Machinery
Breakdown

This policy covers sudden and accidental physical damage to machinery caused by mechanical or electrical failure. It is designed to protect businesses from financial loss when essential equipment breaks down unexpectedly.

Loss Of Profits Following Machinery Breakdown

Covers loss of income when machinery breakdown causes stoppage or reduction in production. Protection applies for the agreed business interruption indemnity period, covering the time needed to repair or replace the damaged machine, including final commissioning, and resume normal operations.

Deterioration Of Stock In Cold Storage(DOS)

The policy covers financial loss caused when goods stored in refrigerated or temperature -controlled environments spoil due to failure of the refrigeration system as a result of machinery or electrical breakdown. It is typically purchased with Machinery Breakdown insurance because refrigeration failure is usually caused by breakdown of compressors, chillers, condensers etc

Contractors All Risks

This policy offers comprehensive and adequate protection against loss or damage in respect of the contract works, materials, construction plant and equipment at the project site, and third-party claims in respect of property damage or bodily injury arising in connection with the execution of a building / civil project.

Erection All Risks

This is a comprehensive policy designed for erection, installation, and commissioning of plant, machinery and equipment. It protects projects involving mechanical, electrical, and electro-mechanical installations.

Civil Engineering Completed Risks Insurance (CECR)

This insurance covers civil engineering structures after they have been completed and put into use, protecting them against accidental damage from external causes. It is essentially the post-construction protection for major civil infrastructure.

Electronic equipment

This policy covers sudden and unforeseen physical loss or damage to any electronic data processing equipment and its ancillary which includes computers, servers, laptops, PABX.

Plants All Risks

This policy provides cover for unforeseen and accidental physical loss or damage to plant due to external causes. Main hazards include fortuitous working accidents, fire, burglary, overturning, collision, natural perils such as flood and storm.