Fire & Special Perils policy insures your house, its contents, your business (office, shops, manufacturing units, etc.). This insurance policy covers damage, loss or destruction of property caused by the following perils:

*Fire
*Explosion
*Aircraft
*Earthquake or Volcanic Eruptions
*Storm and Tempest
*Flood
*Escape of water from any tank, apparatus or *pipes
*Impact by any road vehicle or animal
*Burglary

This policy can be extended to cover loss of income and fixed charges of running the business due to interruption of business caused by any of the perils mentioned above which results in damage to the property insured. The policy wording is currently not available on line and can be provided on request.

PAR policy provides you with a broader coverage than FSP. This insurance policy covers accidental loss or damage to your insured property. The scope of cover is limited by a set of exclusions. Some of the important exclusions are:

*Electrical, mechanical breakdown
*Deterioration of property due to change in temperature or humidity or inadequate airconditioning, cooling or heating system.
*Subsidence, ground heave, land slip, erosion, settling or crack-ins.
*Damage to equipment during installation or dismantling operations.
*Property in course of construction or erection.
*Property in course of manufacture.
*Money, cheques, securities of all kinds etc.
*Contamination, pollution, wear and tear, corrosion.
*Loss resulting from dishonesty, fraudulent action, infidelity.

* This list is not exhaustive. In order to get the full details of coverage, please download the policy wording.

The cover can be extended to include loss of income following an interruption of business activity due to damage to property by a peril not specifically excluded under the policy.

PAR cover is suitable for large, commercial and industrial risks.

HOI policy insures your residential building and its contents. This insurance covers the loss of property due to:

*Fire
*Explosion (Domestic)
*Aircraft
*Earthquake or Volcanic Eruption
*Storm and Tempest
*Flood
*Escape of Water from any tank, apparatus or pipes
*Impact by any road vehicle or animal
*Theft
*Loss of Rent
*Breakage of Fixed Glass and Sanitary Fixtures
*Third Party Liability
*Accident to Insured/Spouse

This insurance policy can be taken for contents only in case you are a tenant in a building or an apartment.

BEI policy is designed for boilers in industries and factories. It provides cover for boilers and pressure vessels due to explosion or implosion. The policy also covers damage to surrounding properties and liabilities for injury to third parties or damage to third party property.

FGI policy insures against loss of money or goods belonging to you as the insured due to infidelity or dishonesty of employees.

This insurance is a must for all commercial establishments.

MI policy insures money in the course of transit or while it is kept in the office safes.

This policy is useful for commercial organisations.

EL policy insures the legal liability of the employer towards employees for personal injury by accident or disease that may occur during and in the course of employment with the insured.

PL policy insures the legal liability for claims against you raised by third parties during the period of insurance due to injury or damage caused by a product made by or sold by you.

Bankers Blanket Bond is an insurance policy for financial institutions. The policy provides cover in respect of infidelity of employees, loss of property while such property is within any of the assured's premises or in transit, loss resulting directly from forgery or alteration, counterfeit currencies and other risks to which financial institutions are exposed.

The policy can be tailored to meet the requirements of a bank or any other financialinstitutions. While the standard proposal form and policy wording is available for download please write to us at info@bkic.com for more information.

PI policy insures legal liability towards third party in the event of any third party bodily injury or property damage arising from professional negligence of the insured.

The policy includes insured's defence costs and expenses.

This policy is useful for professionals such as architects, engineers, lawyers, doctors, consultants, etc.

CAR policy insures damage to any contract works including construction plant and equipment, third party property, surrounding property etc. The policy can be extended to insure the maintenance period in addition to the actual construction period. There are two kinds of CAR policies, annual policies for contractors handling many small to medium contracts of a similar nature and a single contract policy for specific contracts.

CTPL policy insures accidental bodily injury to a third party caused by the Insured during contract work and accidental loss of or accidental damage to property owned by a third party caused by the Insured during contract work.

GTPL policy insures accidental bodily injury to a third party caused by the Insured in course of business and accidental loss of or accidental damage to property owned by third parties caused by the Insured in course of business.

WC policy insures liability under law of the Employer towards employees personal injury by accident or occupational disease in course of employment in the Insured's business.

Tender Bond insurance guarantees the tender bid amount of the tenderer while bidding for a contract.

CPM policy insures contractors plant and machinery against damage or destruction within the site of construction.

EE policy insures damage to electronic equipment, damage to Insured's inputted data and records and costs incurred to retrieve and recover lost data and records.

MB policy insures loss or damage to machinery caused by defects in casting and material, faulty design, bad workmanship, lack of skill, carelessness, shortage of water in boilers, physical explosion, short circuit or storm.

Loss of income as a result of damage to machinery causing an interruption of business can also be covered as an extension.