INVESTMENT SOLUTIONS
We compare premiums and coverage terms across companies to get you the best deal for Marine Cargo/Transit, Stock Throughput, and Fire/Property risks. Better clauses where it matters, lower cost where it doesn’t.
Coverage is subject to policy terms and regulations. Exact clauses, deductibles and warranties vary by insurer and risk profile.
Insurer‑agnostic advice. We compare clauses, sub‑limits, deductibles, warranties and risk engineering requirements across insurers—then place you on the most cost‑efficient option.
Share your risk details. We’ll compare across insurers and call you within 30–45 minutes.
From single shipments to end‑to‑end throughput and commercial property—get the right clauses and best premium after comparing across insurers.
Cover goods during transit—sea, air and multimodal—with correct clauses and valuation.
Loss/damage to cargo during international transit per selected clauses; optional SRCC/War where permitted.
Importers/exporters needing ongoing or specific shipment cover with efficient certificate issuance.
Cover domestic movement of goods—single, annual or open cover with declarations.
Domestic transit risks per Inland Transit Clauses; theft/pilferage optional.
Manufacturers, traders and distributors moving goods within India.
End‑to‑end—marine transit + storage + distribution under one consolidated policy.
Seamless cover without gaps, often more economical for steady flows and multi‑site storage.
Max value at locations, cold‑chain requirements and transit mode split inform pricing.
Oversized/heavy cargo with custom routing, handling and survey requirements.
Transit risks for project cargo; DSU/ALOP availability varies—verify in consultation.
EPC, capital goods, infrastructure and heavy engineering shipments.
Protect buildings, machinery, furniture and stocks against named perils.
BSUS (≤ ₹5 Cr), BLUS (₹5–50 Cr) for MSME; BGR for home. For large industrial sums insured, IAR may be considered (verify).
Earthquake, Spontaneous Combustion, RSMD, STFI, Debris Removal, Architects/Surveyors Fees; BI/LOP subject to underwriting.
Static storage risk—temperature control, housekeeping and security drive pricing.
Layout, photos, fire protection inventory, SOPs, and last electrical audit. These often unlock better premiums.
3PL, FMCG, pharma, agrisupply and temperature‑controlled storage.
Institute Cargo Clauses ICC (A/B/C) and Inland Transit Clauses determine covered perils. Valuation often follows Invoice/CIF + a % uplift (e.g., +10%) to cover incidental expenses. Add SRCC/War as permitted; reefer/temperature‑controlled cargo requires specific warranties.
Combines transit and storage into one policy for RM/WIP/FG, often improving cost and continuity.
For SMEs, Bharat Sookshma Udyam Suraksha (BSUS) and Bharat Laghu Udyam Suraksha (BLUS) are standard frameworks; Bharat Griha Raksha (BGR) for home. Larger industrial risks may qualify for Industrial All Risk (IAR) — verify in consultation.
Indicative comparison. Exact terms vary by insurer/policy—verified in your quote.
| Feature | Marine Cargo | Inland Transit | Stock Throughput | Fire/Property | Warehouse | Project Cargo |
|---|---|---|---|---|---|---|
| Transit Damage | Included | Included | Included | Verify | Verify | Included |
| Theft/Pilferage | Optional | Optional | Included/Opt | Verify | Verify | Optional |
| SRCC/War | Optional | Optional | Optional | Verify | Verify | Optional |
| Storage Risks | Verify | Verify | Included | Included | Included | Verify |
| RSMD / STFI | Verify | Verify | Included/Opt | Included | Included | Verify |
| Earthquake | Verify | Verify | Optional | Optional | Optional | Verify |
| Spontaneous Combustion | Verify | Verify | Optional | Optional | Optional | Verify |
| Declaration / Floater | Available | Available | Available | Available | Available | Verify |
| Consequential Loss (BI/LOP) | Verify | Verify | Verify | Optional | Optional | Verify |
| Clauses (ICC/ITC) | Included | Included | Included | N/A | N/A | Included |
| Valuation Basis | Invoice/CIF + % | Invoice + % | Defined | RIV/MV | RIV/MV | Defined |
| Reefer / Temp‑Control | Verify | Verify | Verify | Verify | Verify | Verify |
| DSU/ALOP | Verify | Verify | Verify | Verify | Verify | Verify |
Note: Availability of add‑ons, deductibles and warranties depend on commodity/occupancy, protection level and claim history. We’ll confirm in your personalized quote.
Focus on high‑severity perils (medical for people; EQ/STFI/RSMD for property; ICC(A) for fragile cargo), trim low‑impact add‑ons.
Protection level, claim history, commodity/occupancy risk and storage/transit controls impact price the most.
Scope, routes/addresses, SI/turnover, protections and claims.
Multiple insurers benchmarked on clauses, deductibles and cost.
Right clause set, add‑ons, SI basis and warranties for savings.
Surveys/photos where required; declarations/COI workflow setup.
Policy/certificates and endorsements turned around fast.
Notification, surveyor coordination and settlement guidance.
Share your risk details now. We’ll benchmark across insurers and send the most cost‑effective proposal with the right clauses and warranties.
Disclaimer: This page is for educational purposes and does not constitute advice or a product offer. Benefits, deductibles, warranties, premiums and eligibility are as per insurer terms and applicable regulations. Confirm specifics in your personalized quote.
