damage or death Protects against claims of personal injury or property damage caused by products sold or supplied through your business

Motor Insurance

Cover against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from road incidents. Cover for both private and commercial vehicles, trucks, motorcycles, and other road vehicles. Events covered include vandalism, fires, and rockslides on twisting mountain roads and any other that is not excluded in the policy […]

Golfers (Sportsman)

Cover against any sudden and accidental damage of sports equipment, clothing, accidents caused by the insured whilst playing, damage to property, personal accidents and hole-in-one incidents subject to exclusions as per the policy schedule of exclusions.

Pedal Cycle

Cover you against theft and accidental damage or breakdown of your pedal cycle plus public liability cover while you use your pedal cycle

Plate Glass

Covers accidental breakage of and damage to fixed plate glass on business premises which arise out of fire, malicious damage, riots and strikes, breakage from vehicles, animals and nature related events.

Marine open cover

This cover provides a blanket cover against loss or damage to all goods transported by a specific carrier, or by a specific shipper, during a stated period. The terms applicable in the policy are agreed in advance at the beginning of the policy period but premiums are charged as and when the actual shipment is […]

Goods in transit

Cover against loss or damage to property associated with loading, actual transit and storage incidental to the transit. This cover is restricted to goods being transported within the country or within the region as specified in the policy schedule.

Marine Hull

Insurance cover for water vessels (Yatch, boat and ship). The cover is against loss or damage to the hull, engines and accessories caused by perils of the sea, rivers, lakes or other navigable waters. It also covers loss by fire, theft, jettison, piracy, explosion, and malicious acts. The cover may be extended to cover Third […]

Marine Cargo

Marine cargo insurance protects goods from the risk of loss, damage, pilferage and theft during transit by sea, land and air from the port of origin to the final destination

All risks

Covers everything (any peril), except the perils which are clearly listed under the exclusions


Indemnify the insured against the loss of or damage to the property insured arising from burglary or housebreaking as defined in the policy. Exclusions are not covered.

Fidelity Guarantee

Cover the employer against loss of money, loss of stock or property which might result from acts of dishonesty by an employee in the course of employment

Cash In Transit (Money)

Cover against loss of money while in the insured premises locked in a safe, in transit en route to a final destination and while in custody of and authorized employee.

Political risk and terrorism

Covers physical loss or damage to building and contents which belong to the insured Protects insured against act of terrorism, sabotage, riots, strikes, and/or civil commotion, malicious damage, mutiny and/or coup deter and war and/or civil war

All Risk

Comprehensive insurance that protects property against loss or damage from any cause such as fire & allied perils, burglary, accidental damage and business interruption


Covers against loss or damage to property caused by fire, lightning, explosion, earthquake, bush fire, riot and strike, floods, and related perils.

Consequential loss

Covers loss of profit upon business interruption due to fire or other extended perils covered under the policy schedule.

Contractor’s All Risks Insurance

Covers insured against accidental property damage and third-party injuries which are the primary risks associated with construction projects. In particular, the policy protects insured against improper construction of structures, damages that occur during renovation and damage to temporary work erected on-site. Third party liability which arise out of injuries to subcontractors working at the construction […]

Deterioration of Stock Erection

Covers against accidental loss or physical damage to goods stored in specified cold storage facilities. In particular, the policy covers against loss arising out of accidental change in temperature due to breakdown or damage of refrigeration equipment.

Boiler and pressure vessel Insurance

Covers against accidental damage to boilers & pressure plant, surrounding property and third party legal liability due to explosion and collapse of the boiler or pressure.

Electronic Equipment Insurance

Covers accidental loss or physical damage to electronic equipment The protection is against all accidental damages and natural calamities like fire, lightning, explosion, war, cyclone, earthquake, flood, landslide, rockslide etc. Any electrical and mechanical breakdown

Machinery Breakdown Insurance

Covers accidental breakdown and physical damage of the machinery, the cost of repairs or replacement of the damaged machine parts.

Contractors Plant and Machinery

This policy will protect you as the contractor against accidental loss or damage to contract works, contractors’ plant and machinery and material on site during construction period. You may extend the policy to include protection against third party liability which may arise out death or damage of property due to the contractor’s negligence.