Vehicle insurance (also known as, GAP insurance, car insurance, or vehicle insurance) is purchased for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise there from the specific terms of vehicle insurance vary with legal regulations in each region...
The purpose of bike insurance is to protect you from financial loss if you have an mishap while driving your bike.Its primary use is to provide financial protection against theft of the vehicle and possibly damage to the vehicle etc..
We can explain what each benefit means, what each exclusion means, and other details which you may find confusing. Not only do we help you get a policy, more importantly, we will also help you during the time of claim, if any, Act Now. Contact Us.
Insurance coverage that protects businesses from losses due to events that may occur during the normal course of business. There are many types of insurance for businesses including coverage for property damage, legal liability, employee-related risks etc...
Life Insurance to protect your family and save for future expenses.Get one lump sum at the end of policy payment period.Guaranteed payment every month for several years and Get Hospital Cash Benefits...
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Clinical Trial Insurance
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A directors and officers (D & O) insurance policy provides coverage against third party litigation.
These policies typically provide defense costs and pay certain judgements entered against officers and directors. The policy is normally obtained by the business entity which owns the policy and pays the required premium.
Generally, directors and officers are the persons legally responsible for managing the affairs of the company and through whom the company can legally act.
In many jurisdictions, it is the role of the person and not his title which determines whether or not he is a director or officer.
'Officer' in addition to the directors will normally include 'Managers' who are managing the affairs of the company
Complete details as per Proposal
Profit and Loss account and audited Balance Sheet of the Company for the past 3 years
Latest Audited Financials
Articles of Association and Memorandum of Association, in case of a start up company
Professional liability insurance, also called Professional Indemnity Insurance, protects professional practitioners such as Architects, quantity surveyors, home inspectors, Lawyers, physicians, and Accountants against potential negligence claims made by their patients/clients.This coverage focuses on the failure to perform, financial loss and error or omission of the products or services sold. Additional coverage for breach of warranty, intellectual property, personal injury, security and cost of contract can be added.
The primary reason for professional liability coverage is that a typical general liability insurance policy will only respond to a bodily injury, property damage, personal injury or advertising injury claim. But professional services and products can cause claims without causing a bodily injury, property damage, personal injury or advertising injury. Common reasons alleged in making claims on these policies are negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice.
Public Liability Insurance can cover your business for damages and compensation payouts along with any related legal fees in the event that your business has caused injury or death to a member of the public or damage to their property.
If your business deals with clients or members of the public, or if you come into contact with the public in the course of your business activities, Public Liability Insurance should be the top priority insurance cover on your list.
Clinical Trial Insurance
Research organizations carrying out clinical trials face the risk of legal liability to pay research subjects (Participants / Patients ) for the death, bodily injury, physical or mental illness, disease or impairment caused due to the research.
Clinical Trial Liability Insurance (CTLI) provides cover against legal liability arising out of lack of care, negligence resulting in injury or death of the subject. Insufficient/improper disclosure and conflict of interest may also become subject matter of suit.
This policy will indemnify the insured against all sums for which he will be legally liable pay to any Research Subjects (Patients) for the death bodily injury physical or mental illness disease or impairment caused by the research. The policy will also pay for the costs & expenses incurred by the Insured in connection with the defense or settlement of any claim.
Â· List of the names of the (Participants /Patients)
Â· Informed consent form from all the participants
Â· Confirmation of the usage of the drugs prescribed by WHO
Â· Company Profile
Â· Sum Insured / Period required
Shop keeper's policy or Shop Insurance is a comprehensive policy to cover your shops, which are exposed to various risks that threaten to result in significant loss and damage to property as well as business. This policy is specifically designed to cover all the risks and contingencies faced by you as a shopkeeper. It provides protection for the property and the interests of the insured and his partners in the business venture.
The sum insured depends on the value of your shop and the value of the contents of the shop. The value of the shop is calculated on the basis of the estimated cost of rebuilding it completely. The contents of the shop are assessed according to their value at the time of purchasing the shop insurance policy. The valuation would also include electrical and mechanical appliances in the shop..
Generally a Shop keeper's policy covers the following:
Fire & Allied Peril
Burglary & Robbery
Breakdown of Business Appliances, Apparatus, Equipments
Neon Sign / Glow Sign
Public Liability / Workmen Compensation
TATA AIG's Credit Card Insurance solves the problem of an individual's responsibility for late realization of her/his credit card loss. Under this policy, a credit card customer is insured against any expenditure on his lost credit card made 12 hours prior to reporting the loss.
Which cards can be insured?
Any bank's charge cards
The Policy Covers :
Any unauthorized charges that the insured is responsible for on his/her lost or stolen payment cards up to 12 hrs. prior to first reporting of event to issuer.
More than one payment cards can be covered
Points to remember:
Cards need to be physically lost and phishing is not covered as a part of this policy
Internet purchases are covered if the card is stolen and fraudulent happens in the interim
Cash is not covered
Loss of report more than 12 hours are not covered
As IRDA licensed broker, We offer the following services at NO EXTRA COST to you
As a broker, we represent the customers and NOT any specific insurance company
We can analyse your annual insurance cover of various risks (group mediclaim, property insurance, liability insurance, etc.) to see if you have adequate cover without too much cover
We can help you reduce your total insurance expense by negotiating with various insurance companies on your behalf
Help you during claim process
In other words, we undertake all your insurance related services
In today's litigious society, even small mishaps can result in large lawsuits. That's why general liability insurance is essential for most companies. Liability insurance protects the assets of a business when it is sued for something it did (or didn't do) to cause an injury or property damage.
General liability insurance can be purchased separately or as part of a business-owner's policy (BOP). A BOP bundles property and liability insurance into one policy; however, the liability coverage limits are generally pretty low. Businesses that need more coverage usually purchase liability insurance as a separate policy.
The demand for products liability insurance has arisen because of the wide variety of products manufactured and sold to the public in the modern industrial society which products, if defective, may cause death, bodily injury or illness or even damage to property.
The indemnity only applies to claims arising out of accidents during the period of insurance and first made in writing against the insured during the policy period arising out of any defects in the products specified in the schedule and the insured is indemnified in accordance with the operative clause for and/ or arising out of injury Damage or Pollution but only against claims arising out of or in connection with any products specified in the schedule.
Workmen's Compensation protects organization from the threat of expensive lawsuits and large compensation payouts. The policy covers statutory liability of an employer for the death of or bodily injuries or occupational diseases sustained by workmen in the Insured's immediate service and arising out of and in the course of employment. It iscompensation payable under a scheme set out in the Workmen's Compensation Act of India, monitored by the Ministry of Labour.
The employersÃ¢ÂÂ legal liability under the W.C. Act to pay compensation to employees not covered under E.S.I.
Act for bodily injury or disease sustained / contracted out of and in the course of employment is covered by this policy. Liability to employees under Indian Fatal Accident Act 1855 and at Common Law is also covered under the policy.