Harmony Insurance Broking Private Limited

Policy covers losses due to Fire, lightning, explosion and implosion, aircraft damage, riot, strike, malicious damage and terrorism, Storm, tempest, flood and inundation, Impact damage, subsidence, bursting / overflowing of water tanks / pipes / apparatus, sprinkler leakage, Landslide/rockslide, Bursting and/or overflowing of water tanks, apparatus and pipes, Missile testing, leakage from automatic sprinkler installations and bush fire

Earthquake (Fire & Shock), Spontaneous Combustion, Deterioration of stocks in cold storage, Impact Damage due to own vehicles, Omission to insure additions, Architect, Surveyors & Consulting engineer’s fees in excess of 3 % of claim amount, Debris removal in excess of 1 % of claim amount

This policy is extremely important for who operates machinery. Large enterprises using large units and fully automated production plants, medium-sized and small enterprises need this policy since a single machine failure at a crucial time may have serious financial and economic consequences.

It covers unforeseen and sudden physical losses or damages to the insured items necessitating their repair and/ or replacement. The machinery can be at work or at rest. Machinery being dismantled for cleaning / overhauling and in course of these operations being shifted within specified premises or being re-erected subsequently also covered

This policy will cover all transits, which includes imports of raw material (From warehouse to warehouse), purchases of raw material locally, sales Of finished product including intermediary storages at clearing and Forwarding agent and dealer’s warehouse. The premium is charged on Estimated turnover for the year

The Indian compensation act provides for the payments of compensation by the employer to his employees incl. Contract labour for their dependents in the event of fatal accident if personal injury is caused to them by accident arising out of and in the course of their employment. The compensation is paid as per workmen compensation act 1923. (Amended 1984 and 2000). This is statutory liability of employer

The policy provides comprehensive coverage for commercial businesses. The policy protects the insured against bodily injury or physical damage to property caused from the use of a defective product after it has left the custody or control of the Insured.  This coverage includes property that has been designed, specified, formulated, manufactured, constructed, installed, sold, supplied, distributed, treated, serviced, altered, or repaired by or on behalf of the Insured

The companies who have insured business property would suffer other losses too, as the business would be interrupted, resulting in reduction in (or total loss of) business turnover or output. In these days of specialization scarcity and complicated trade procedures the repair rebuilding and reinstatement will take considerable time during which turnover would remain interrupted (partly or fully depending on the severity of damage). This policy covers you for the profit plus standing charges (rent, interest, rates, taxes, salaries, etc.). I will require more details from you for premium calculation

his insurance policy provides cover against loss of money in transit. By the insured of insured’s,  authorised employee (s) occasioned by robbery. Theft or any other fortuitous cause. 
This insurance policy also covers loss by burglary or housebreaking whilst money is retained at insured’s premises, in safe (s) or strong room

This policy covers loss or damage to the plate glass occasioned by breakage. The maximum indemnity is value mentioned in the policy whichever is less

The insurance may cover loss caused by forgery, embezzlement, larceny or fraudulent conversion of monies or stock in trade whether belonging to the insured or held in trust by him committed by the employed person in connection with his employment as specified the policy. During the period of the policy and the uninterrupted continuance of the employment in the services of the insured

Fire, Explosion, Lightning, Riot & strike terrorist, Burglary / Theft, accidental external means, Electrical & Mechanical Breakdown

It is a complete policy to provide seamless protection to the Insured, and covers Third Party Liabilities arising from various business exposures such as those arising from Premises, Products and Completed operations, advertising and Personal injury and also provides Supplemental payments, thus ensuring complete protection to the insured against Liability issues