Services

Diversified Insurance Services
An Array of Insurance Services.

General Insurance

Health Insurance

Credit Insurance

Life Insurance

Fire Insurance

Fire & Allied Perils Insurance covers risks of all tangible assets like Building including plinth & foundation, compound wall and retainer wall, furniture fixtures, electrical equipment, plant and machinery.

Scope of Cover :

Fire, lightning, explosion/implosion, aircraft damage, riot, strike, malicious damages (RSMD), storm, tempest, cyclone, typhoon, hurricane, tornado, flood, inundation (STFI), impact damage by any rail/ road/ vehicle/ animal (other than own), subsidence, landslide and rock slide, missile testing operations, bush fire, bursting and/or overflowing of water tanks, apparatus, and pipes, leakage from automatic sprinkler installations.

Add on Cover :

  • Architects Fees
  • Surveyors Fees
  • Consulting Engineers Fees (more than 3% of the claim amount).
  • Debris Removal (over 1% of the claim amount)
  • Deterioration of stock in cold storage
  • Forest Fire
  • Impact Damage by Insured Vehicles
  • Spontaneous Combustion
  • Omission to Insure Additions
  • Alterations or Extensions
  • Earthquake (fire and shock)
  • Spoilage Material Damage Cover
  • Deterioration of Stocks
  • Leakage and Contamination Cover
  • Loss of Rent
  • Additional Expenses on Rent for Alternative Accommodation
  • Start-up Expenses
  • Terrorism Cover

Fire Loss of Profit insurance covers loss of gross profit and /or increase in the cost of labor as a result of reduction in turnover brought on by a Peril.

This policy offers a solution by covering profit loss due to reduction in turnover arising from interruption of business following damage to the property insured by a peril. This policy can be taken only in conjunction with Fire Policy. This policy is also known as Business Interruption Policy or Loss of Profit Policy.

The policy covers:

  • Loss of gross profit.
  • Increased cost of working.for erection sites

Add on Covers

The Fire Consequential Loss Policy can be extended to cover loss of profit to the insured due to :

  • Accidental failure of public electricity/gas/water supply.
  • Damage to customer's premises due to perils covered under Fire Policy.
  • Damage to supplier's premises due to perils covered under Fire Policy.

Features :

  • An essential prerequisite of this insurance is a Standard Fire and Special Perils Policy in force covering the risk.
  • Fire Loss of Profit insurance along with Standard Fire and Special Perils insurance provides total protection against the perils.
  • Fire Material Damage adequately settles the claim on a reinstatement value basis. In case of any non-material losses, which may have affected the business and finances is covered under FLOP.
  • Due to a deduction for depreciation, an insured who chose a market value base policy will be required to contribute a sizable portion of the reconstruction costs in the event of a major fire.
  • Uncovered items in the policy will be treated as excess as applicable. If the value at risk is more than the sum insured.
  • The Insurance provides complete coverage for all of these losses which are not covered under standard fire and perils.

FLOP + Standard Fire Material Damage Insurance gives you the benefit of total insurance protection against any perils. It is regarded as being as vital as health or auto insurance.

Important to Note

  • Maintenance of books of accounts is a must for assessing any business interruption loss due to Fire and allied perils.
  • Furthermore, for admitting any claim under Fire Loss of Profit Insurance, it is a prerequisite that the material damage claim for the said loss event is admitted under Standard Fire and Special Perils insurance.
  • It is very important to select the correct period, sum insured, and excess after understanding the cover and due deliberation and debate.

This Policy insures your business from financial implications in the case of material damage or breakdown of machinery causing a halt in operations. This is a wider cover than the Standard Fire and Perils policy.

Features:

  • It gives the insurer the benefit of securing their business from a wider gamut of risks and not just fire.
  • It gives insurers the option of securing better coverage against losses occurring due to machinery damage.
  • The policy protects your business in the event of material damage and might require replacement of assets like buildings, fixtures, inventory, etc.
  • All industrial risks (other than risks ratable under Petrochemical Tariff) having an overall Sum Insured of Rs. 100 crores and above in one or more locations in India shall be eligible for an Industrial All Risk Policy.
  • This policy provides cover against all risks/ perils other than those which are excluded in the Policy.

Who Needs This:

The Industrial All Risk Policy is significant and pertinent to several industries, particularly those with vast workspaces and high worker densities, hence they are most likely to have round the clock operations, and rely significantly on power.

These industries include cement Industries, metal industries, power plants, paper mills, sugar factories, heavy engineering, transmission line and substations and hospitality (Large Hotels).

Important to Note:

  • The sum insured for material damage relating to buildings, machinery, furniture, fixtures, fittings and electrical installations shall be on reinstatement value basis only, while stocks shall be covered on market value basis.
  • The sum insured for the risk of machinery breakdown should equal the amount covered for plant and machinery that is considered to be at danger of fire, less the amount insured for piping and cabling.
  • The sum insured for business interruption is based on annual gross profit and indemnity period selected.
  • Indemnity period i.e. the maximum period during which the business may remain interrupted, can be chosen by the insured depending on the activities involved.
  • The cost of a property insurance policy is determined by the type of coverage chosen, the risk and liability exposure, the property's upkeep, and the policy's deductible.

Insurance for Factories Using Heavy Machinery

Machinery breakdown insurance provides coverage to machines used by factories and industries. This covers sudden and unforeseen material damages to machinery due to any cause like breakdown, short-circuit , voltage fluctuations, Human error, falling objects etc This insurance covers the cost of repairs or replacement of damaged machine parts due to accidental breakdown and physical damage.

The risk coverage is applicable to businesses whose regular operations could be hampered by machinery failure brought on by faulty electric lines, excessive voltage, short circuits, and defective casting that could occur after the warranty period.

Breakdowns could be caused by impacts, falls, or collisions. The machinery may malfunction as a result of careless operation or a lack of management and operation skills.

Features:

  • Coverage against – self-ignition, lightning, burglary, riots, natural calamities, and more.
  • A comprehensive policy offers coverage for machines in working condition, in rest, dismantled, moved, re-assembled for cleaning, inspection, and repair.
  • Coverage during the transit of machines from industries to the repair shops and return.

Tarjani Insurances helps you arrive at the correct premiums after a thorough assessment of the machinery, its functionalities, and value. We also recommend certain security measures like strongholds, CCTV, or guards to bring down your premiums.

Every Business today uses data, electronic equipment, and analytics. If any of these items are wrecked, there can be a major loss, resulting in both financial stress and loss of business prospects until new equipment is replaced.

Electronic Equipment Insurance (EEI) offers comprehensive coverage for the loss of electronic goods and also enables policyholders to reduce unplanned costs.

This is all risk insurance which includes coverage under Fire and Allied Perils Insurance, Burglary Insurance and Breakdown. This covers sudden and unforeseen material damages to Electronic Equipment due to any cause like Fire and Allied Perils, Riot,Strike, explosion, breakdown, short-circuit ,voltage fluctuations, Human error, falling objects etc

The EEI recovers cost in the following conditions:

  • Replacement expenses of the insured property, like freight, erection cost, and customs duty.
  • Expenses involved in restoring the external data media or lost information, damaged or lost data due to natural calamities, fire, burglary, and more.
  • An Increase in manual work due to loss or damage of electronic equipment, a situation that requires more manpower to be employed to fix the problems in equipment or install new ones.
  • Personal and transportation costs are borne by the company.
  • Coverage of software losses resulting from hardware damage.

Tarjani Insurance assists you in the right valuation of your equipment and software assets, arriving at the best premium. We advise policies that bring down your premiums significantly.

Industrial manufacturing units use boilers and pressure plants significantly for their operations. Any damage to these plants results in ceasing of operations and bears unforeseen expenses.

The boilers and pressure plants in a factory operate at high temperatures and under intense pressures, hence accidents are inevitable. Therefore, investing in this policy safeguards you.

Features:

  • Coverage of the repair of the equipment or replacement.
  • A Comprehensive policy remunerates for any damages or injury caused to a third party.
  • Coverage of damage to the equipment caused due to natural calamities, terrorist activities, and more.

Tarjani Insurance helps you evaluate the equipment costs and the impact of any accident. We advise you on the policy depending on the usage intensity of the equipment and suggest premiums that are economical.

This policy Insures excavators, rollers, dumpers, earth moving equipment, cranes, drilling machines, etc used in construction or Erection sites, which are subjected to numerous risks and hazards not limited to natural calamities.

Features:

  • Coverage of financial protection against damage to items irrespective of being used or resting at work-site during their maintenance operations.
  • Coverage of cost of replacement or repair of the scheduled machinery or property which is damaged, including damages or loss caused during the transit of the same.
  • Coverage of damage sustained during transportation as well as customs and freight fees when sending to multiple countries.
  • A comprehensive policy covers third-party claims in respect of property damage or bodily injury.

Contractor plant and machinery insurance offer hassle free claims and assistance. Our expert insurance personnel assist you in evaluating your plant and machinery and advise a suitable policy with affordable premiums.

It is designed for comprehensive and adequate protection against loss or damage in respect of contract works, construction plant, equipment, and/ or construction machinery, as well as third-party claims in respect of property damage or bodily injury arising in connection with the execution of a civil engineering project.

Features & Benefits:

  • This policy is essential for consulting engineers, architects, and financiers as it contributes to reducing the overall construction expenses and at the same time offers efficient financial protection to all pertinent parties.
  • Coverage can be extended to include the interest of suppliers/manufacturers, contractors, and subcontractors.
  • Tarjani Insurance provides ‘all risk' cover unless the hazard is specifically excluded.
  • Coverage of risk of fire, lightning, explosion, flood inundation, rain, snow, earthquake, theft, burglary, bad workmanship, lack of skill, negligence, and human errors.
  • Coverage begins from the commencement of work or after unloading of the first consignment at the project site, whichever is earlier.

Important to Note:

  • The premium depends on the type of project, sum Insured, duration of the project and the voluntary excess opted by the Insured.
  • The premium can be paid in installments when the policy period is more than 12 months.
  • The policy is subject to a compulsory excess and excesses under the policy depend on the type of construction work to be carried out.
  • The coverage terminates on handing over of the work to the principal or on expiry of the policy, whichever is earlier.

It is designed for projects related to buildings, Industrial units like cement plants, power plants, or automobile manufacturing units. It is for the erection and testing of manufacturing units or individual machinery.

Features & Benefits:

  • Coverage of the risks or hazards like fire, flood, or accidental damage involved during the erection period or testing, causing damage to the construction material.
  • Financial coverage to the engineering contracts in the event of an accident.
  • This policy offers comprehensive cover by covering risks that may arise during the erection or testing period.
  • Coverage of legal liability to third parties arising as a result of the project activity during the policy period.
  • The EAR policy can be availed for the entire project period starting from the arrival of material at the site, till the completion of testing and commissioning.
  • Premium can be paid in installments for projects of more than 12 months' duration.
  • By paying an additional premium, the policy can be extended to cover additional perils/expenses such as earthquake, terrorism, clearance, and removal of debris, third party liability cover, surrounding property of the insured, escalation provision, express freight, holiday, and overtime rates of the wages, air freight, additional custom duty, construction machinery plants and equipment, maintenance visits cover and extended maintenance cover.

Inclusions:
Tarjani Insurance covers all risks (with certain exceptions) involved during the following:

  • Storage
  • Assembly
  • Erection/Construction
  • Testing Against Fire
  • Lightning
  • Explosion/Implosion
  • Aircraft Damage
  • Flood
  • Storm
  • Landslide
  • Theft
  • Burglary
  • Storage
  • Riots or Strikes
  • Malicious Damage
  • Negligence
  • Lack of Skill
  • Collision
  • Impact dropping
  • Electrical/Mechanical breakdown during installation or testing.

Important to Note:

  • The insured shall immediately notify the company in writing indicating the nature and extent of loss or damages for claims.
  • The insured shall take all steps to minimize the extent of the losses.
  • Preserve the affected parts and make them available for inspection by a representative of the company.
  • Provide the insurance company with all relevant data and supporting documentation.
  • Inform the police authorities in case of loss or damage due to theft or burglary.

Machinery Loss of Profits Insurance Policy (MLOP) covers the main perils of electrical/mechanical breakdown, voltage surge, impact damage, etc.

Features & Benefits:

  • The amount is payable as indemnity when there is a reduction in turnover or when there is a gross loss due to low turnover or losses caused due to machinery damage.
  • The sum insured is to be declared as annual gross profits estimated during the policy period.
  • This can be arrived at by either considering gross profits on a difference basis which is (Revenue – Variable Expenses) or additions basis which is (Net Profit + Standing Charges).
  • The premium will depend on replenishment time required for equipment, availability of spare equipment, the criticality of the equipment, your contractual arrangements with suppliers, replacement time, ability to make up for the loss, and your profit forecasting pattern.
  • The policy will have an excess in terms of daily losses.

Marine Insurance

Designed for Businesses whose shipments are mainly coming from or going through Marine channels.

As per statistics, ships carry 90% of the world's trade. Marine cargo insurance offers coverage for the goods that are damaged or lost during transport via waterways. Any damage to the shipment as a whole or a part causes huge loss. Hence Marine Cargo Insurance is extremely essential to insure the losses incurred.

Features and Benefits:

  • Lowers the risk of financial losses.
  • The damage may be of any kind – natural calamities, fire accidents, delays in shipment, or any damage caused due to human error.
  • There are various types of Marine cargo insurance, you can obtain one depending on your requirements such as import, export, transit within Indian coasts, or single voyage.
  • Different policies are applicable on each of your shipments moving within Indian coasts or sailing overseas.
  • There are policies specific to particular shipments or particular vendors only.
  • A comprehensive policy includes every single shipment going out of your premises or coming in.
  • Some insurances allow you to take only one cargo or cover for a certain amount of time.
  • The premium rates are also carefully calculated according to the cost of the goods.

Designed for vessel or fleet owners.

Hull and Machinery Insurance insures fleet or vessel against any physical damage caused by the unpredictable natural conditions of the sea or any water body while the vessel is in transit. This insurance is usually for vessels traveling in oceans but is not limited to them. It can also cover the machinery or vessels used in any waterways. The scale of the vessel calls for huge repair costs and hence a Marine Hull and Machinery Insurance is of great significance.

Features and Benefits:

  • Lowers the risk of financial losses. Comprehensive insurance includes the fleet which is not in transit but is harbored on any coast due to unavoidable reasons and needs repair or replacement of parts due to natural wear and tear or malfunctioning.
  • A business can avoid being negatively impacted by the expensive repair and maintenance costs of the vessels with the use of marine hull and machinery insurance.
  • The premiums are determined after assessing the fleet or the vessels and anticipating the maintenance expenses.
  • Although the Policy bears most of the expense, a small part of repair or maintenance shall be borne by the owner as well.

Tarjani helps you understand these costs before you buy the policy.

Motor Insurance

Designed for private and commercial vehicle owners.

Motor insurance is essential for any private vehicles such as cars, bikes, scooters and commercial vehicles such as trucks and goods-carrying vehicles.

Motor Insurance Policy covers the Own Damage and the Third Party Liability . As per the Insurance Regulatory and Development of India (IRDA), an insurer cannot deny to underwrite third-party insurance and its mandatory under Motor vehicle act to run the vehicle on road. No Claim Bonus (NCB ) Shall be given for every claim free

Coverage under Own Damage: Consumable Expense, Depreciation reimbursement, Emergency Transport Hotel Exp, Engine Secure Key Replacement, Loss of Personal belonging, Tyre Secure and Roadside Assistance

No Claim Bonus is the reward granted to insured by the Motor Insurance Company if they do not register any claim during the policy tenure. The reward consists of a discount on the Own Damage Insurance Premium that can be applied at the time of a policy renewal. For every claim free renewal starting from 20%, 25%, 35%, 45% and up 50% NCB shall be provided. NCB can be transferred to another vehicle when the policyholder changes the vehicle.

Features and Benefits:

  • A comprehensive insurance covers damages to the vehicle caused due to Riot or Strike Fire, Burglary, Terrorism and Natural Calamities.
  • Coverage of third-party damages, meaning it covers the expenses incurred to a third person involved in an accident with the insurer's vehicle.
  • As per the Insurance Regulatory and Development of India (IRDA), an insurer cannot deny to underwrite third-party insurance.

Tarjani Insurance assists you with identifying the right premiums and policy in the market based on your vehicle kind and previous driving history.

Designed for motor traders, importers or motor transporters

Motor Trade Internal Risks provides flexible cover for a business dealing with vehicles. Whether full time or part-time, it's a requisite to insure the vehicles and properties in possessions.

Features and Benefits:

  • A trader may require insurance for vehicles that are not registered, for which the Motor Trade Road Risk and Internal Risk Insurance works to protect against – Fire, self-ignition, lightning, burglary, riots, natural calamities and more.
  • A comprehensive Motor Trade Road Risk and Internal Risk covers third party liability and damage to the vehicle when it is in possession or being transported.
  • Based on the value of the vehicles and the coverage required, we determine the rates and advise a suitable insurance for your company.

Miscellaneous Insurances

Designed to insure baggage that is taken on a single trip or multiple trips.

Features and Benefits:

  • Baggage Insurance insures the personal goods that you carry on a domestic or international trip.
  • You can insure the whole bag or specific contents of the bag like an expensive camera or a laptop.
  • Baggage Insurance covers the costs of the bag itself, the costs of the contents, carry-on bag costs, and any expense arising out of a delay from the airline.
  • You must inventory your bag's contents before every trip, in order to appropriately submit a claim later.
  • A legitimate claim is resolved fast, but if there is a contest over the insurance amount, it may take longer.

Designed for employers of all scales.

Fidelity Guarantee Insurance policy provides coverage against financial loss up to the maximum limit selected for insurance per employee. It is a coverage against financial loss brought on by employee fraud or dishonesty, concerning goods and services provided by the company.

Features and Benefits:

  • This policy comes in handy when sensitive information is leaked or goods are taken from the premises causing loss to the employer.
  • However, the loss caused by the employee has to be reported within a particular period of his or her dismissal /retirement or death.
  • This insurance protects the employer from the financial losses caused by the employee only and no other business losses.
  • Tarjani's insurance expert will help you through the process of identifying the risk, including high-risk employees or take group insurance in which their designations and risk covers are specific.
  • We also help arrive at the premiums based on the designation and the number of employees along with the risk cover per employee.

Designed for business owners.

Money insurance is a cover that compensates you against loss of money, including currency coins, bank, and currency notes, cheques, postal orders, and current postage stamps.

The policy covers the following situations:

  • Losses during transit of the money from the bank which is withdrawn for payment of wages or salaries.
  • Money in the personal custody of the insured or the authorized personnel of the employee whilst transit from the scheduled premises to the bank.
  • Money amassed and held in the personal custody of the insured or their authorized representatives during the course of travel to the bank's location.

Important to Note:

The time period should not exceed a predetermined period following the collection.

Designed to insure any damages that are caused due to malfunction of elevators.

Features and Benefits:

  • A Lift insurance policy covers all the damages or repairs incurred due to natural calamities or in other events such as fire, burglary, riots, terrorism activities, and more.
  • Tarjani insurance offers a comprehensive package policy with affordable premiums covering the charges related to the repair, replacement of parts, labor charges, and freight charges, that are applicable in case the parts are procured across the country.

Designed for establishments that extensively use cutlery and glassware.

Many establishments such as hotels, restaurants, theaters, showrooms, and offices use glass extensively and it's a major part of their structure. The wear and tear on glass are very common as they are fragile. Glass is very expensive and could be financially exhausting to replace frequently. Thus, to cover the cost of breakage, establishments need Plate Glass Insurance.

Benefits and Features:

  • Coverage of the damage caused by the riots, burglary, fire, natural calamities, terrorism, and more.
  • A comprehensive policy covers all the damage to your plate glass.
  • Based on the assessment we calculate premiums depending on the requirements and coverage to suggest an appropriate policy.

Designed to insure signboards and billboards that are used for display of brand ads.

Insuring them against any damage will reduce the risks of excessive expenses in reprinting and reinstalling.

Features and Benefits:

  • Coverage of damage to signs due to vandalism, electrical surges, or breakage during transportation, repair, installation, natural calamities, and more.
  • One can collectively insure all the signages put across a city to efficiently calculate the premiums & cover the cost of damages or replacement.
  • Tarjani Insurance recommends a suitable policy and calculates premiums based on the evaluation.

Consult our insurance expert for more details of specific conditions.

Designed for bicycle owners and cyclists.

Pedal cycle insurance covers repair costs in case of damage on the road whilst riding or damage caused due to vandalism, riots, and natural calamities, and in case of theft of the cycle.

Features and Benefits:

  • Coverage of the cost of the medical treatment in case of any injury caused due to an accident while cycling.
  • There is also a significant benefit amount given in case of permanent disability or death.
  • Tarjani Insurance calculates premiums and recommends the right policy after evaluating the cost of the cycle and estimating the charges of repairs or replacements of parts.

Consult our insurance expert for more details of specific conditions.

Package Insurance

Designed for showrooms and dealers of private & commercial vehicles.

This policy insures the automobiles from various factors like natural calamities, theft, and fire. Insurance extends to high-value replacement parts as well as the rights of your customers and employees.

Features and Benefits:

  • Coverage to all the stock and inventory, unlike automobile dealerships.
  • Tarjani crafts the best Automobile Dealer Package to insure the business.

The Automobile Dealer Package Insurance can be designed to cover:

  • Fire and Allied Perils Insurance
  • Burglary Insurance
  • Plate Glass Insurance
  • Neon Sign Insurance
  • Machinery Breakdown Insurance
  • Electronic Equipment Insurance
  • Employee Compensation liability
  • Public liability
  • Professional indemnity
  • Fidelity Guarantee Insurance
  • Damage to Customers Vehicles held in trust
  • Accidental Damage to Insured Own New Unregistered Vehicles

Unique Customization to Automobile Dealers by Tarjani:

  • Damage to Customers Vehicles held in trust - Liability on Dealer due to Damage caused to Or loss of Customer's Vehicles held in Trust, in connection with insured's line of Business, Covering all Risk unless specifically excluded. Loss adjustment without depreciation.
  • Damage to Insured Own New Unregistered Vehicles - Damage caused to or loss of Insured's Own New Unregistered Vehicles, Covering all Risk unless specifically excluded.
  • Professional Indemnity [Error and Omission] : Liability arising out of error and omission on performance of any act in connection with insured's Business or profession within India during the period of insurance

Designed for all scheduled cooperative and Nationalized Banks and their Indian branches.

The Bankers Indemnity Insurance Policy is designed for the banking sector as they deal with public money and are prone to high-risk situations.

Features and Benefits:

  • Coverage on loss of property in the insured premises as well as the cash or securities that are transported or are in transit.
  • Coverage against loss or destruction by fire, riot and strike, malicious damage, terrorist act, burglary, theft, robbery, or hold-up.
  • A comprehensive policy also covers one against financial loss from forgery, fraud, and dishonesty. The fraud may happen via the customer or the employee, either way, the bank is insured against such circumstances.
  • Every bank has a large number of Janatha Agents and Pygmy Collectors attached. An efficient policy also covers any loss due to dishonesty or criminal acts.
  • Although the policy might protect a banker's interests, it also has a number of exclusions.
  • Our team reviews the policy to assist you in receiving the whole claim.

Designed for Gold and Diamond wholesalers and retailers.

The Jewelers Block Insurance is essential for a Jewelry Business. The Jewellery Block Insurance ensures risk-free operations, which otherwise could be hampered due to burglary, natural calamities, terrorism, or malicious damages.

Features and Benefits:

  • Coverage for gold and diamonds that are within the store premises – display window, safe, showcase.
  • Coverage of the items when they are in the custody of insured partners, employees, and directors.
  • A comprehensive policy allows you to insure the items while in transit by air, angadia, registered posts, or parcel.
  • Coverage of your premises, furniture, and fixtures due to accidental damage.
  • Tarjani Insurances helps you arrive at the right premiums based on the market value of the jewelry, gold, or diamonds.
  • We also recommend certain security measures like strongholds, CCTV, or guards to bring down your premiums.

Important to Note:

We recommend consulting our team to assist you in correctly choosing the ideal policy that helps you protect your assets.

Designed to meet the complete insurance requirement of a Fuel Station.

This is a 360 degree insurance service, which can be customized as per the requirement

Petroleum Dealer Package Insurance offers you several options to provide you with complete safety in terms of property damage, theft, and natural calamities

Scope of Risk Cover:

  • Fire and Allied Perils Insurance with contamination.
  • Burglary Insurance
  • Loss due to wrong Fuelling and Decanting
  • Plate Glass Insurance
  • Neon Sign Insurance
  • Machinery Breakdown Insurance
  • Electronic Equipment Insurance
  • Money Insurance
  • Employee Compensation Liability Insurance
  • Public Liability Insurance
  • Fidelity Guarantee Insurance

Assets Covered

  • Building including plinth and foundation
  • Compound wall and retainer wall
  • Furniture and Fixtures
  • Electrical Equipment
  • Plant and Machinery
  • Plate Glass
  • Neon Sign
  • Stock of Petrol, Diesel, LPG, Lubricants, Tanker load and all such items related to the insured's line of business.

Features and Benefits:

  • Coverage to multiple businesses operating in the common premises.
  • Coverage to all of the inventory, personnel, and assets. In general, if you own many gas stations, you must obtain individual insurance, however, this is not necessary under this policy.
  • There are provisions to also insure you and your employees in the event of a medical emergency caused at the premises.
  • Tarjani Insurance assists you in the valuation of your products and assets and suggests a suitable premium.
  • We also make sure the insurance is flexible enough to cover employee dishonesty while operating the lucrative business.

We help you adhere to safety standards that bring down your premiums significantly.

Designed for LPG Gas Dealers.

This policy insures the LPG Gas dealer in case of loss of money in an unfortunate event. The policy may cover the full premises, building, fixtures, contents of the gas cylinders and employees.

Features and Benefits:

  • Coverage to the employees from accidental personal injury, property damage and include worker compensation.
  • It may also cover any loss incurred while transporting the material.
  • Tarjani Insurance assists you in the valuation of your products and assets and suggests suitable premiums.
  • We also ensure flexibility of the policy to cover the dishonesty of employees while running this lucrative business.

We help you adhere to safety standards that bring down your premiums significantly.

Designed for Hospitals and Healthcare Clinics.

We advise all hospitals to obtain a Comprehensive Hospital Package Insurance. It is an essential step to protect the hospital against huge losses and damages that may occur due to unpredictable reasons.

Features and Benefits:

  • We focus on obtaining insurance with lower premium costs and provide a strong defense in case the hospital is sued.
  • Coverage of liability insurance for its directors and officers.
  • Coverage of any Employee Practice Liabilities arising out of genuine errors made during treatments.
  • Coverage of the defense costs of any employee in case of errors and neglect.
  • Coverage of the insured premises, equipment, furniture, and any other items of value.
  • Coverage of loss of revenue and cost of replacement in case of sudden breakdown of equipment,
  • Tarjani Insurance ensures that every claim is reimbursed to the maximum and helps you navigate the complicated package system to deliver the best coverage with lower premiums.

The hotel and hospitality industry is increasingly being exposed to several new risks which fall outside the ambit of the traditional risk categories such as property risks, reputation risks/brand management, and political risks.

Features and Benefits:

  • Coverage against loss or damage due to fire, earthquake, flood, riot, etc. along with damage by burglary, and housebreaking (Theft following actual, forcible, and violent entry of and/or exit from the premises).
  • Coverage of loss of money in transit or in safety.
  • Coverage of loss of guest property, and breakage of plate glass.
  • Coverage for legal liability towards employees in respect of accidental death or bodily injury while working.
  • Coverage for any liability towards a third party in respect of accidental death or bodily injury including liability arising out of food and beverages supplied by the hotel/restaurant.
  • The Hotelier's Package Insurance can be customized as per your requirement.

Risk Covered:

  • Fire and Allied Perils Insurance
  • Burglary Insurance extension of theft without forcible means
  • Plate Glass Insurance
  • Neon Sign Insurance
  • Machinery Breakdown
  • Electronic Equipment
  • Portable Computer Insurance
  • Money Insurance
  • Employee Compensation Liability
  • Public Liability Insurance - Third Party Bodily Injury / Property Damage, Loss. Add on cover AOG Perils, Lift, Food and Beverages,Valet Parking and all such other risks otherwise specifically excluded.
  • Fidelity Guarantee Insurance: Financial Loss caused by dishonesty of Employees.

Designed for Temples, Temple Employees and Temple Events.

The Temple Package Insurance can be an annual policy or an event-based policy that covers a religious event for a duration of a few days. Earlier, temples were insured through ‘Public Liability Policy' but now we have better comprehensive policies that protect the temple property and their contents as well.

Features and Benefits:

  • Coverage of loss due to Fire, burglary and theft of valuable items within the temple premises.
  • A comprehensive policy can also insure the transport of cash donations from the temple to the bank or for safekeeping.
  • Coverage of third party damages.
  • Insurance companies are now rolling out Festival Insurance which can cover public liability and personal accident insurances for upto 200 people involved in the activities associated to the temple functions.
  • Tarjani Insurance negotiates to get the suitable premium on your behalf and suggests precautions to ensure you recover the loss.

Designed for SME Owners with individual or Multiple Stores.

The Shopkeepers Insurance or the Shop Insurance Policies are varied and can be customized based on your business requirement and liabilities.

Features and Benefits:

  • Coverage of the premises and the various materials and stock from burglary, fire, natural calamities, and more.
  • A well-crafted policy also protects the cash from robbery, theft, and other unforeseen events while it is kept on the counter, in the store safe, and while being transported to the bank.
  • Several businesses require third-party liability protection in case customers are negatively affected by the product.

The Shopkeepers Package Insurance can be complicated due to the availability of multiple plans with complex exclusion and coverage clauses.

Tarjani Insurance carefully examines your company, foresees potential insurance occurrences, and counsels you on the ideal policy package.

Designed for all kinds of Offices - Commercial Offices, Government Offices, Corporate Offices etc

Features and Benefits:

  • A good comprehensive package covers several unforeseen circumstances like fire, theft, burglary, machinery breakdown, etc.
  • Coverage of loss due to dishonest acts of employees, fraud, and misuse of official information.
  • Coverage of accidental death, injury, or disability of employees during the tenure of employment.
  • Coverage of third-party liability cover.

Tarjani Insurance thoroughly studies your organization, your risks, and your insurance requirement before designing the ideal office insurance package.

It insures the home-owners against damage and losses that affect their property and belongings against loss from fire, burglary, and natural calamities.

Features and Benefits:

  • A comprehensive policy covers precious items like art, valuables, jewelry, and portable instruments from accidental loss.
  • Coverage of the rent of alternate accommodation in case the entire home is destroyed.
  • Usually individuals obtain multiple insurances to cover all of their possessions. Tarjani Insurance helps you acquire a Single Package that covers the whole lot.
  • We also assist you to evaluate the value of the items.

This policy insures against the losses caused when imported goods arrive in damaged conditions.

Features and Benefits:

  • The sum insured for a specific transit insurance policy is calculated by taking the invoice value into account, freight cost, and incidental expense.
  • This policy applies to imports in India only. It can be taken as a rider to a Marine Insurance policy if the overseas transit has been covered by an insurance company abroad, but it has to be taken before the goods arrive in India.

Important to Note:

  • If the insured is required to pay the additional duty, he or she will be reimbursed for any additional customs duty payments made by the insured within the policy's validity period, in addition to any customs duty payments already factored into the affected articles' sum insured
  • The additional customs tax will reduce the limit of liability after the claim occurs unless additional premium is paid in order to reinstate it.

This policy protects against loss or damage to an immovable plant, machinery, and equipment used within the premises of the Insured, provided that such equipment is not licensed for road use.

Features and Benefits:

Coverage of the equipment, standard accessories, and parts damaged while in use on the premises by the following:

  • Accidental damage
  • Fire external explosion
  • Self-ignition or lightning
  • Theft accompanied by violent forcible entry upon the premises
  • Vibration
  • Maladjustment
  • Malalignment
  • Defective Lubrication
  • Abnormal Stress
  • Centrifugal Force such as explosion/implosion, impact, collision, and falling.
  • Excessive Electrical Pressure
  • Failure of Insulation
  • Short circuit arcing causing failure of protective devices.
  • Entry of foreign material due to lack of skill or negligence.
  • Coverage of any machine successfully tested and commissioned for normal production.
  • Coverage of all machines like turbines, compressors, air conditioners, lathes, presses, pumps, alternators and generators, switch gears and transformers.
  • It is necessary that the sum insured be equal to the cost of replacement of the machines by new machines of the same kind and same capacity, which shall include its replacement, or reinstatement cost, including freight, customs duties, if any, along with erection costs.
  • The Policy shall apply to the insured in the following circumstances, but in any case only after successful commissioning:
  • Whether they are at work or rest
  • Dismantled for cleaning or overhauling.
  • In the course of the aforesaid operations themselves.
  • Being shifted within the premises.
  • During subsequent re-erection.
  • In the event of loss, which is repairable, Tarjani will indemnify the necessary expenses to restore the damaged machinery to avoid further losses.
  • This will include costs involved in dismantling, freight, and assembly charges.
  • When the item is a total loss, the liability of Tarjani will be limited to the actual value of the damaged items right before the occurrence of the loss.
  • Value of Salvage, if any, will be deducted from the loss settlement.

Liability Insurances

Professional Indemnity Insurance protects professionals against claims of negligence or breach of duty made by a client as a result of receiving professional advice or services from your business.

Features and Benefits:

  • If a client alleges that you've made an error, overlooked a critical piece of information, misstated a fact, or have misinterpreted you in the course of your work, resulting in a client's financial loss. The client may file a lawsuit to recoup these losses against you. Whether the claim is accurate or not, professional indemnity insurance aims to safeguard your property, reputation, and personal belongings.
  • This policy helps you to operate your business without the stress of financial or reputational ruin.
  • The possibility of allegations being made against you may not necessarily be influenced by your level of expertise or skill. There is a possibility that a disgruntled consumer will hold you responsible. Even if you have no control over this, we make sure you have some influence over what happens next.
  • Regardless of the merit of a claim, this policy will pay for your legal defense as well as any judgments or settlements that you or your business may have to pay to compensate the suing party, up to the stated policy limits.
  • It is essential to cover oneself if you are a professional consultant or adviser, as you are more likely to get sued in case your advice works negatively on the client.
  • This coverage is necessary for an individual who provides professional advice or services to a business or individual, contractors looking to work for the government, and many organizations.
  • Examples of professions that need Professional Indemnity Insurance are: Health Professions, IT Contractors, Management Consultants, Accountants, Estate Agents, etc.

This policy provides coverage to a business for bodily injury, personal injury, and property damage caused by the business's operations, products, or injuries that occur on the business premises. The CGL policy offers a combined policy covering Public Liability as well as Product liability including Product recall. Public Liability covers third Party liability including Personal injury and property damages and Product Liability covers the legal liability that the manufacturer, supplier, vendor or seller (the insured) incurs as result of bodily injury or property damage caused by the use of their products after they are sold or supplied i.e. left their immediate control.

Features and Benefits:

  • It is a comprehensive business insurance, though it does not cover all risks a business may face.
  • There are two types of CGL policies:
  • 1. A claims-made policy that covers claims regardless of when the event took place.
  • 2. An occurrence policy where the event must take place during a specific period.
  • Companies can add other companies or individuals they contract with to their commercial liability insurance policy as an “additional insured.”
  • Commercial general liability policies have different levels of coverage. A policy may include premises coverage, which protects the business from claims that occur on the business's physical location during regular business operations. It may also include coverage for bodily injury and property damage that is the result of a product or service at another location.
  • Excess liability coverage can be purchased to cover claims that exceed the limit of the CGL policy.
  • In addition to commercial general liability policies, businesses may also purchase policies that provide coverage for other business risks.
  • For Example, the business may purchase employment practices liability coverage to protect itself from claims associated with sexual harassment, wrongful termination, and discrimination.
  • Coverage for errors and omissions made in financial reporting statements, as well as coverage for damages, resulting from the actions of its directors and officers.
  • A company may name other companies or personnels as ‘additional insured' in the policy. This is common when businesses enter into a contract with another entity.

    For example, if an automobile repair garage enters into a contract with ABC Co. to provide cleaning services, ABC Co. may require the garage owners to add themselves as ‘additional insured' in their insurance coverage.

    Examples of situations that would necessitate CGL include:

    • An injury caused to a customer as a result of slipping on a mopped floor at your business premises.
    • When a customer's home is inadvertently burned down by one of your electrical company's workers while they are there to install electrical wiring.
    • Accusations of libel or slander from a third party after viewing your advertisement.

Important to Note:

  • The business needs to differentiate between a claims-made policy and an occurrence policy.
  • A claims-made policy provides coverage for whenever a claim is made, regardless of when the claim event happened.
  • An occurrence policy is different as it covers claims where the claim event occurred during the time of the policy even if the policy is now expired.

D&O insurance policies offer liability cover for company managers to protect them from claims which may arise from the decisions and actions taken within the scope of their regular duties. D&O insurance has become a regular part of companies' risk management.

Features and Benefits:

  • Coverage of financial protection for managers against the consequences of actual or alleged ‘wrongful acts.
  • Coverage of the personal liability of company directors along with reimbursement of the insured company in case it has paid the claim of a third party on behalf of its managers to protect them.
  • Coverage is usually for current, future, and past directors and officers of a company and its subsidiaries.
  • D&O insurance grants cover on a claims-made basis. The claims are covered if they are made while the policy is in effect or within a contractually agreed extended reporting period, which can extend up to another 72 months or even longer in some countries.

It is liability insurance that insures companies against the full costs of a claim made by a client against a professional consultant, financial adviser, insurance agent, or lawyer.

Features and Benefits:

  • Coverage for both court costs and any settlements up to the amount specified by the insurance contract.
  • This policy is essentially for professional advice-giving or service-providing businesses.
  • Without E&O insurance, a company can be held liable for up to millions in damages plus the fees associated with a legal team.
  • Public Liability Insurance
  • E&O insurance helps mitigate or eliminate these potential liabilities.

    For example, a client may sue an adviser or broker after a failed investment, despite being aware of the risks involved. The court or arbitration panel may rule in favor of a broker or investment adviser, but the legal fees can be exorbitant, which is why E&O insurance is essential.

  • The benefits of E&O insurance vary greatly depending on the policy and issuing company.
  • Insurance brokers, insurance dealers, registered investment advisers, financial planners, and other financial professionals can obtain E&O insurance.
  • Regulatory bodies, such as the Financial Industry Regulatory Authority (FINRA), or company investors often require E&O insurance.
  • E&O insurance is also applicable to non-profit organizations, general maintenance companies, contractors, and engineering firms.
  • Any other company or professional who provides a service such as wedding planners and printers also needs E&O insurance.
  • Doctors, dentists, and other medical professionals also take out E&O insurance called malpractice insurance.
  • The cost of a policy depends on several factors including the kind of business covered, its location, and any previous claims that have been paid out in the past.
  • A person or company with numerous litigation problems has a higher underwriting risk and is likely to find E&O insurance more expensive or less favorable in its terms as a result.
  • This policy covers a substantial financial hit—even bankruptcy—depending on the company's finances.
  • It is essential for professionals or companies that are into consulting or provide advisories.

An example explaining the policy:

The Public Liability Act, of 1991 offers immediate relief to people affected by accidents resulting from the handling of hazardous substances and for matters connected to it through insurance by the owner who handles or controls these substances.

Features and Benefits:

  • Public Liability Insurance policy prepares you well for mishaps in the future.
  • This policy broadly covers the owner's statutory liability on the no-fault principle for the Death of or injury to any person or damage to property resulting from an accident while handling any hazardous substances.
  • Factors like gross annual turnover (Gross sales of all goods including all levies and taxes) and limits of indemnity are considered before calculating the amount of premium.
  • A matching amount should be contributed to the Environment Relief Fund.
  • Anyone (company, association, or firm) handling or controlling hazardous substances as mentioned in the Public Liability Insurance Act 1991 and the rules framed thereunder is eligible to purchase Public Liability (Act) Insurance.

Public Liability (Industrial and Non-Industrial) policies cover all sums that the insured becomes legally obligated to pay as damages to third parties as a result of claims for accidental death/bodily injury/disease and loss or damage to property. It covers sums arising from claims made against the insured in writing during the policy period, including legal costs and expenses incurred with the prior consent of insurers. It is always subject to the policy's indemnity limits and other terms, conditions, and exceptions.

Features and Benefits:

  • Compulsory excess is included in the policy.
  • Pollution risks can be covered at a nominal additional premium.
  • Multiple units along with the main premises can be covered at a nominal additional premium.
  • Coverage of supply of food and beverages, valuables, care and control, and transportation.
  • Coverage also includes extra facilities such as health clubs, aqua sports facilities, beauty parlors, and hazardous sports.
  • At an additional premium, convulsions of nature could be covered.

Cyber Liability Insurance is designed to protect commercial businesses from a wide range of first and third party liability arising from cyber exposures associated with e-business, the internet, networks, and information assets.

Companies that have access to private and confidential information about their customers must keep it secure. Similarly, companies with a web presence or a reliance on technology face emerging content and transactional risks.

The risk of cybercrime is steadily rising. Security/data breaches affect millions of records each year, and reports of breaches are increasing at an alarming rate.

Examples include the introduction of viruses and unauthorized access.

Features and Benefits:

  • Coverage of financial losses that result in data breaches and other cyber events.
  • Coverage for data breach/privacy crisis management expenses related to the management of an incident, investigation, remediation, data subject notification, call management, credit checking for data subjects, legal costs, court attendance, and regulatory fines, multimedia/media liability.
  • Coverage of third parties include specific defacement of websites and intellectual property rights infringement.
  • Coverage of losses due to a threat of extortion and professional fees related to dealing with the extortion
  • Coverage for third-party damages resulting from a denial of access to data on third-party suppliers, as well as costs associated with data theft on third-party systems.

The Carrier Legal Liability Insurance Policy is intended to indemnify the insured against the legal liability for physical and actual damage or a loss of merchandise or goods caused by an accident or fire to the vehicle registered under the policy number at the time when the merchandise is transported in the mentioned vehicle.

Carrier Legal Liability Insurance Policy reimburses for all of the expenses. The insured can legally avail it as compensation for physical destruction, loss, or damage to goods or merchandise while in transit, as well as during loading or unloading or while temporarily housed on or off vehicles in the normal course of business.

Features and Benefits:

  • The coverage begins with the loading of cargo on the vehicle and will be in effect until unloading of the cargo at the discharging point or at the end of 7th day, whichever might take place first.
  • There are various carrier legal liability insurance companies in India, from where you can easily buy the plan as per your requirements without any hassle.
  • Coverage of a number of risks and damages related to the goods or vehicle while in transit. Such as loss of or damage to cargo directly caused by fire, explosion or accident to the carrying vehicle.
  • Coverage of any financial loss resulting from the lost freight in connection to the damaged part of the cargo, carrier's liability for cargo, legal and other costs incurred in the litigation against the claimants.
  • Coverage of costs of average adjusters, breakage due to indecent handling, cargo salvage, transshipment, emergency storage costs, flood or water damage or damage by other cargo.

Employee Compensation Insurance policy is designed to protect businesses from the risk of exorbitant lawsuits and large compensation payouts.

TIt is a common way for an employer to demonstrate its ability to meet the obligations imposed by employee compensation statutes.

The compensation is payable under a scheme set out in the Employee Compensation Act of India, monitored by the Ministry of Labor. The Employee Compensation Insurance policy of Tarjani has coverage under Employee Compensation Act, 1923, Common Law, and Fatal Accidents Act, 1855.

Features and Benefits:

  • Coverage to all the employees of an organization against death, permanent total disablement, permanent partial disablement, temporary total disablement, legal expenses, and cost incurred with the company's consent.
  • Coverage of employees under the Doctrine of Notional Extension in case of death or injury that may arise out of and in the course of employment.
  • Coverage of contractual employees as an extension if they are specifically declared under the policy.

Farmer Insurances

Designed for Fish Farmers and Aquaculture Companies.

Aquaculture insurance is a relatively new product that is available to licensed fish farmers and businesses. It safeguards the property, the tools, and the product.

Features and Benefits:

  • The fish or shrimp farms are insured against death of the product and losses caused by unexpected changes in weather, pollution from external sources and natural calamities.

Designed for Inland Freshwater Fish Farmers.

Inland Freshwater Fish Insurance is available for licensed fish farmers and companies. It insures the premises, tools and fish.

Features and Benefits:

  • The fish is insured against death and loss of income caused by unexpected changes in weather, pollution from external sources and natural calamities.

Important to Note:

  • The business needs to differentiate between a claims-made policy and an occurrence policy.
  • A claims-made policy provides coverage for whenever a claim is made, regardless of when the claim event happened.
  • An occurrence policy is different as it covers claims where the claim event occurred during the time of the policy even if the policy is now expired.

Designed for licensed Seri-culturists or Mulberry Silk Worm Farmers.

The Sericulture Insurance was created to protect the farmers against repeated loss due to unforeseen circumstances like natural calamities and diseases like Grasserie, Flacherie, Mascardine, Pebrine and attack of Uzifly.

Designed to provide insurance for Layer Birds, Broilers and Hatchery birds.

The poultry business is a lucrative business, however, if disaster strikes it can make huge losses. To protect farmers from loss, the Poultry Insurance was created, where 80% of the insured value could be claimed in the event of death of the poultry

Individuals who own cows, bullocks, or buffaloes of either sex are covered in this policy.

The insurance can be bought by the people who are Members (in groups) of Micro Finance Institutions, Non-government organizations, government sponsored organizations and affinity groups / institutions in the rural and social sector.

Features and Benefits:

  • Coverage of the death of cattle insured whilst within a geographical area specified in the policy schedule.
  • Coverage of loss of life, accident or diseases contracted, surgical operation.
  • Coverage of death of cattle caused outside the said geographical area in the event of drought, epidemics and other natural calamities.
  • Coverage of risk of permanent and total disablement of cattle.
  • All benefits are subject to a maximum amount as stated in the policy. These will be clearly noted in any quotation released or any policy issued

Important to Note:
It is essential that a veterinary doctor or surgeon certifies the cattle's good health and free of injury or disease.

Designed for individuals, groups or cooperative bodies who own sheep and goats.

The sheep and goats need to be between a certain age bracket to be eligible for the policy

Features and Benefits:

  • Coverage of sudden and unforeseen death of animals due to fire, lightning, explosion/Implosion.
  • Coverage to native, crossbred and exotic goats and sheep and offer packages for large groups of sheep and goats.
  • All animals are insured for their current market price which is assessed jointly by the policyholder and an authorized medical practitioner.
  • Tarjani Insurance helps you arrive at the right premium by giving you suggestions of inoculations, certificates and tagging.
  • We also educate you on the exclusions of the policy and advise you to take extra measures to protect the farm.

Designed for owners of Native, cross-bred and exotic pigs.

The Pig Insurance policy has a relatively short coverage time for Pigs. Hence, the owner should be prompt in protecting their livestock.

Features and Benefits:

  • Coverage of accidental deaths caused due to fire, explosions or natural disasters.
  • The pigs are insured for their current market price which is assessed by the policyholder and an authorized medical practitioner.
  • Tarjani Insurance helps you arrive at the right premium by giving you suggestions of medical practices, certificates and tagging.

Designed for Migratory and non-Migratory birds and duck farms.

Coverage over death caused by accident or basic diseases such as duck Influenza, duck Ornithosis or viral hepatitis that might occur during the period of insurance. Tarjani Insurances guides you in the right direction with inoculations, precautionary measures and the procedures to ensure that you pay the right premiums and receive the best coverage for your ducks.

Designed for Rabbit owners and breeders.

The Rabbit Insurance Policy comes with basic coverage over death caused by accident or basic diseases occurring during the period of insurance. However, many exclusions deserve your attention.

Tarjani Insurance assists you in taking the necessary precautions such as inoculations and tagging so that you receive a positive report from the veterinarian. This lowers your premium and ensures that you receive the full claim amount when needed.

Important to Note:

  • Rabbits cannot be insured until they are at least 30 days old.

Designed to protect coconut plantations and farmers.

This policy was developed to protect farmers from loss of cultivation. Coconut cultivation is a lucrative business, but it involves risks like climatic changes, natural disasters, insects and pest attacks.

Features and Benefits:

  • At times when complete cultivations are wiped out, financial assistance may be offered to stabilize the income of coconut growers.
  • There are several conditions for the eligibility of Coconut Plantation Insurance and Tarjani helps you navigate all of them, with ease.
  • There are different premiums and coverages for dwarf, hybrid palms, tall palms as well as palms around the boundary area.

Designed for owners of Native, crossbred and exotic dogs that are pet dogs, watchdogs, sheepdogs and hunting dogs.

Features and Benefits:

  • Coverage of death due to accidental death or diseases.
  • A comprehensive policy will cover death during transit, breeding and whelping risk, stealing, third party liability and medical expenses.
  • Several exclusions should be cautiously taken into consideration when selecting a policy.
  • Tarjani Insurances guides you in the right direction with inoculations, tagging and precautionary measures to ensure that you pay the right premiums and receive the best coverage.

This is a cover for all indigenous, cross-bred and exotic drought and half drought animals used for carrying weight, cart work, marriages, drawing sulks, coaches, vans and utilized for farm work.

The risks covered include death as a result of an accident or disease contracted or occurring during the period of insurance, subject to the policy's terms, conditions, and exclusions.

Designed for Camel Farmers.

Features and Benefits:

  • A comprehensive policy covers the death of the camel as well as permanent disability due to fire, accidents, snake bites or poisoning, natural calamities and more.
  • Tarjani Insurances guides you in the right direction with inoculations, precautionary measures and the procedures to ensure that you pay the right premiums and receive the best coverage for your camels.
  • We also assist you in understanding exclusions of each policy, such as death due to neglect, a lack of vaccination, or a lack of nutrition.

Important to Note:

  • It is essential to get the receipt of payment and medical certificate from the veterinary doctor and identification tag of the camel prior to insurance.

Designed for elephants used for commercial and religious purposes.

The elephant insurance insures the life of the elephant against sudden death due to disease or accident.

Features and Benefits:

  • A comprehensive policy cover covers permanent disability due to fire, accidents, snake bites or poisoning, natural calamities and more.
  • Tarjani Insurance guides you in the right direction with inoculations, precautionary measures and the procedures to ensure that you pay the right premiums and receive the best coverage for your elephants.
  • We also assist you in understanding exclusions of each policy, such as death due to neglect, a lack of vaccination, or a lack of nutrition.

Important to Note:

It is essential to get a medical certificate from the veterinary doctor and identification tag of the elephant prior to insurance.

Designed to cover all types of carts driven by animals like bulls, buffaloes, camels, horses, mules, donkeys, etc.

The Animal Driven Cart / Tanga Insurance protect the owners of the cart against fire, natural calamities in the following 4 ways:

  1. Coverage of sudden death or disability of the animal.
  2. Coverage of the cart or carriage itself.
  3. Coverage of third-party liability in the event of an accident.
  4. Coverage of the cart driver against death or disability.

Tarjani Insurance helps you through this process by providing you with information about the exclusions, certifications, tagging and more.

Designed for owners of Centrifugal Pump sets and submersible pump sets used for agriculture.

Features and Benefits:

  • Coverage of any kind of accidental breakdown, fire, theft and malicious damage.
  • An add-on policy would also cover flooding.

Designed for farmers, sharecroppers and tenant farmers to protect against loss of food crops, oil seeds, commercial and horticulture crops.

Features and Benefits:

  • To protect the interests of the farmers the Pradhan Mantri Fasal Bima Yojana was introduced in 2016 to provide comprehensive risk protection and cover yield losses due to natural calamities, pests, diseases and more.
  • The scheme encourages modern farming techniques by stabilizing the income of farmers and ensuring their continuance in farming.
  • Tarjani Insurance helps you evaluate your earnings, value of your crops and helps in estimating the correct premiums for you. In the event of a crop loss we also help you claim the full committed amount.