Any Insurance Policy required for insuring assets owned by & risks associated to Individuals fall under "Personal Insurance". These usually form the second largest portion of Insurance Sales in India.

The product ranges from the much demanded "Health Insurance" and extends to the other personal insurances such as "Accidental Insurance", "Travel Insurance", "Home Insurance", "Personal Liability Insurance", "Appliances Insurance" and "Life Insurance". There are hundreds of closely related policies offered by different insurance companies. Proper professional advice is required to select an appropriate product.

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Industries and Organizations run with the help of several tangible and intangible assets which helps them in generating revenues. These assets carry a varied risk component based upon their propery and class.

Asset Insurance compensates the insured owner against any mis-happ covered in the policy. These include Fire Insurance, Burglary Insurance, Marine Insurance, All Risk Insurance, Consequential Loss Insurance, Machinery Break Down, Electronic Equipment Insurance, Project Insurances etc. There is a high industrial demand of these products and sometimes having them is a compulsion.

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In the ocean of General Insurance, new developments and demands arise very frequently because of which, new products are more often designed and floated by different insurers. Customization in existing products is also practiced to prevent them being obsolete.

Businesses are exposed to vairious legal and professional liabilities which are to be covered to escape their big financial damage. This is done through policies like Director's & Officer's Insurance, Public Liability Insurance, Workmen Compensation Insurance, Professional Indemnity Insurance, Product Liability Insurance and many others. The settlement is mostly done through the court of law and honored by insurance companies.

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