Power and Energy

The Power and Energy sector is generally defined as a capital-intensive industry due to a long incubation period with an adverse risk profile. Financial investments in Power and Energy projects are substantially huge and therefore, there is an inherent need for considerably reducing risk exposure through the design and implementation of a comprehensive insurance plan that suits the specific need of a particular project or operational activity.

Generic Requirements :
Risk Mitigation Consulting, Project Monitoring, Property Insurance, Construction Insurance, Casualty Insurance, Directors and Officers Liability, Design Defect Insurance, Delay in Start-up and Advance Loss of Profit (ALOP), Credit Insurance.

Construction & Infrastructure

In the last decade, the real estate sector has experienced a tremendous surge resulting in a boom in the infrastructure and construction industry across the country, powering India’s growth. However, the construction industry involves complex processes and activities, which comes with its own risk and unexpected challenges. We understand the varied and complex risk exposure that the Construction and Infrastructure industry brings with it and offers analytical and comprehensive insurance solutions with competitive pricing.

Generic Requirements :
Special Contingency Plans, Credit Insurance and Political Risks, Comprehensive Crime Cover, Directors and Officers Liability, Professional Indemnity, Employee Benefit Programs, Delay in Start-up and Advance Loss Of Profit (ALOP), Credit Insurance, Surety Bonds and Cyber Crime Insurance.

Manufacturing

Our expert risk management team along with our qualified engineers in Manufacturing industries provide the necessary technical support in evaluating open exposures, risk mitigation and executing risk management tools to minimize risks. We ensure that the coverage, pricing structure and service delivery is customized to suit the specific requirements of individual clients.

Generic Requirements :
Standard Fire and Allied Perils and LOP, Boiler and Pressure Plant Insurance, Machinery Breakdown and Machinery Breakdown LOP, Industrial All Risk, Marine Insurance, Liability Insurance, Motor Insurance, Credit Insurance, Travel Insurance, Employee Benefit Programs and Credit Insurance.

Elite Networth Individuals

In recent times, the percentage of High Networth Individuals in India has gone up, owing to a surge in business opportunities and foreign investments along with new-age digitalization leading to a tectonic shift in the wealth management industry. However, with the rise of HNIs, there is now even more of a need than ever to manage the intricate, emerging risks of successful individuals and families.

The ENI services for High Networth and affluent individuals is a special, sophisticated and personalized service with an objective for de-risking the lives, lifestyles, heirlooms and signature assets of an individual, their family and their businesses.

Generic Requirements :
● Home Coverage for your home and other structures on your property in the event of a total loss.
● Art, Exotic Sculptures & Artifacts – Obtain precise coverage for fine art, wine, jewellery, antiques and other collectibles.
● Private Jets, Yachts & Water Crafts – Get comprehensive insurance for super yachts, small boats and everything in between.
● Kidnap & Ransom Coverage – Coverage for monies paid to kidnappers or extortionists, loss of ransom in transit, and other expenses incurred as the result of a kidnapping.
● Year Long Travel Policy – Covering global multiple destinations.
● Collateral Protection Coverage/ Key Person Insurance – Insuring you against outstanding liabilities and Protecting the company’s valuation in case of death of a key person. Automobile and Vintage Car.
● World Wide Health Cover – Options to have planned surgeries abroad.

Health and Personal Accident

The nation’s changing economic scenario and progression to one of the world’s top economies has necessitated and highlighted the need for a Healthy citizen fraternity. Health Insurance effectively serves as a means to this end.

● Financial Protection Against Medical Emergencies – Shields individuals and families from unplanned high out-of-pocket expenses during hospitalization, surgeries, or treatments.
● Rising Healthcare Costs – With medical inflation surging annually, insurance helps manage the burden of expensive treatments, especially in private hospitals.
● Access to Quality Healthcare – Enables treatment at reputed hospitals through cashless facilities, ensuring timely and quality care without financial delays.
● Coverage for Critical Illnesses – Many plans include coverage for life-threatening conditions like cancer, heart disease, and kidney failure, offering lump-sum payouts or comprehensive treatment support.
● Peace of Mind and Mental Well-being – Reduces stress during health crises by ensuring financial readiness and access to care when needed most.
● Protection of Savings and Assets -Prevents erosion of savings or the need to liquidate assets to cover medical bills, preserving long-term financial goals.
● Foundation of Financial Planning – Acts as a safety net that supports other financial decisions like investments, retirement planning, and education funding.
● We at PolicyKavach endeavour to facilitate the penetration and distribution of Health and Personal Accident insurance protection through our Team and network of POSPs. Our initiative embodies all the aspects which go into suggesting an appropriate and cost effective coverage, after analysing the client needs, aptly supported with assistance in claims and renewals with review.

Others

• Liability Insurance
• Jewellers Block Insurance
• Exhibition and Event Insurance
• Directors and Officers Liability
• Diamond Processing Insurance
• Credit Insurance