Every claim we handle, with the paperwork each one needs.
39 claim types, arranged twice over: by the policy you hold, and by the thing that happened. Each page lists the documents an insurer will ask for and what they most often rely on to reduce a claim.
By the policy you hold
9 productsMatch these against the schedule. The names in grey are what the same cover is called by different insurers.
Property and engineering
Buildings, plant, stock and the machines that run them.13Standard Fire and Special Perils · Bharat Sookshma Udyam Suraksha · Bharat Laghu Udyam Suraksha
Burglary and TheftLoss of stock, contents or cash by theft involving forcible and violent entry to or exit from the premises.Burglary and Housebreaking · Bharat Sookshma Udyam Suraksha
Machinery BreakdownSudden and unforeseen electrical or mechanical failure of plant in operation, at rest, or being cleaned and overhauled.Machinery Breakdown Insurance · MBD
Electronic EquipmentSudden physical loss or damage to electronic equipment: servers, medical and diagnostic machines, control systems, communication gear.Electronic Equipment Insurance · EEI
Boiler and Pressure PlantExplosion or collapse of a boiler or pressure vessel, and the damage it causes to surrounding property.Boiler and Pressure Plant Insurance · BPV
Contractors' and Erection All RisksPhysical loss or damage to works under construction or erection, plus third-party liability arising from the site.Contractors' All Risks · CAR · Erection All Risks
Contractors' Plant and MachineryLoss or damage to construction plant such as excavators, cranes, batching plants and compressors, whether at site, at rest or in operation.Contractors' Plant and Machinery · CPM
Deterioration of StockSpoilage of goods in cold storage following a breakdown of the refrigeration plant or a failure of power.Deterioration of Stock in Cold Storage · DOS
Money in Transit and in SafeCash and negotiable instruments lost in transit between premises and bank, or from a locked safe on the premises.Money Insurance
Business InterruptionLoss of gross profit and increased cost of working while the business is unable to trade after property damage that is itself covered.Fire Loss of Profit · FLOP · Consequential Loss
Machinery Loss of ProfitLoss of gross profit while production is down following a machinery breakdown that is itself covered.MLOP · Machinery Breakdown Loss of Profit
Storm, Flood and InundationDamage to buildings, plant and stock from storm, cyclone, flood, inundation or earthquake, under the perils built into a standard fire or Bharat wording.STFI · Storm, Tempest, Flood and Inundation · Act of God perils
Jewellers' BlockStock, cash and specie of a jewellery business, at the premises, in a safe, in a window, and while being carried by a named person.Jewellers Block Policy · JB
Marine and transit
Goods moving by road, rail, sea or air, and the projects they feed.3Marine Cargo (Inland Transit) · ITC Clauses · Sales Turnover Policy
Import and Export CargoGoods moving into or out of India by sea or air, from the supplier's warehouse to yours or the buyer's.Marine Cargo (Overseas) · Institute Cargo Clauses A, B and C · Open Cover
Project and Over-dimensional CargoSingle high-value or oversized consignments moving to a project site, often with lifting, storage and erection in the same journey.Project Cargo · ODC · Marine cum Erection
Liability
What you owe somebody else when something goes wrong.7PLIA · Public Liability Insurance Act 1991 · Environmental Relief Fund policy
Public LiabilityLegal liability to third parties for accidental injury or property damage arising out of your business or premises.Public Liability (Industrial and Non-industrial) · Public Liability Insurance Act policy · Commercial General Liability
Product LiabilityLegal liability for injury or damage caused by a product after it has left your premises.Product Liability · Products Guarantee
Professional IndemnityLiability for financial loss caused to a client by negligent advice, design or professional service.Professional Indemnity · Errors and Omissions · E&O
Directors' and Officers' LiabilityPersonal liability of directors and officers for decisions made in managing the company, and the cost of defending them.D&O Liability · Management Liability
Cyber and DataRansomware, intrusion, data breach and the cost of responding to them: investigation, restoration, notification, liability and business interruption.Cyber Liability · Cyber Risk · Data Protection
Carriers' Legal LiabilityA transporter's or forwarder's liability to its customers for goods lost or damaged while in its custody.Carriers' Legal Liability · CLL · Freight Forwarders' Liability
Commercial motor
Trucks, tempos, buses, taxis and company vehicles.2Commercial Vehicle Package Policy · Own Damage · Motor Fleet
Motor Third-Party LiabilityLiability for death, injury or property damage caused to others by your vehicle, decided by a Motor Accident Claims Tribunal.Act Only Policy · Third-Party Liability · MACT claims
People and employee benefits
Workers injured, staff treated, families paid.4GTL · Group Term Assurance · Employee Deposit Linked Insurance
Employees' CompensationThe employer's statutory liability to compensate a worker injured, disabled or killed in the course of employment.Workmen's Compensation · Employees' Compensation Act policy · WC
Group HealthHospitalisation cover for employees and, where extended, their families, cashless at network hospitals and by reimbursement elsewhere.Group Mediclaim · GMC · Group Health Insurance
Group Personal AccidentLump-sum benefits for accidental death, permanent disability and, where taken, temporary disablement of covered employees.GPA · Group Personal Accident
Financial lines
Dishonesty, unpaid debts, and the decisions directors make.2Fidelity Guarantee · Employee Dishonesty · Commercial Crime
Trade CreditNon-payment by a buyer through insolvency or protracted default on goods sold on credit terms.Trade Credit Insurance · Credit Insurance
Personal motor
The car in the drive and the two-wheeler behind it.2Motor Own Damage · Private Car Package Policy · Motor OD
Two-WheelerDamage to a motorcycle or scooter, theft of it, and third-party liability when it is involved in an accident.Motorcycle Insurance · Scooter Insurance · Two Wheeler Package
Health, life and accident
Hospital, illness, injury, and what is paid to a family.4Mediclaim · Family Floater · Individual Health Policy
Critical IllnessA lump sum on the diagnosis of a listed illness, paid whatever the treatment costs and whether or not anything was spent.Critical Illness Benefit · CI Rider
Life Insurance Death ClaimThe sum assured paid to the nominee on the death of the life assured, under a term, endowment or money-back policy.Term Insurance Claim · Endowment Claim · Nominee Claim
Personal AccidentA benefit on death or disablement caused by an accident, paid on the event rather than against bills.Individual Personal Accident · PA Policy
Home and travel
The house, what is in it, and what happens away from it.2Bharat Griha Raksha · Householder's Package Policy · HHP
Travel InsuranceMedical treatment abroad, a trip cut short, a bag that did not arrive, and the documents replaced when they are lost.Overseas Travel Insurance · Student Travel · Domestic Travel
By what happened
12 kinds of lossIf you are not sure which policy responds, start here. Several often do at once, and running only one of them is the commonest way money is left on the table.
Fire and explosion
Something burned or blew up.4Standard Fire and Special Perils · Bharat Sookshma Udyam Suraksha · Bharat Laghu Udyam Suraksha
Boiler and Pressure PlantExplosion or collapse of a boiler or pressure vessel, and the damage it causes to surrounding property.Boiler and Pressure Plant Insurance · BPV
Contractors' and Erection All RisksPhysical loss or damage to works under construction or erection, plus third-party liability arising from the site.Contractors' All Risks · CAR · Erection All Risks
Home InsuranceThe building and what is in it: fire, burglary, storm and flood, and the contents down to the jewellery in the cupboard.Bharat Griha Raksha · Householder's Package Policy · HHP
Storm, flood and natural catastrophe
Weather, water, earthquake and subsidence.1
Theft and dishonesty
Somebody took it, from outside or from inside.4Burglary and Housebreaking · Bharat Sookshma Udyam Suraksha
Money in Transit and in SafeCash and negotiable instruments lost in transit between premises and bank, or from a locked safe on the premises.Money Insurance
Jewellers' BlockStock, cash and specie of a jewellery business, at the premises, in a safe, in a window, and while being carried by a named person.Jewellers Block Policy · JB
Fidelity GuaranteeDirect financial loss caused by the dishonesty of an employee: theft, embezzlement or fraudulent accounting.Fidelity Guarantee · Employee Dishonesty · Commercial Crime
Breakdown and machinery
A machine failed, electrically or mechanically.4Machinery Breakdown Insurance · MBD
Electronic EquipmentSudden physical loss or damage to electronic equipment: servers, medical and diagnostic machines, control systems, communication gear.Electronic Equipment Insurance · EEI
Contractors' Plant and MachineryLoss or damage to construction plant such as excavators, cranes, batching plants and compressors, whether at site, at rest or in operation.Contractors' Plant and Machinery · CPM
Deterioration of StockSpoilage of goods in cold storage following a breakdown of the refrigeration plant or a failure of power.Deterioration of Stock in Cold Storage · DOS
Goods in transit
Damaged, short-landed or lost between two places.4Marine Cargo (Inland Transit) · ITC Clauses · Sales Turnover Policy
Import and Export CargoGoods moving into or out of India by sea or air, from the supplier's warehouse to yours or the buyer's.Marine Cargo (Overseas) · Institute Cargo Clauses A, B and C · Open Cover
Project and Over-dimensional CargoSingle high-value or oversized consignments moving to a project site, often with lifting, storage and erection in the same journey.Project Cargo · ODC · Marine cum Erection
Carriers' Legal LiabilityA transporter's or forwarder's liability to its customers for goods lost or damaged while in its custody.Carriers' Legal Liability · CLL · Freight Forwarders' Liability
Injury and accident
A person was hurt, at work, on your premises or anywhere else.3Workmen's Compensation · Employees' Compensation Act policy · WC
Group Personal AccidentLump-sum benefits for accidental death, permanent disability and, where taken, temporary disablement of covered employees.GPA · Group Personal Accident
Personal AccidentA benefit on death or disablement caused by an accident, paid on the event rather than against bills.Individual Personal Accident · PA Policy
Third-party and legal claims
Somebody outside the business is claiming against you.6PLIA · Public Liability Insurance Act 1991 · Environmental Relief Fund policy
Public LiabilityLegal liability to third parties for accidental injury or property damage arising out of your business or premises.Public Liability (Industrial and Non-industrial) · Public Liability Insurance Act policy · Commercial General Liability
Product LiabilityLegal liability for injury or damage caused by a product after it has left your premises.Product Liability · Products Guarantee
Professional IndemnityLiability for financial loss caused to a client by negligent advice, design or professional service.Professional Indemnity · Errors and Omissions · E&O
Directors' and Officers' LiabilityPersonal liability of directors and officers for decisions made in managing the company, and the cost of defending them.D&O Liability · Management Liability
Trade CreditNon-payment by a buyer through insolvency or protracted default on goods sold on credit terms.Trade Credit Insurance · Credit Insurance
Cyber and data
Systems, data and the money moved by them.1
A vehicle accident
A car, a two-wheeler, a truck or a taxi, and whoever it hit.4Commercial Vehicle Package Policy · Own Damage · Motor Fleet
Motor Third-Party LiabilityLiability for death, injury or property damage caused to others by your vehicle, decided by a Motor Accident Claims Tribunal.Act Only Policy · Third-Party Liability · MACT claims
Private CarDamage to your own car, and what you owe somebody else when it is involved in an accident.Motor Own Damage · Private Car Package Policy · Motor OD
Two-WheelerDamage to a motorcycle or scooter, theft of it, and third-party liability when it is involved in an accident.Motorcycle Insurance · Scooter Insurance · Two Wheeler Package
Illness, hospital and life
Admitted, diagnosed, or a claim made by a family.5GTL · Group Term Assurance · Employee Deposit Linked Insurance
Group HealthHospitalisation cover for employees and, where extended, their families, cashless at network hospitals and by reimbursement elsewhere.Group Mediclaim · GMC · Group Health Insurance
Health InsuranceHospitalisation and treatment for you and your family, cashless at network hospitals and by reimbursement elsewhere.Mediclaim · Family Floater · Individual Health Policy
Critical IllnessA lump sum on the diagnosis of a listed illness, paid whatever the treatment costs and whether or not anything was spent.Critical Illness Benefit · CI Rider
Life Insurance Death ClaimThe sum assured paid to the nominee on the death of the life assured, under a term, endowment or money-back policy.Term Insurance Claim · Endowment Claim · Nominee Claim
Travel and away from home
A trip cut short, a bag that did not arrive, treatment abroad.1
Lost income and interruption
The damage stopped, and the losses carried on.2Fire Loss of Profit · FLOP · Consequential Loss
Machinery Loss of ProfitLoss of gross profit while production is down following a machinery breakdown that is itself covered.MLOP · Machinery Breakdown Loss of Profit
Not sure which of these your loss falls under?
Whoever placed your policy, and whatever stage the claim has reached.
- Tell the insurer now, not after the assessment.
- Notice to anybody else responsible the carrier, the contractor, the police, within the time your policy sets.
- Every document within the time the insurer asks for it.