general insurance
Overview
General Insurance
General insurance or non-life insurance policies, including automobile and homeowners policies, provide payments depending on the loss from a particular financial event. General insurance is typically defined as any insurance that is not determined to be life insurance.
Zeker Insurance is broadly involved in the following Classes of Business:
Motor Insurance
In order to keep moving ahead without any risks, it is essential that all your vehicles are insured. It safeguards you against various risks such as damage caused by third party, natural calamities, personal accident and other liabilities based on the featured opted for in your policy.
We undertake the insurance of the following automobiles:
- Two Wheeler.
- Private Car
- Commercial Vehicles(Goods & Passenger)
- Special types of Vehicle
- Miscellaneous Types Vehicle
Fire & Property Insurance
Fire Insurance policy provides compensation to the insured person or firm in the event of damage to the property insured (i.e. buildings, stock, machinery and other contents) caused by fire, lightning.
Coverage
The insurance policy broadly covers losses due to: Fire, Lightning and Explosion (due to domestic boiler only).
Enginnering Insurance
This Insurance has been developed to grant industry effective insurance provides cover against unforeseen and sudden physical loss of or damage to Electronic Equipment necessitating their repair or replacements which generally have only low to moderate power requirement.
Risk Covered
The most important causes of loss or damage indemnifiable under this insurance are short circuit and other electrical causes, fire, lightening, explosion, negligence, lack of skill and Burglary.
Business Interruption Insurance
Business when interrupted due to any unforeseen reasons such as machinery breakdown, fire, loss etc can wreck havoc on not only the profit and loss of the business but also its image and goodwill. Therefore it is essential for businesses to be covered against any interruptions that may arise due to unforeseen issues.
We provide the following Business interruption insurances:
- Fire Loss of Profit Insurance
- Advance Loss of Profit Insurance
- Machinery Breakdown Loss of Profit Insurance
- Exhibitors Loss of Profit Insurance
Marine Insurance
Our wide range of marine cargo insurances covers you from troubled waters across the world. Your cargo can be damaged due to multiple reasons ranging from weather , accidents, error in navigation, thefts, pilferage to natural calamities and piracy. Therefore it is absolutely mandatory to insure against all the odds as the cargo as well as it contents are of extremely high value.
We provide an insurance in every area the Marine segment:
- Marine Cargo Insurance
- Marine Hull Insurance
- Marine Stock Through Put Insurance
- Marine Sales Turnover Insurance
- Multi-Modal Transport Operators Insurance
Liability Insurance
With an in depth knowledge in the industry we completely comprehend the requirements of our clients and the liability insurance across various sectors of the market be it for products or services. Our rich expertise cuts across financial and casualty lines
We offer the following products:
- Directors & Officer Insurance
- Product Liability Insurance
- Pollution Legal Liability Insurance
- Professional Indemnity Insurance
- Public Liability Act Insurance
- Commercial General Liability (CGL) Insurance
- Carriers Legal Liability Insurance
Special Type Insurance
Our special type insurance is very industry specific and is carefully formulated to cater to specific areas such as cyber crime, art, stock broker indemnity and other special contingencies
We offer the following products:
Employee Benefits Insurance
Employees are the backbone to any organization. Legally there is a requirement to ensure employees are protected against all unlikely circumstances and any work hazards, In order to ensure your employees wellbeing and your organization’s compliance.
we have a wide array of employee benefit insurance:
- Key Man Insurance
- Employer – Employee Group
- Term Insurance
- Super Annulation
- Group Gratuity
- Group Mediclaim
- Group Personal Accident
- Workmen Compensation
Rural Insurance
Rural areas are the food bowl of our country. Keeping them protected and extending financial aid during dire situation is key for the entire nation’s well being. We extend our services to rural areas too in order to keep agriculturist and animal husbandry industries, no matter how big or small they are, protected against all losses.
We offer the following products:
- Cattle Insurance
- Poultry Insurance
- Crop Insurance
Business Insurance
Businesses are open to many risk factors these days as they have become immensely complex and competitive . General liability insurance covers legal hassles due to accident, injuries and claims due to negligence. It protects for various settlements. Product insurances safeguard agains any losses due to product manufacturing. Professional insurance helps to cover losses against any malpractice or errors or negligence. Commercial property insurance protects against every kind of loss or damage to the business premises. There are multiple aspects of a business that can be at risk and require one or more insurances to cover these risks.
We offer the following products:
- General Business insurance
- Product Insurance
- Professional Business Insurance
- Commercial Property Insurance
Miscellaneous Insurance
Apart from the above mentioned we have a wide range of various insurances to cater to every need of our customers. We ensure that every aspect of their need is covered in order to provide them the secured feeling.
Few of the miscellaneous insurances we provide are:
- Burglary & House Breaking Insurance
- Money Insurance
- All risk Insurance
- Fidelity Guarantee insurance
- Trade Credit Insurance
- Banker Indemnity and Jewellers Block Insurance
- Overseas Travel Insurance
- Package Policy Insurance (HHI/SKI)
- Sports Insurance
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