Specialized Coverage
Specialized Insurance Plans
Industry-specific insurance solutions for complex needs. ARI, EAR, and WMPA coverage designed for businesses that demand expert protection.
ARI
All Risk Insurance (ARI)
Comprehensive coverage against all physical loss or damage to property, plant, machinery, and equipment during operation, maintenance, and storage. Covers everything not specifically excluded.
Coverage Features
- Covers fire, theft, accidental damage & more
- Protection for plant & machinery
- Coverage during operation & maintenance
- Customizable for specific industries
Ideal For
Manufacturing units, warehouses, factories, and commercial establishments with valuable equipment.
EAR
Erection All Risk (EAR)
Specialized insurance covering all risks during the erection, installation, testing, and commissioning of plant, machinery, and equipment. Protects your capital projects from start to finish.
Coverage Features
- Coverage during installation & erection
- Protection against testing & commissioning risks
- Third-party liability during construction
- Transit coverage for machinery
Ideal For
Construction projects, infrastructure development, power plants, and industrial facility installations.
WMPA
Workmen's Compensation (WMPA)
Mandatory and essential coverage providing compensation to employees for injuries, disabilities, or death arising out of and in the course of employment. Legal compliance with complete worker welfare.
Coverage Features
- Death & disability compensation
- Medical expense reimbursement
- Legal liability coverage
- Occupational disease protection
Ideal For
All employers with workforces, especially construction, manufacturing, and high-risk industries.
How It Works
Getting your specialized insurance coverage is simple and transparent with our proven 4-step process.
01 Consultation
Discuss your needs with our specialized insurance advisors.
Risk Assessment
We evaluate your operations and identify coverage requirements.
Custom Quote
Receive a tailored policy with transparent pricing and terms.
Coverage Active
Direct bank payment to provider. Your coverage begins immediately.
Ready for Specialized Coverage?
Connect with our specialized insurance experts for ARI, EAR, or WMPA tailored to your business.