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A Fire & burglary insurance policy offers an additional layer of security to your property. It offers coverage for damages, Fire Explosion or misfortunes caused to your property and its contents. For example, your home, office, factory, and godown against burglary and housebreaking. It provides cover under the accompanying circumstances:

• Theft by persuasive/ violent/fierce entry.
• Attempted theft or theft by a criminal on the said premises.
• Armed robbery or Hold-up.

A group health insurance plan provides medical coverage for a group of people. It is usually purchased by companies or organizations to provide additional medical coverage to their employees as a perk because the premium amount of the group medical insurance plan is paid by the employer.

• Helps in Employee Retention.
• Tax Benefits.
• Motivated Employees.
• Better Benefits in Low Cost.

Marine Insurance is a type of insurance policy that provides coverage against any damage/loss caused to cargo vessels, ships, terminals, etc. in which the goods are transported from one point of origin to another. Marine insurance coverage includes loss or damage caused to the shipment/cargo/ ship while is grounded, and also from untoward perils like- sinking, collision, burning, weather conditions, navigation errors, theft, jettison, improper stowage by the carrier, hook damage, strikes, war, and natural perils.

Credit Insurance is a type of insurance policy that is used to pay off existing debts in cases such as death, disability and in some cases, unemployment. Credit insurance protects the policyholder from the lender from the borrower’s inability to repay the loan or debt due to various reasons. The insurance policy will pay the lender on behalf of the policyholder.

• Credit life insurance
• Credit disability insurance
• Credit involuntary unemployment insurance
• Credit property insurance

Health Insurance or medical insurance is a contract between the insurer and policyholder where the insurance company helps the insured to meet medical expenses. A health plan provides the benefit of reimbursement of medical expenses or cashless treatment for an illness or accidental injury.

• Beat Medical Inflation
• Fight Lifestyle Diseases
• Afford Quality Medical Treatment

Motor insurance is an insurance policy for four-wheelers, commercial trucks, two-wheelers, and other road vehicles. Motor insurance online provides financial protection against physical damage or cover for natural calamities and any loss or damages sustained by the policyholder in an unforeseen accident.

• Car Insurance
• Two Wheeler Insurance
• Commercial Vehicle Insurance

Term Insurance is a purest and most affordable life insurance plan, which provides financial protection to your loved ones in your absence. A term insurance plan provides nominees of the policy with a lump sum amount as death benefit, in the event of the insured's death, during the term of the policy. All Term insurance plans and insurance companies are regulated under the Insurance Regulatory and Development Authority of India (IRDAI). Among all other life insurance plans, term life insurance offers the highest life cover at low premium rates during the policy term. For example, an individual can buy a life cover of Rs. 1 Crore at a premium rate of a minimum of Rs. 449/ month.

A travel insurance policy is a type of insurance that offers financial compensation to the policyholder in case anything goes wrong on the trip. A travel insurance plan covers vacations, business trips, and even educational trips. The best travel insurance policy offers coverage against a range of emergencies, medical or non-medical, all offered in exchange for an affordable premium. Benefits include compensation for the theft of your money or passport, medical evaluation, delay in checked-in baggage, missed connections, etc. In case of urgent emergencies, the policy also helps with medical evacuation and repatriation, financial emergency assistance, and so on. There is also travel insurance policy with COVID-19 coverage that requires minimal paperwork.

Professional indemnity insurance works to protect businesses and individuals who provide consultation and services with the compensation for full and hefty costs arising from the loss that they have caused to their client. The coverage provided by the insurance company focuses on the alleged failure of the service delivery by the company, which has led to the financial loss due to errors and omissions in the service or consultation. The insurance company handles the confidential data of its clients and their intellectual property to analyze before it provides consultation and required services. Keeping in mind the confidentiality of such information, it becomes very important for a business to take up professional indemnity insurance or professional

An accident does not come knocking at the door. It can happen anytime, anywhere and may result in minor to serious injuries. Any such uncertainty may lead to financial crisis, and that is why it is recommended to buy a Accidental Insurance policy. It will provide the necessary financial assistance to you and your family against accidental death, bodily injuries and disabilities (Partial/ Permanent/Temporary). There are various other rider benefits such as accidental hospitalization cover, Hospital Confinement Allowance, and Medical Expense Cover.

• Accidental Death Cover
• Permanent/Total Disability Cover
• Permanent Partial Disability Cover
• Temporary Total Disability

Professional indemnity insurance works to protect businesses and individuals who provide consultation and services with the compensation for full and hefty costs arising from the loss that they have caused to their client. The coverage provided by the insurance company focuses on the alleged failure of the service delivery by the company, which has led to the financial loss due to errors and omissions in the service or consultation. The insurance company handles the confidential data of its clients and their intellectual property to analyze before it provides consultation and required services. Keeping in mind the confidentiality of such information, it becomes very important for a business to take up professional indemnity insurance or professional

Bike insurance is a contract between the bike owner & insurance provider in which the insurance company provides financial coverage to bike owner against any loss or damages due to an accident. As per the Motor Vehicle Act 1988, third party bike insurance is mandatory in India. Bike insurance covers you from any accidental injuries caused while driving a two wheeler/motorbike on Indian roads. Buy or renew two wheeler insurance online upto 3 years within 30 seconds to avoid paying a fine of Rs. 2,000.

• Financial Protection.
• Accidental Injuries
• All Types of Two Wheelers.
• Cost of Spare Parts
• Roadside Assistance

Professional indemnity insurance works to protect businesses and individuals who provide consultation and services with the compensation for full and hefty costs arising from the loss that they have caused to their client. The coverage provided by the insurance company focuses on the alleged failure of the service delivery by the company, which has led to the financial loss due to errors and omissions in the service or consultation. The insurance company handles the confidential data of its clients and their intellectual property to analyze before it provides consultation and required services. Keeping in mind the confidentiality of such information, it becomes very important for a business to take up professional indemnity insurance or professional

Professional indemnity insurance works to protect businesses and individuals who provide consultation and services with the compensation for full and hefty costs arising from the loss that they have caused to their client. The coverage provided by the insurance company focuses on the alleged failure of the service delivery by the company, which has led to the financial loss due to errors and omissions in the service or consultation. The insurance company handles the confidential data of its clients and their intellectual property to analyze before it provides consultation and required services. Keeping in mind the confidentiality of such information, it becomes very important for a business to take up professional indemnity insurance or professional

Senior Citizen Health Insurance is a type of health insurance plan that covers medical expenses incurred by people above 60 years old. It offers preventive health check-up facilities to the elderly and cashless hospitalization at network hospitals of the insurance company. It covers pre-existing diseases, hospitalization expenses, critical illness, and pre and post hospitalization expenses and coronavirus treatment.

• Medical Coverage to Elderly People.
• Pre-medical Screening.
• Hospitalization Expense Cover.
• Cashless Treatment.
• NoClaim Bonus
• Lifetime Renewability
• Tax-Benefits

Child plans are savings and insurance schemes that help meet the financial requirements of the child even in case of a parent's death/ disability/ loss of income. Through this scheme, lump-sum financial coverage is offered to meet the child's future requirements like higher education, marriage, college fees, etc.

• The assured amount will be available even before the maturity period if in case the insured dies.
• Tax benefits under section 80C of the Income Tax Act (IT Act).
• The benefit of premium waiving: The Premium will be waived in case of the insured's death. There is no need to pay the premiums after the insured's death, and the maturity benefit will be payable on the maturity date.
• Flexibility in paying the premiums, as there are many payment periods available to the insured.
• Choice of availing loans against the child plans.
• These plans pay out the maturity benefits to the children even after the parents die.

Even though consultants do not have the same benefits as employees, tax is deducted at source up to 10.3%. There is a long list of expenses that can be deducted also. Consultants whose income exceeds Rs.10 lakh have to be audited by a CA. Companies have now started hiring employees on a contract basis and though they work in the office premises, their legal status is not the same as an employee. They work on a contract or a consultant basis and they get a fixed amount of remuneration. They do not get HRA, LTA, leave encashment or pension, etc. Consultant can claim depreciation on assets like AC, furniture, computer, phone or other business assets used to provide service. They are required to maintain accounts of expenditure that can be ascertained by the tax department. The documents are to be maintained for a specified number of years. If the income on the gross receipt exceeds a specified amount, the books of account is to be audited by a CA. Company deducts a flat 10% tax from the consultant’s fee at the time of payment. Consultant has to pay advance tax at designated bank branches in 3 instalments. The first instalment is to be paid by 15th September, second by 15th December and third by 15th March. Consultant must comply with the service tax regulations if the services he or she provides are included in the notified services. Many people prefer working as a consultant as they get to take home a high income and have a low income tax liability. They like the benefit of holding a lump-sum amount without any deductions. The consultant bills the company for the services rendered and get paid in lump sum and only 10.3% tax is deducted at source.

Professional indemnity insurance works to protect businesses and individuals who provide consultation and services with the compensation for full and hefty costs arising from the loss that they have caused to their client. The coverage provided by the insurance company focuses on the alleged failure of the service delivery by the company, which has led to the financial loss due to errors and omissions in the service or consultation. The insurance company handles the confidential data of its clients and their intellectual property to analyze before it provides consultation and required services. Keeping in mind the confidentiality of such information, it becomes very important for a business to take up professional indemnity insurance or professional

An employer-employee insurance policy is one in which the employer or company purchases insurance policy and the beneficiary is its employees. It is a benefit provided by an organization to its employees. Presently, this kind of insurance is most relevant because it works as a tool to retain old employees and attract new employees. This insurance policy is as well relevant for companies that are run by promoters. This is because the promoter likes his/her expenses of insurance paid by the company.

• The attrition rate of the employees goes down with this scheme.
• The loyalty of the employees towards their employer increases as they get the feel of being more honored and secure with this scheme.
• The employer gets tax exemption for the premiums it has paid for this scheme under section 37(1) of the IT Act under the business expenses of the company.
• The tax exemption u/s 37(1) may bring monetary advantages to the organization.

Professional indemnity insurance works to protect businesses and individuals who provide consultation and services with the compensation for full and hefty costs arising from the loss that they have caused to their client. The coverage provided by the insurance company focuses on the alleged failure of the service delivery by the company, which has led to the financial loss due to errors and omissions in the service or consultation. The insurance company handles the confidential data of its clients and their intellectual property to analyze before it provides consultation and required services. Keeping in mind the confidentiality of such information, it becomes very important for a business to take up professional indemnity insurance or professional