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Insurance guides

Practical notes on Indian insurance from an IRDAI-registered advisory: claim guides, comparisons, what actually drives a premium, and plain-English explanations. Published daily.

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Guide · 2026-07-29

What is the average clause in fire insurance

Fire insurance is a type of non-life insurance policy that provides financial protection against losses or damages caused by fire, lightning, or other specified perils. It is a crucial component of…

Guide · 2026-07-28

Commercial Vehicle Insurance for Transporters in India

Commercial vehicle insurance is a type of insurance policy that is designed to protect the financial interests of transporters in India who own and operate commercial vehicles. This type of insurance…

Guide · 2026-07-27

Own Damage vs Third Party Car Insurance Difference

As a car owner in India, it is essential to understand the difference between own damage and third-party car insurance. Both types of insurance are designed to protect you from financial losses in…

Guide · 2026-07-26

IDV in Car Insurance: Understanding the Basics

IDV, or Insured Declared Value, is a crucial component of car insurance policies in India. It represents the maximum amount that an insurance company will pay to the policyholder in the event of a…

Guide · 2026-07-25

Professional Indemnity vs Public Liability Difference

Professional indemnity insurance is a type of liability insurance designed to protect professionals and businesses from financial losses due to claims made against them for alleged professional…

Guide · 2026-07-24

Public Liability Insurance for Shops and Restaurants

A public liability insurance policy is designed to protect business owners from potential lawsuits and financial losses in case of accidents or injuries to customers, employees, or third-party…

Guide · 2026-07-23

Does my business need cyber insurance

As a business owner, you're likely aware of the importance of protecting your company from various risks. However, with the increasing reliance on technology and digital data, cyber threats have…

Guide · 2026-07-22

Cyber Insurance for Small Business in India

A cyber insurance policy is a type of non-life insurance that protects small businesses in India against financial losses resulting from cyber-attacks, data breaches, and other cyber-related risks.…

Guide · 2026-07-21

What is contractors all risk insurance

Contractors All Risk Insurance is a type of insurance policy designed to protect contractors and builders from unforeseen risks and losses during construction projects. This policy provides…

Guide · 2026-07-20

Business Interruption Insurance for Indian SMEs

Business interruption insurance is a type of non-life insurance that protects small and medium-sized enterprises (SMEs) from financial losses due to unexpected interruptions in their business…

Guide · 2026-07-19

Choosing the Right Group Health Insurance for Employees

As a responsible business owner, providing your employees with a comprehensive group health insurance plan is not only a moral obligation but also a strategic move to attract and retain top talent. A…

Guide · 2026-07-18

Group Health Insurance for Small Companies in India

Group health insurance is a type of health insurance plan that covers a group of employees or family members of a company. In India, it is mandatory for companies with 10 or more employees to provide…

Guide · 2026-07-17

Workmen Compensation Insurance Mandatory in India

Workmen compensation insurance in India is a type of insurance policy that provides financial assistance to employees who suffer injuries or illnesses while performing their job duties. It is…

Guide · 2026-07-16

Workmen Compensation Insurance for Employers in India

Workmen Compensation Insurance, also known as Workmen Compensation Scheme, is a type of insurance policy that employers in India are required to purchase to provide financial protection to their…

Guide · 2026-07-15

How to file a fire insurance claim in india

Filing a fire insurance claim in India can be a complex and time-consuming process, but with the right knowledge and preparation, you can navigate it smoothly. Fire insurance is a type of property…

Guide · 2026-07-13

Fire Insurance for Factories in India Explained

A fire insurance policy for factories in India is a type of non-life insurance that provides financial protection against losses or damages caused by fire, lightning, or other related perils. This…

Guide · 2026-07-11

What is marine cargo insurance and what does it cover

Marine cargo insurance is a type of insurance that protects businesses and individuals against financial losses or damages that occur during the transportation of goods by land, sea, or air. This…