Takaful Fire & General Accident Insurance:

  We provide the following products under two categories:

Personal Lines

Fire Insurance

Burglary Insurance [This policy can be issued along with Fire/PAR Policy].

Householders Comprehensive Insurance

Personal Accident Insurance

Plate Glass Insurance [This policy can be issued along with Fire/PAR Policy].

Commercial Lines

Property All Risks Insurance

Consequential Loss Insurance (Loss of Profit). [This policy can be issued along with Fire/PAR/MBD

  Policy]

Contractor’s All Risks Insurance

Erection All Risks Insurance

Machinery Breakdown Insurance

Contractor’s Plant & Machinery. [This policy can be issued along with CAR/EAR Policy].

Electronic Equipment Insurance / Computer

Deterioration of Stocks Insurance. [This policy can be issued along with MBD Policy].

Boiler’s Insurance. [This policy can be issued along with MBD Policy].

Workmen’s Compensation Insurance. [This policy can be issued along with Fire/PAR/EAR/CAR

  Policy].

Employer’s Liability Insurance [This policy can be issued along with WC Policy].

Third Party Liability Insurance [This policy can be issued along with Fire/PAR/EAR/CAR Policy].

Fidelity Guarantee

Money Insurance

Bankers Blanket Insurance (a comprehensive insurance exclusively for Bankers)

Fire & Allied Perils:

  Loss or damage to the property consisting of building,contents, plant and machinery,equipments ,

  Stocks,furniture,fixtutes and the like are covered against Fire,Bulgary,Lighting,Explosion,Riot ,

  Strike,Civil Commotion,Storm,Flood,Bursting or Overflowing of Water Tanks or Pipes,Earth

  quakes etc . including Loss of Profits.

Burglary:

  This covers the Contributor property and contents against forced robbery or theft due to violent and

  forcible means.

Householder's Comprehensive Insurance:

  This policy covers damage to the Contributor household properties and contents in dwellings caused

  by Fire,Theft, Water damage and other allied perils.

Personal Accident:

  This policy covers Death/Disability of Individuals or Groups due to accident. The salient features of the

  coverage are 24 Hours Worldwide and medical expenses incurred as a result of accident

  are reimbursed.

Plate Glass:

  his policy is meant for any breakage of Glass in the premises specified in the Schedule. The

  Company will pay or make good to the contributor the intrinsic value of glass together with

  the cost of any necessary boarding up pending replacement subject to the limits of value.

Property All Risks:

  The cover offered is wider than the Fire & Allied Perils for the property& contents against acci

  dental loss or damage other than those specifically excluded in the policy.

Consequential Loss Insurance :

  This policy covers the loss of profits of the contributor immediately after a loss or damage to

  his business due to an insured peril.This policy can be issued along with a Fire policy or Mac

  hinery Breakdown Insurance Policy only.

Contractor's All Risks:

  This policy covers loss or damage to contract works, construction plant and equipment and/or

  construction machinery where major portion of works does not relate to erection or installation

  of any plant and machinery.  Cover available under this insurance consists of two sections.

  Section-I covers sudden and unforeseen  physical  loss or damage to the Contract Works and

  Section-II covers Legal Liability to Third Parties (Bodily  Injury and Property damage).

Erection All Risks:

  This policy covers loss or damage to contract works, construction plant and equipment or mac

  hinery.This insurance is designed to insure Engineering works where major portion of the

  work relates to erection or installation of any plant or machinery. An additional inbuilt cover of

  4 weeks testing period is available under  Section I of the Policy.

Computer All Risks Insurance:

 This policy is issued exclusively for computers, servers etc against material damage, data media

 and  increased cost of working.

Machinery Breakdown Insurance:

 This policy covers sudden and unforeseen physical loss or damage to machineries from causes such

 as defects in casting and material, design faults at workshop or in erection, bad workmanship and

 the like from any other cause other than those specifically excluded by the policy.

Contractor’s Plant and Machinery:

 This policy covers plant, machinery, Cranes, Equipments which is ideally suitable for Contractor's who

 use their plant and  equipment  on-site or at client's premises against all risks other than those

 specifically excluded by the Policy.

Electronic Equipment Insurance:

 This insurance is specifically designed to over accidental loss or damage to electronic equipment like

 computers, telecom equipment and the like against sudden and unforeseen physical loss or damage

 from causes other than those specifically excluded by the policy.

Deterioration of Stocks Insurance:

 This policy is specifically issued to cover the loss or damage to stocks in cold stores and it is issued

 along with Machinery  Breakdown Insurance only.

Boiler’s Insurance:

 This policy covers loss or damage to the boilers and pressure vessels and to the surrounding properties

 caused by the bursting of boilers and pressure vessels inside the factory.Third party cover can be

 extended.

Workmen's Compensation:

 This policy covers work-related accidents of the employees in accordance with the prevailing Labor

 Laws. Employer's Liability can be included as an extension.

Employer’s Liability Insurance:

 This policy covers the legal liability of an Employer arising due to any accidental loss or damage

 to their employees whist at duty.Usually, this policy is issued as an extension under the Workmen’s

 Compens ation Policy.

Third Party/Public Liability:

 This Policy covers the Legal Liability of the Contributor to third parties (Personal injury and Property

 Damage) arising out of and in the course of Contributor's business. Products Liability can be

 included as an extension and subject to the exclusions mentioned in the policy.

Fidelity Guarantee:

 This policy covers the infidelity or dishonesty of employee's subject to the exclusions of the policy due

 to act of Forgery or Embezzlement, Larceny and/or fraudulent conversion.

Money:

 This policy covers the money during transit or in safe during and outside the business hours subject

 to the exclusions of the policy.

Banker’s Blanket Insurance:

 This is a comprehensive insurance exclusively for Bankers covering their own office & contents,infidelity

 of employees, Cash-In- Transit, Forgery etc under Section-1 and covering Electronic & Computer Crime

 risks under Section-2: