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WHAT ARE THE INSURANCE POLICIES THAT COVER PROPERTY?
Insurance policies like Standard Fire & Special Perils Policy, Marine (Cargo), Marine (Hull), Engineering and Burglary Insurance policies cover various types of properties.

WHAT KIND OF PROPERTIES CAN BE COVERED UNDER STANDARD FIRE & SPECIAL PERILS POLICY?
Building, Machinery & Equipment, Furniture, fixture & fittings and Stocks.

WHAT TYPES OF RISKS ARE COVERED UNDER FIRE POLICY?
Fire, Lightning, Explosion/Implosion, Aircraft Damage, Storm, Cyclone, Riot, Strike, Malicious Damage, Impact Damage, Subsidence, Land Slide, Missile Testing Operation, Bush Fire etc.

WHAT IS MARINE (CARGO) INSURANCE?
The insurance of goods in transit from one place to another by any single mode or combined modes of sea, rail, road, air and inland waterways.

WHAT IS COVERED UNDER MARINE (HULL) INSURANCE?
It covers loss/damage suffered to a ship and machinery of vessel.

WHAT TYPES OF COVER ARE AVAILABLE FOR INDUSTRIES AND CIVIL CONSTRUCTION?
Two broad groups of Engineering polices are available for industries

Construction Phase
Contractor's All Risk Insurance, Erection All Risk Insurance, Marine-Cum-Erection Insurance, Contracts Works Insurance and Delay in start-up Insurance.

Operational Phase
Machinery Breakdown Insurance, Boiler & Pressure Plant Insurance, Machinery Loss of Profit Insurance, Contractor’s Plant and Machinery Insurance, Civil Engineering Completed Risk, Electronic Equipment and Deterioration of Stock Insurance.

WHAT DOES BURGLARY INSURANCE COVER?
Burglary insurance covers theft of property after actual forcible and violent entry or exit.

WHICH POLICY IS BEST SUITED TO COVER HOUSEHOLDS?
The Domestic Insurance Policy is the best suited as it covers most of the risks faced by a household.


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