General Insurance

Comprehensive Protection for Property, People, and Business Risks

General Insurance refers to a broad category of non-life insurance policies designed to protect individuals and businesses against a wide range of everyday risks excluding life insurance. These policies provide financial compensation for unexpected losses, helping to secure your assets, operations, and wellbeing.

At GNIC, our General Insurance portfolio covers both personal and commercial needs, ensuring that you are protected from financial setbacks due to accidents, theft, liability, property damage, and more.

Our General Insurance Products Include:

1. Property & Asset Protection:

Fire & Allied Perils Insurance

Burglary Insurance

Industrial All Risks Insurance

2. Employee & Personal Safety:

Personal Accident / Group Personal Accident Insurance

Fidelity Guarantee Insurance

Workmen’s Compensation Insurance

3. Financial & Operational Security:

Money Insurance

Business Interruption Insurance

Liability Insurance (Public, Product & Employer’s Liability)

4. Specialty Covers:

Travel Insurance

Machinery Breakdown

Glass & Plate Insurance

Goods-In-Transit Insurance

Each policy is customizable to meet your specific risk profile, with expert support from our underwriting and claims teams to ensure you get the coverage and service you need.

Protect what matters with GNIC’s trusted General Insurance solutions.

SHORT writeup:

1. Property & Asset Protection

• Fire & Allied Perils Insurance
  Protect your property from damage caused by fire, lightning, explosions, storms, and other natural events. This policy covers both buildings and contents, ensuring you’re covered from a range of unforeseen risks.
• Burglary Insurance
  Provides coverage against theft or damage to property due to burglary or attempted break-ins, offering protection for both residential and commercial properties.
• Industrial All Risks Insurance
  Offers all-encompassing protection for industrial facilities, covering buildings, machinery, and stock against a variety of risks such as fire, accidents, or natural disasters. Ideal for factories and large operations.

2. Employee & Personal Safety

• Personal Accident / Group Personal Accident Insurance
  Financial support in the event of accidental injury, disability, or death. This policy is available for individuals or as a group insurance plan for employees, ensuring peace of mind for your workforce.
• Fidelity Guarantee Insurance
  Protects your business from financial losses due to fraudulent acts, theft, or dishonesty by employees. Perfect for businesses that deal with cash handling or sensitive financial operations.
• Workmen’s Compensation Insurance
  Provides compensation for employees who are injured or fall ill due to work-related activities. This policy helps businesses meet legal requirements while ensuring the well-being of workers.

3. Financial & Operational Security

• Money Insurance
  Protects against the loss of money due to theft, robbery, or accidental damage. Coverage applies to money on business premises, in transit, or held in safes.
• Business Interruption Insurance
  Provides coverage for lost income and additional expenses if your business is unable to operate due to unforeseen events like fire, natural disasters, or other disruptions.

4. Liability Insurance (Public, Product & Employer’s Liability)

• Public Liability Insurance: Covers legal costs and damages resulting from third-party injuries or property damage caused by your business operations.
• Product Liability Insurance: Protects against claims related to injuries or damages caused by products your business manufactures or sells.
• Employer’s Liability Insurance: Covers compensation for employees who suffer injuries or illnesses in the course of their employment, ensuring compliance with legal requirements.

5. Specialty Covers

• Travel Insurance
  Offers coverage for trip cancellations, medical emergencies, lost baggage, and other travel-related incidents. Ideal for both individual and business travelers.
• Machinery Breakdown Insurance
  Covers the cost of repairs or replacement if your machinery or equipment breaks down unexpectedly, minimizing downtime and ensuring smooth operations for your business.
• Glass & Plate Insurance
  Provides coverage for the breakage or damage of glass and plate material, including windows, mirrors, and glass installations at your property or business premises.
• Goods-In-Transit Insurance
  Protects goods while being transported from one location to another, covering loss or damage due to accidents, theft, or natural disasters.