Liability Insurance

Worker’s Compensation

Liability to employees under the Workmen’s Compensation Act 1923, Fatal Accidents Act 1855 and at Common Law is covered under this policy. Workers compensation insurance assures that injured workers get medical care and compensation for a portion of the income they lose while they are unable to return to work

Public Liability Insurance

The policy offers a benefit of Retroactive period on continuous renewal of policy whereby claims reported in subsequent renewal but pertaining to earlier period after first inception of the policy, also become payable. This is a mandatory policy to be taken by owners, users or transporters of hazardous substance as defined under Environment (Protection) Act 1986 in excess of the minimum quantity specified under the Public Liability Insurance Act 1991.

Professional Indemnity

It provides indemnity cover if your client suffers a loss - material, financial or physical - directly attributed to negligent acts

Product Liability

If you sell, supply or deliver goods, even in the form of repair or service, you may need cover against claims of goods causing injury or damage.

Commercial General Liability Insurance

The insurance company also covers compensatory and general damages. General liability insurance policies always state a maximum amount that the insurer will pay during the policy period.

Director’s & Officers Liability Insurance (D&O)

Directors' and officers' liability insurance (D&O) offers your individual directors and officers the protection and security they need from suits arising out of wrongful acts committed or allegedly committed in their capacity

Employment Practices Liability Insurance (EPLI)

As the name suggests, it provides protection for an employer against claims made by employees, former employees, or potential employees. It covers many kinds of employee lawsuits, including claims of:

  • Sexual harassment
  • Discrimination
  • Wrongful termination
  • Breach of employment contract
  • Negligent evaluation
  • Wrongful discipline
  • Deprivation of career opportunity
  • Wrongful infliction of emotional distress
  • Employers can protect themselves from these and other types of employment claims by securing EPLI coverage.

Clinical Trials Liability Insurance

Clinical trials liability insurance can help protect pharmaceutical companies from some of the expenses associated with a liability lawsuit. But companies with poor risk management practices may experience difficulty obtaining such insurance, and/or may have to pay more for less protection.

Crime Insurance

Commercial Crime policies are now becoming increasingly popular amongst the Industry in view of 2 fold requirements – contractually imposed Insurance requirements by customers and the high cost and probability of indemnifying customers for consequential claims / losses. Crime policies provides

  • Employee Theft Coverage
  • Premises Coverage
  • Transit Coverage
  • Depositor’s Forgery Coverage
  • Computer Fraud Coverage
  • Third Party Crime or Employee Dishonesty Cover

Any business employer needs to be concerned with Employee Dishonesty or any business handling cash or securities needs protection from robbery or theft will need Fidelity/Crime Insurance.

Weather Insurance

• Once thought of as solely for outdoor events, weather insurance now is used by every type of business – power generating units, manufacturers, retailers, construction and most other industries to minimize the financial impact of weather on their operations. The entertainment industry is still the most frequent purchaser of weather insurance, since fair, festival and concert organizers/ promoters have a limited opportunity for their events and need protection against the most uncontrollable aspect, the weather.

Kidnap, Ransom & Extortion Insurance

Kidnap & Ransom cover can help ease the financial burden and resolve issues smoothly. Kidnap and Ransom insurance provides assistance to the family and business with regard to independent investigations, negotiations, arrangement and delivery of funds, and numerous other services vital to a safe, speedy and satisfactory resolution. Extortion Insurance will help you manage the costs associated with an extortion threat against your products, proprietary information, computer system or your people – these costs can be enough to push a small to medium-sized company to its financial limits. Consequently, adequate protection against these events in the form of specialist advice and the safety net of an insurance policy has quickly become essential for vulnerable families and an integral part of every company’s risk management portfolio. The specific policy details may be tailored to meet specific needs. Access to a specialist crisis management company is a key benefit under the policy.

Aviation Insurance

The total premium is always made up of two primary components: the hull premium and the liability premium. Aviation insurance is mandatory, and without insurance no aircraft will ever take off. Most airlines arrange "fleet policies" to cover all aircraft they own or operate.