Insurance Advisory & Risk Solutions
Complete risk protection for Individuals, Families, Professionals, Textile & Diamond Business Owners, Builders, Contractors, and Corporates.
Life Insurance
Protect your family’s financial future with suitable Life Insurance solutions.
Term Insurance
High life cover at comparatively affordable premiums.
- High sum assured at pocket-friendly premiums
- Optional Critical Illness & Accidental Disability riders
- Return of Premium (TROP) options available
Whole Life Insurance
Lifelong financial security up to 99 or 100 years of age.
- Coverage extends up to 99 or 100 years of age
- Guaranteed survival bonuses or accumulated cash values
- Loan facility available against policy cash value
Endowment Plans
Guaranteed savings coupled with life risk protection.
- Dual benefit of guaranteed returns and life protection
- Regular reversionary bonuses and terminal bonuses
- Disciplined long-term wealth accumulation
Money Back Plans
Periodic liquidity payouts throughout the policy tenure.
- Regular cash payouts (e.g. 15-20% of sum assured every 3-5 years)
- 100% life cover continues irrespective of survival payouts received
- Terminal bonus paid upon policy maturity
Child Insurance & Child Future Planning
Guaranteed financial backing for your child's education and marriage.
- Waiver of Premium (WOP) ensures policy continues even if parent passes away
- Targeted payouts mapped to child reaching 18, 21, and 24 years
- Equity and debt fund allocation choices
Retirement / Pension Plans
Guaranteed lifelong regular pension and financial freedom post-retirement.
- Accumulation phase builds substantial retirement nest egg
- Guaranteed lifelong annuity (pension) options
- Joint-life pension options to support spouse
Savings & Protection Plans
Balanced growth and reliable family coverage in a single plan.
- Flexible premium payment terms (5, 7, 10, or 12 years)
- Guaranteed income benefit options post premium term
- Life stage upgrade options upon marriage and childbirth
ULIP – Unit Linked Insurance Plans
Market-linked wealth growth combined with life insurance cover.
- Choice of Large-cap, Mid-cap, Multi-cap equity and Debt funds
- Unlimited free fund switching to capitalize on market opportunities
- Return of mortality charges upon maturity in modern ULIPs
Group Life Insurance
Affordable blanket life cover for corporate and institutional teams.
- Uniform or graded coverage based on employee hierarchy
- No individual medical tests required up to Free Cover Limit (FCL)
- Tax benefits for employer as business operational expense
Group Term Insurance
High-volume term cover for staff members at nominal corporate rates.
- Low cost per employee with annual renewal flexibility
- Enhances employer brand value and retention
- Simple onboarding with digital roster management
Key Person Insurance
Protecting company valuation and continuity against loss of key executives.
- Compensates company for profit losses and costs of finding a successor
- Reassures lenders, investors, and creditors during transition
- Premiums treated as deductible business expenditure
Employee Life Insurance
Structured employee benefit programs tailored for modern workforces.
- Boosts employee morale and talent attraction
- Customizable coverage bands according to job roles
- Seamless claim processing directly coordinated with HR
Business Continuity Protection
Buy-sell agreements and partnership debt protection.
- Prevents unwanted external interference in company management
- Provides fair and prompt cash settlement to the deceased partner's family
- Maintains operational continuity and banking lines
Health Insurance
Protect yourself and your family against unexpected medical and hospitalisation expenses.
Individual Health Insurance
Dedicated medical sum insured for individual policyholders.
- Zero room rent restrictions & no copay options
- Cashless hospitalisation across India
- Covers 60 days pre and 180 days post hospitalisation bills
Family Floater Health Insurance
Single comprehensive policy covering spouse, children, and parents.
- Single premium covers self, spouse, and up to 4 children
- Automatic restoration of sum insured if exhausted in a year
- Free annual health checkup for all adult members
Senior Citizen Health Insurance
Specialized healthcare plans designed for parents aged 60+.
- Covers pre-existing conditions after shorter waiting periods
- In-home medical care and AYUSH treatment covered
- Dedicated priority claim desks for elderly patients
Group & Corporate Health Insurance
Customized employee medical coverage with day-1 pre-existing coverage.
- Day 1 coverage for pre-existing diseases & maternity
- No medical checkups required for enrolled staff
- Digital health cards & cashless hospitalization concierge
Critical Illness Insurance
Lump-sum payout upon diagnosis of 30+ major critical illnesses.
- Covers 30 to 64 major critical illnesses
- Full lump-sum payout to manage living costs and global treatments
- Can be paired alongside existing standard health insurance
Super Top-Up & Top-Up Health Insurance
Skyrocket your cover up to ₹1 Crore at minimal fraction of regular cost.
- High sum insured (₹25L to ₹1 Crore) at nominal premiums
- Super Top-up aggregates all hospital claims within a single policy year
- Works seamlessly over your existing corporate or base personal policy
Personal Accident Insurance
Financial shield against accidental death, disability, and income loss.
- 100% lump-sum payout for accidental demise or total disability
- Weekly income replacement during temporary disability recuperation
- Covers child education grant and emergency transportation expenses
Maternity & Disease-Specific Plans
Targeted coverage for delivery, newborn care, diabetes, or cardiac care.
- Normal & C-section delivery hospital expenses covered
- Newborn baby cover from Day 1 including mandatory vaccinations
- Disease-specific plans with reduced waiting periods for chronic ailments
Overseas / International Health Insurance
Global cashless hospitalization across top medical centers worldwide.
- Global cashless access at premier international healthcare institutions
- Medical evacuation and repatriation cover
- Second medical opinion from world-leading doctors
Motor Insurance
Comprehensive and third-party protection for cars, bikes, and commercial fleets.
Car Insurance (Comprehensive & OD)
End-to-end protection for private four-wheelers.
- Zero Depreciation (Bumper to Bumper) cover
- Engine & Gearbox Protection against water ingression & oil leaks
- Return to Invoice (RTI) payouts in case of total loss or theft
Two-Wheeler Insurance (Bike & Scooter)
Affordable and swift cover for motorcycles, scooters, and EV bikes.
- Comprehensive and mandatory Third-Party only plans
- Zero depreciation cover for two-wheelers up to 5 years old
- Personal accident cover for owner-rider
Commercial Vehicle Insurance (Truck, Tempo, Taxi, Bus)
Fleet & commercial transport protection for logistics and passenger vehicles.
- Covers Trucks, Tempos, Pickups, Taxis, Buses, and Heavy Commercial Vehicles
- Third-party property damage and bodily injury liability coverage
- Driver and conductor legal liability coverage
Property & Asset Insurance
Protect your valuable residential, commercial, and industrial property against unforeseen perils.
Home Insurance (Building & Contents)
Complete shield for residential structure and home contents.
- Covers building structure against fire, earthquake, flood, explosion
- Protection for electronics, luxury furniture, and home appliances
- Burglary and theft coverage for household goods and jewelry
Shop & Office Insurance
Package policies for retail outlets, showrooms, and commercial offices.
- Covers showroom stock, fixtures, fittings, and glass facade
- Money in transit & money in safe burglary coverage
- Electronic equipment breakdown (computers, servers, POS machines)
Factory & Warehouse Insurance (Fire & Burglary)
Heavy-duty risk underwriting for industrial facilities and godowns.
- Covers factory shed, boundary walls, raw materials, and finished goods
- Machinery breakdown and business interruption (loss of profit) add-ons
- Protection against spontaneous combustion, storm, tempest, flood, and fire
Electronic Equipment Insurance (EEI)
Protection against sudden electrical, mechanical, and external damage.
- Covers microprocessors, servers, diagnostic machines, and office tech
- Protection against voltage surges, operator negligence, and short circuits
- Reinstatement value basis settlement
Business & Corporate Insurance
Comprehensive risk management solutions for MSMEs, large enterprises, and industries.
Business & SME Insurance Package
Single comprehensive umbrella policy for small and medium enterprises.
- Customizable coverage tailored to business sector
- Covers business interruption and fixed overhead costs during shutdown
- Money insurance, fidelity guarantee, and plate glass covers
Machinery Breakdown Insurance (MBD)
Coverage for unexpected mechanical and electrical breakdown of industrial machines.
- Covers cost of replacement parts and expert repair labor
- Protection against faulty material, design flaws, and operator error
- Can be combined with Loss of Profits following machinery breakdown (MLOP)
Business Interruption & Loss of Profit Insurance
Protects ongoing business profits and fixed overheads after insured damage.
- Covers standing charges (salaries, taxes, bank interest)
- Pays net profit that would have been earned without disruption
- Covers increased cost of working in temporary premises
Money & Fidelity Guarantee Insurance
Safeguards against cash transit robbery and employee dishonesty or embezzlement.
- Money in transit from bank to office / clients
- Money in locked safe or cash counter overnight
- Fidelity guarantee covering fraudulent acts of accountants and cashiers
Marine & Transit Insurance
Protection for goods and cargo during transportation by sea, air, rail, and road.
Marine Cargo Insurance (Import & Export)
International transit protection conforming to Institute Cargo Clauses (ICC A, B, C).
- Institute Cargo Clauses (A, B, C) coverage options
- Door-to-door transit coverage from overseas seller to Surat godown
- Customizable war and strike perils add-on
Inland Transit & Road Transport Insurance
Domestic goods-in-transit cover by truck, tempo, or rail.
- Covers goods moving by registered road transport / rail
- Single transit policies or Annual Open Cover (AOC) policies
- Loading and unloading damage coverage options
Stock Transit & Courier Insurance
Specialized transit cover for high-value parcels and courier movements.
- Covers valuable parcels sent via authorized logistics & courier partners
- All-risk coverage from pickup to final recipient signature
- Quick dispute and lost parcel claim resolution
Contractor & Project Insurance
Insurance solutions for construction, civil infrastructure, and engineering projects.
Contractor All Risk (CAR) Insurance
All-inclusive coverage for civil building and infrastructure construction projects.
- Covers civil construction of residential high-rises, commercial hubs, bridges, roads
- Protection against natural calamities, collapse, fire, and structural failures
- Third-party liability covering adjacent property damage or passerby injury
Erection All Risk (EAR) Insurance
Specialized coverage for machinery installation and plant commissioning.
- Covers installation of textile plants, power generation units, chemical reactors
- Includes cold and hot testing phase risk cover
- Covers manufacturer's specialists and contractor's personnel liability
Contractors Plant & Machinery (CPM)
Insurance for excavators, cranes, transit mixers, and earthmoving gear.
- Covers JCBs, cranes, piling rigs, concrete batching plants, generators
- Protection while working on active construction sites or at rest
- Clearance of debris and third-party property damage add-ons
Workmen Compensation (WC) Insurance
Mandatory statutory protection for construction and factory laborers.
- Statutory compliance under Employee's Compensation Act, 1923
- Covers medical expenses, disability compensation, and fatal accident payouts
- Covers direct payroll workers as well as sub-contracted labor
Liability Insurance
Protection against legal defence costs, statutory liabilities, and third-party damages.
Directors & Officers (D&O) Liability
Protects personal assets of board members and key executives.
- Covers legal defense costs and settlement compensations
- Protects personal wealth and assets of board members
- Worldwide coverage including foreign jurisdiction lawsuits
Professional Indemnity (Doctors, CAs, Lawyers, Architects)
Legal protection against professional malpractice and negligence allegations.
- Covers legal defense expenses and court-awarded compensation
- Specialized policies for Medical Practitioners (Doctors, Hospitals)
- Errors & Omissions (E&O) coverage for IT software developers and CAs
Public & Commercial General Liability (CGL)
Shields your business against third-party bodily injury and property damage.
- Covers third-party bodily injury and accidental property damage on premises
- Product liability add-ons for manufactured goods causing consumer harm
- Essential for international export contracts and vendor compliances
Cyber Liability Insurance
Financial safety against ransomware, data breaches, and cyber fraud.
- Covers data breach notification and forensic audit costs
- Ransomware extortion mitigation and business interruption losses
- Third-party privacy liability and regulatory GDPR / DPDP fines defense
Travel Insurance
Comprehensive protection for domestic and international journeys, student travel, and business trips.
International & Schengen Travel Insurance
Mandatory visa-compliant travel medical insurance for worldwide trips.
- 100% compliant with Schengen visa minimum €30,000 medical cover
- Cashless hospital admissions worldwide with 24/7 global helpline
- Covers baggage delay/loss, trip interruptions, and passport reissuance
Student Overseas Travel & Health Insurance
Custom-tailored plans for students pursuing higher studies abroad.
- University waiver compliant (covers pre-existing illnesses & mental health)
- Covers study interruption, sponsor protection, and compassionate visit
- Bail bond and dental/vision emergency care add-ons
Senior Citizen & Domestic Travel Insurance
Worry-free domestic tours and specialized medical covers for elderly travelers.
- Covers travelers up to 85+ years with minimal medical tests
- Emergency medical evacuation and ambulance transport
- Domestic air and train transit accident and luggage protection
Specialised Insurance
Tailored micro-insurance, rural, pet, agriculture, event, and credit protection.
Trade Credit Insurance
Protects your accounts receivable against buyer bankruptcy and payment default.
- Covers commercial insolvency of domestic and international buyers
- Protects balance sheet liquidity and working capital cash flows
- Helps secure better bank financing against insured debtors
Event & Exhibition Insurance
Coverage for weddings, trade expos, sports tournaments, and concerts.
- Covers wedding cancellations, diamond/textile trade expo postponements
- Public liability for attendees and sound/lighting equipment damage
- Money and cash counter insurance on venue
Pet, Agriculture & Rural Micro Insurance
Comprehensive veterinary care for pets and rural agriculture risk safety.
- Pet surgery, accidental injury, and third-party bite liability
- Pradhan Mantri Fasal Bima Yojana (PMFBY) & weather-based crop cover
- Affordable rural micro-insurance packages
Need Immediate Hospital Claim Assistance?
Our Surat desk works 24/7 with local hospital TPAs for cashless verification.