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In the insurance business, the reliability of the insurer is the first and foremost criteria, which of course translates to the essential faith of the insured - that his losses will be indemnified by someone who has the commitment and the wherewithal to compensate for his Losses, should they happen.
To protect your business risks associated with transit involving raw materials and finished goods, we Will design customized policies for industry specific needs.The main reason why to take insurance, is for protection for unexpected happening. The specific benefits and coverage depends on the coverage taken by the client.
At SN insurance we take care of important things which is needed to be insured. Whether it's a Transit Insurance, Cargo & Container Insurance or Vehicle Insurance. So protection from all such risk always give satisfaction than worry.
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Nature of Business

Service Provider

Legal Status of Firm

Partnership Firm

GST Number

27ACPFS9410B1Z1

Marine Insurance (Container/ Export/ Import)
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It deals with insurance of goods in transit through following modes of transport:

  • Sea
  • Rail
  • Road
  • Air
  • Inland waterways
  • Post Parcels
Type of Polocies

While the movement of cargo within the country is covered under inland policies, cargo going out of India/ cargo coming to India from broad are covered under overseas policies.
One has the option of covering the voyage under a specific policy. However, if the voyages are frequent and it is difficult/ cumbersome to take specific policies, option is also available to obtain cover of all despatches under an open policy.

Scope of Cover

The scope of cover under inland policies are determined by Inland Transit Clauses A, B and C. While C covers the losses arising due to fire and lightning, B covers losses arising due to accident of the carrying vehicle besides whatever is covered in C. Inland Transit Clause A is an All Risk policy.
The scope of cover under Overseas policies are determined by Institute Cargo Clauses A, B and C.
While C broadly covers the losses arising due to fire/ explosion/ sinking/ stranding/ jettison/ General Average, B covers losses arising due to earthquake, entry of sea water, washing overboard etc besides whatever is covered in C.
Institute Cargo Clause A is an All Risk policy.
All the policies are subject to certain exclusions like inherent vice, losses arising due to war and nuclear perils etc.

The policy covers loss/damage to the property insured due to: (indicative examples)

  • Fire or explosion; stranding sinking etc.
  • Overturning derailment ( of land conveyance)
  • Collision
  • Discharge of cargo at port of distress
  • General average sacrifice salvage charges
  • Earthquake lightning
  • Washing overboard
  • Sea lake river water
  • Total loss of package lost overboard or dropped in loading or unloading
  • Theft of goods

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Commercial Vehicles Insurance
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Your vehicle is most critical to your business. Any damage to it can be a huge loss to you. In today’s times of uncertainties, you need a comprehensive insurance cover which not only covers you for the liability arising out of the Third party but covers you against the loss or damage to your vehicle.

Benefits

  • Covers all the features as per the Motor Vehicle tariff
  • Coverage for Partial Loss & total loss arising out of accident, Fire & allied perils, burglary & theft, riots and strikes, damage in transit by air, rail, road and sea.
  • Discount (NCB) for claim free experience.
  • Predefined depreciation for the parts needing replacement on account of accident.
  • Third Party Legal Liability: Covers Third party property damage and Third party Bodily injury.

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Fire Insurance
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Fire Insurance

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Fire insurance policy is suitable for the owner of property, one who holds property in trust or in commission; individuals/ financial institutions who have financial interest in the property. All immovable and movable property located at a particular premises such as buildings, plant and machinery, furniture, fixtures, fittings and other contents, stocks and stock in process along with goods held in trust or in commission including stocks at suppliers/ customer's premises, machinery temporarily removed from the premises for repairs can be insured.

Coverage Includes

  • Fire
  • Lightning
  • Explosion/Implosion
  • Aircraft Damage
  • Riot, Strike, Malicious Damage
  • Storm, Typhoon, Hurricane, Tornado, Flood and Inundation
  • Impact damage
  • Subsidence and landslide including Rock slide
  • Bursting and overflowing of water tanks, apparatus and Pipes
  • Missile testing operations
  • Leakage from Automatic Sprinkler Installation
  • Bush Fire

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