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Pick the one you need! With a full range of all possible insurance services imaginable, we’re offering you what thousands of our clients have already praised! Since our founding days we’ve transformed from a small insurance office to an established firm.
Health Insurance
Health Insurance pays the large expense that can be incurred when you or a family member, see doctors, go to the hospital, or require other costly medical services. Medical insurance allows you to obtain high quality medical care without severe financial hardship to your family. Health Insurer offer In-Patient (IPD) cover with option of Out-Patient(OPD) cover with coverage up to age 80 at most. Health insurance plans provide coverage from basic cover to include major medical depending on the premium payable but excludes pre-existing conditions.
Health Insurance pays the large expense that can be incurred when you or a family member, see doctors, go to the hospital, or require other costly medical services. Medical insurance allows you to obtain high quality medical care without severe financial hardship to your family. Health Insurer offer In-Patient (IPD) cover with option of Out-Patient(OPD) cover with coverage up to age 80 at most. Health insurance plans provide coverage from basic cover to include major medical depending on the premium payable but excludes pre-existing conditions.
Health Insurance pays the large expense that can be incurred when you or a family member, see doctors, go to the hospital, or require other costly medical services. Medical insurance allows you to obtain high quality medical care without severe financial hardship to your family. Health Insurer offer In-Patient (IPD) cover with option of Out-Patient(OPD) cover with coverage up to age 80 at most. Health insurance plans provide coverage from basic cover to include major medical depending on the premium payable but excludes pre-existing conditions.
Construction All Risk Insurance
The Construction All Risks Insurance offers comprehensive coverage for all types of civil construction risks. This policy covers physical loss or damage to property, as well as third party liability related to work conducted on the contract site.
The coverage for physical loss or damage to property is on an “All Risks” basis, i.e. the policy insures against damage to property in the course of construction by all sudden, accidental and unforeseen causes other than specified excluded perils and forms of damage. This cover includes works brought on to the site for the purposes of the contract as well as temporary works erected or constructed on-site. Additionally, the policy includes coverage for physical loss or damage to construction plant & machinery, equipment and tools used per the insured contract.
This policy also includes third party liability coverage. This insures against accidental bodily injury or illness to third parties as well as accidental loss of, or damage to property belonging to third parties, caused by an accident at the construction site. The policy also indemnifies for legal costs and expenses recovered by a claimant from the insured.
Auto Insurance
Auto Insurance protects the policyholder against financial loss in the event of an incident involving a vehicle they own, such as in a traffic collision.
Coverage typically includes:
- Property coverage, for damage to or theft of the car;
- Liability coverage, for the legal responsibility to others for bodily injury or property damage;
- Medical coverage, for the cost of treating injuries and rehabilitation expenses.
- Bail bond coverage for the driver in event of death of third party involved in accident.
Golf Insurance
Golf is the only game that makes you feel good about scoring low on a regular basis but can be quite expensive if your clubs and other equipment are lost or stolen. If you add to this the risks of having to pay out substantial damages if a loose swing causes injury to someone on the course, then golf insurance is definitely something you should have in your golf bag.
Coverage Available
- Legal liability
- Personal Accident
- Golfing equipment
- Hole in one
Fire Insurance
Standard fire policy usually covers fire and lightning damage to property, subject to some exceptions where insured can ask to cover additional named perils such earthquake, explosion, electrical injury, windstorm, water damage, flood, vehicle impact, vandalism and malicious act, riot, and strike by paying an additional premium.
All Risk
Insurance that covers each and every loss except for those specifically excluded. If the insurance company does not specifically exclude a particular loss, it is automatically covered. This is the broadest type of property policy that can be purchased. For example, if an insurance policy does not specifically exclude losses from wind damage, the insured is covered for such losses.
Home Insurance
Home Insurance provides coverage for damage or destruction of the policyholder’s home. In some geographical areas, the policy may exclude certain types of risks, such as flood or earthquake, which require additional coverage. Maintenance-related issues are typically the homeowner’s responsibility. The policy may include inventory, or this can be bought as a separate policy, especially for people who rent housing. Some insurers offer a package which may include liability and legal responsibility for injuries and property damage caused by members of the household.
Industrial All Risk Insurance
This policy is a Comprehensive Package Policy which covers almost all risks and perils, which a large industry may face during its operation. This policy covers Buildings, Machinery, Furniture, Fixtures, Fitting & electrical installations on Reinstatement value, while the stock is covered on market value basis. Under insurance on each item of the schedule will be ignored if it does not exceed 15% of sum insured.
Life Insurance
Life insurance policy is a contract between the named insured and the insurance company wherein the insurance company agrees to pay an agreed upon sum of money on maturity of policy or in event of untimely death of the insured to the named beneficiary, so long as the insured’s premiums are paid current. People take out life insurance policies for a number of reasons.
Life insurance correctly planned will on premature death provide funds to deal with monies due, mortgages, and living expenses. It offers protection to the family you leave behind and serves as a cash resource.
Marine Insurance
The Marine Cargo policy indemnifies the insured for physical loss, damage, expenses and liability to the goods insured during direct transit from the time the goods leave the warehouse, or place of storage to the final port of discharge or warehouse. If you are an importer or exporter and have regular shipment by sea or air then you should opt for marine open cover that provide automatic protection for all shipments falling within the open cover.
Marine cover may be affected by either buyer or seller of goods depending on the terms of the contract of sale.
The types of contracts entered are
- Free on Board (FOB): buyer effects the insurance
- Cost on Freight (C&F): buyer effects the insurance.
- Cost Insurance and Freight (CIF): seller effect the insurance
Personal Accident Insurance
Personal Accident Insurance covers your medical expenses from an accident with reimbursement based on actual expenses incurred but no over the limit specified in the policy, a monthly amount payable for total permanent disability or a lump sum payment for loss of life from an accident. The basic cover is Death, Dismemberment and Permanent Disability due to accident.
Travel insurance
Travel insurance is an insurance that literally covers medical expenses, financial and other losses which are incurred while traveling outside the country.
Travel insurance offers coverage for a variety of travelers like leisure travel, student travel and business travel. The most common risks covered by travel insurance are medical expenses, emergency repatriation, trip cancellation/interruption, accidental death, injury or disablement benefit, overseas funeral expenses, curtailment, delayed departure, loss, theft or damage to personal possessions and money (including travel documents), and delayed baggage. (pre-existing medical conditions are not covered)
Single trip travelers insurance offers coverage for you and your family for a holiday or a single trip intend to travel. It covers trip cancellation/interruption and medical travel insurance for the period of your travel. Some companies do not offer this package. However, additional coverage can be offered as a part of the package or is your choice to incorporate it.
Annual Travelers Insurance
Travel insurance plans offered yearly are known as annual travel insurance. These plans are for a longer period and offered to those who travel frequently to different destinations of the world. However, the limit of days and number of trips are specified by certain companies.
There are a number of travel insurance plans with distinguishing rates and facilities. A suitable insurance policy is an inseparable part of your trip and gives you peace of mind. You can opt for the specific plans according to your budget requirements.
Miscellaneous Insurance
- Boiler Insurance
- Cash Insurance
- Erection All Risk Insurance
- Golf Insurance
- Liability Insurance
- Workmen Insurance
About Us
Narula Insurance Broker is a company with long tradition and expertise in the profession of insurance. We've been in this business for more than 50 years & are well reputed among insurance companies for our volume, experience and service.
Our Services
- Auto Insurance
- Health Insurance
- Life Insurance
- Golf Insurance
- Home Insurance