Our Insurance Services
We offer policies from both National Insurance Company Limited (PSU) and ICICI Lombard (Private), covering nearly everything an individual, family or business in Delhi NCR might need, including surety bonds. Explore each category below, or get in touch and tell us your requirement.
Motor Insurance (OD & TP)
Covering cars, bikes and commercial vehicles with both Own Damage (OD) and Third Party (TP) protection.
- OD covers damage to your own vehicle from accidents, theft, fire and natural disasters
- TP is legally mandatory in India and covers damage or injury you cause to others
- We help with claims after accidents too, not just the paperwork at purchase
Who needs it: Every vehicle owner — private car, two-wheeler or commercial fleet.
Health Insurance — Individual & Group
Protect yourself, your family or your employees against rising medical costs.
- Individual and family floater plans covering hospitalization, surgeries and critical illness
- Group health insurance for businesses covering their employees
- Guidance on choosing adequate cover, not just the cheapest premium
Who needs it: Families wanting protection against medical emergencies, and businesses wanting to cover staff.
Personal Accident Insurance — Individual & Group
Financial protection in case of accidental death, disability or injury — separate from health insurance, and often overlooked.
- Individual cover for self-employed professionals, salaried individuals or homemakers
- Group cover for businesses protecting their workforce
Who needs it: Anyone without employer-provided accident cover, and businesses with field staff, drivers or factory workers.
Fire Insurance
Covers loss or damage to property — home, shop, warehouse or factory — due to fire and allied perils such as explosion, lightning or storm damage.
- Standard Fire and Special Perils (SFSP) policies for homes and businesses
- Especially important for shop owners and small manufacturers in commercial belts
Who needs it: Homeowners, shopkeepers, and factory or warehouse owners.
Marine Cargo Insurance
Protects goods in transit — by sea, air, road or rail — against loss or damage during shipping.
- Covers import/export cargo as well as inland transit within India
- Useful for local traders and small exporters moving goods regularly
Who needs it: Businesses that import, export or regularly transport goods.
Employee Compensation / Workmen Compensation Insurance
Covers an employer’s legal liability to pay compensation if an employee is injured, disabled or dies due to a work-related accident.
- Often legally required depending on the nature of the business
- Covers factory workers, contractors and other on-site staff
Who needs it: Any business with manual or on-site workers — factories, contractors, warehouses.
Engineering Insurance
Covers construction projects and machinery against risks specific to engineering and industrial work.
- Contractor’s All Risk (CAR) and Erection All Risk (EAR) policies for construction and installation projects
- Machinery breakdown insurance for factories and industrial equipment
Who needs it: Contractors, builders, and factory or plant owners.
Liability Insurance
Protects businesses and professionals against legal claims for damage, injury or negligence caused to third parties.
- Public liability, product liability and professional indemnity options
- Increasingly important as businesses face more legal exposure
Who needs it: Shop and business owners, manufacturers, and professionals offering services or advice.
Surety Bonds
A surety bond is a guarantee that a contractor or business will fulfil its contractual obligations, issued by an insurer in place of a bank guarantee or cash deposit.
- Bid bonds, performance bonds, advance payment bonds and retention money bonds for contracts and tenders
- Helps contractors and suppliers meet project requirements without tying up cash or bank limits
- We guide you on the documents and the right bond for your contract
Who needs it: Contractors, suppliers and businesses bidding for or executing government, PSU or private contracts.
Miscellaneous Insurance
Covers specific risks that don’t fall under standard categories — including burglary, cash-in-transit and jewellers’ block insurance.
- Tailored cover for specific business risks not addressed elsewhere
Who needs it: Businesses with unique risks — jewellers, retailers handling cash, and similar.
Not Sure Which Policy Fits Your Situation?
That’s exactly what we’re here for. Get a free quote or WhatsApp us at 9958127274 and we’ll walk you through your options across both insurers.