General Insurance

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GENERAL

INSURANCE-
INDIVIDUAL

Mangla Consulting

Motor Insurance

In India every motor vehicle which runs on road should be insured as per the Motor Vehicle Act. As accidents are growing on roads and the repair costs are going high so it’s really makes sense to buy a comprehensive motor insurance for your car.

Home Insurance

Home is a dream for everybody. So it should be covered from the risk of Fire, Earthquake, Burglary, Theft, Explosion, Implosion, Riots, Lightning, Loss caused by Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood, Inundation etc. & much more.

It’s a package cover which covers not only the building but so many things like:

  • Public Liability
  • Burglary
  • Plate Glass
  • Baggage
  • Audio Visual Appliance
  • Domestic Appliance
  • Personal Accident
  • Medical Expense

Individual Mediclaim

This policy covers hospitalization and domiciliary hospitalization expenses incurred by the Insured (including family members) for illness / disease or accidental injury and shall include hospital charges (room & boarding and operation theatre), fees of surgeon, anesthetist, nurses, cost of medicine, oxygen, blood, cost of appliances like pacemaker, artificial limbs and cost of organs.

Individual Personal Accident

Accident cases have increased drastically. The reason may be anything for the accident we have a solution for some relief so that you’ll get some stability to recover for the work.

  • Compensation in case of Death.
  • Education allowance
  • Repatriation of remains
  • Modification allowance
  • Double Dismemberment benefit for children
  • Family transportation reimbursement up to the place of accident

Overseas Travel Insurance

Whenever one travels abroad one should have a Mediclaim policy which will cover for the medical expenses in that country. Apart from just Mediclaim it’s a package which will provide the following benefits:

  • Loss of Checked Baggage
  • Baggage delay
  • Loss of Passport
  • Personal Liability
  • Trip Delay
  • Automatic-extension of the policy
  • Personal Accident

Group Mediclaim

This policy covers hospitalization and domiciliary hospitalization expenses incurred by the Insured (including family members) for illness / disease or accidental injury and shall include hospital charges (room & boarding and operation theatre), fees of surgeon, anesthetist, nurses, cost of medicine, oxygen, blood, cost of appliances like pacemaker, artificial limbs and cost of organs.

Group Personal Accident

This policy covers the medical expenses, partial disability permanent disability, weekly compensation, loss of limbs etc for the employees of the company, members of some association or body of individuals.

Directors & Officers Liability Insurance

The policy covers Directors, Officers and employees in a managerial or supervisory capacity, for claims made against them in their personal capacity, arising out of their wrongful acts, in their capacity as Director, Officer or employee. The policy reimburses the Company to the extent that the Company has reimbursed the individual insured, in the event of a claim.

Multimedia Professional Liability

The policy is designed to protect advertising agencies, broadcasters, publishers, etc., from personal injury, intellectual property and Errors and Omissions (based on content) exposures. It provides coverage for claims based upon material disseminated by the insured. Coverage includes both personal injury and E & O, where the loss is a result of someone relying on that material.

Broad based cover including risks as diverse as copyright infringement, plagiarism all defamation liabilities as well as liabilities arising from reliance on the information or content disseminated though the media exercised by the insured.

Multimedia includes all Entertainment media and Printing Publishing industry and Advertising agencies.

GENERAL

INSURANCE-
Individual

Mangla Consulting

Fidelity Insurance

The policy indemnifies the insured against the Loss of Money, Securities or other Property resulting directly from Employment Dishonesty, theft of Money, Securities or other Property by Computer Fraud, or the theft of any of the insured’s funds from their transfer account as communicated to such Financial Institution.

The policy also provides for situations where it is not possible to identify the employees perpetrating the fraud.

Electronic Data Processors Errors & Omissions

The policy provides cover for claims arising out of the assured’s provision of computer services, including systems analysis, integration, designing, programming, data processing, consulting on development of EDP systems, performance of feasibility studies, outsourcing EDP Systems i.e. management of a third party’s IT department, marketing, selling, servicing, distributing, installing and maintaining software and training in the use of such software.

A policy specially worded to cover the specific needs of the EDP services provider by including Broad based definitions of EDP services, Claims etc.

Duty to defend cover as compared to the reimbursement cover offered by the other insurers.

Computer Crime

The policy provides cover for financial loss suffered by the assured, arising out of the use of electronic computer programs, electronic data and media, computer virus, electronic and telefacsimile communications, electronic transmissions, electronic securities and voice initiated instructions.

Comprehensive wording provide the widest range of protection from Computer Crime both internal and external to the organization in eight separate Insuring Clauses

One of the very few underwriters worldwide who offer Computer Virus cover as a part of the Standard Wording.

Covers not only direct loss to the Insured but also cover his liability to Financial Institutions, Central depository schemes if they are held liable for acting on fraudulent instructions received from the Insured. Also covers all liability in respect of shares in a dematerialized form.

Specialized Professional Liability Insurance

The policy offers customized errors and omissions coverage, specifically tailored to meet the diverse needs of individuals and corporations engaged in various professions. Coverage includes wrongful professional acts, including negligent acts, errors and omissions, duty to defend, defamation, libel and slander. Loss of documents (and computer system records) up to a predetermined sub-limit, and compensation for court attendance, can also be covered. (Example: lawyers, accountants, management consultants, etc.)

Commercial General Liability (CGL)

It is a complete policy to provide seamless protection to the Insured, and covers Third Party Liabilities arising from various business exposures such as those arising from Premises, Products and Completed operations, advertising and Personal injury and also provides Supplemental payments, thus ensuring complete protection to the insured against Liability issues.

Product Liability

The policy provides comprehensive coverage for commercial businesses. The policy protects the insured against bodily injury or physical damage to property caused from the use of a defective product after it has left the custody or control of the Insured. This coverage includes property that has been designed, specified, formulated, manufactured, constructed, installed, sold, supplied, distributed, treated, serviced, altered, or repaired by or on behalf of the Insured.

Public Liability (Industrial Risks)

The Policy seeks to indemnify the insured for claims arising out of accidents occurring in the Insured Premises during the period of insurance first made in writing against the Insured during the policy period for and/or arising out of Injury and/or damage in connection with the business of the insured specified in the Policy. The policy can be extended to cover legal exposures arising out of Pollution, Act Of God Perils, and Transportation of Hazardous Substances etc.

Public Liability (Non-Industrial Risks)

The Policy seeks to indemnify the insured for claims arising out of accidents occurring in the Insured Premises during the period of insurance first made in writing against the Insured during the policy period for and/or arising out of Injury and/or damage in connection with the business of the insured specified in the Policy. The standard policy can be extended to cover legal exposures arising out of Pollution, Act Of God Perils, etc.

Public Liability Act Policy

The Public Liability Act 1991 aims to provide for Public Liability insurance for the purpose of providing immediate relief to the persons affected by accident while handling any hazardous substances. The Policy seeks to indemnify the insured for claims arising out of accidents occurring in the Insured Premises during the period of insurance for which he is liable to indemnify the claimant under the provisions of the Act.

Workmen's Compensation Insurance

The policy covers the legal liability of the Employer up to an unlimited extent, under The Workmen’s Compensation Act, The Fatal Accidents Act, and at Common Law. This liability devolves statutorily on the Employer if his employee falling under the purview of the definition of “Workman” suffering death, bodily injury (both temporary and Permanent), disease arising out of and in scope of his employment.

Office Insurance

Office is a place where we & our team spend a lot of time. One might have invested a large amount of money for setting up of that office. Insurance company covers that area from the risks like Fire, Earthquake, Burglary, Theft, Money in safe, Money in Transit (First Loss/Total Loss), Public Liability, Workmen Compensation, Portable Equipment, Electronic Equipment, Machinery Breakdown, Plate Glass/Neon Sign Board, and Employee Fidelity etc.