Protect your valuable assets and secure your business operations from unexpected losses.
At InsurePlus, our Non-Life Insurance products are designed to give you peace of mind by covering your properties, vehicles, liabilities, and other essential assets against accidents, natural disasters, or unforeseen events.
We offer a wide range of coverages tailored for individuals, families, and businesses — ensuring financial stability when it matters most.
1. Bonds Insurance
Bonds are low-risk investments that offer steady, predictable interest income in exchange for lending money to governments or companies.
Ideal For
- Investors who prefer stable and safe returns
- Those with low to moderate risk tolerance
- People building a diversified portfolio
- Individuals preparing for retirement
Key Benefits
- Regular and predictable income
- Lower risk than stocks
- Capital preservation
- Diversification for long-term planning
2. Comprehensive General Liability
Comprehensive General Liability (CGL) insurance provides financial protection for businesses against claims of bodily injury, property damage, and personal or advertising injury caused to third parties. It helps cover legal expenses, settlements, and damages, ensuring business continuity and protection from unexpected liabilities.
Ideal For
- Small to large business owners
- Companies with customers visiting their premises
- Businesses that work on client locations
- Companies seeking to protect against lawsuits and claims
- Organizations needing contractual liability coverage
Key Benefits:
- Covers bodily injury and property damage to third parties
- Includes legal defense and settlement costs
- Protection from personal and advertising injury claims
- Helps maintain business continuity and financial stability
- Meets many contract and client requirements
3. Fire and Property Insurance
Fire and Property Insurance protects homes, buildings, and business assets against loss or damage caused by fire, natural disasters, theft, and other covered risks. It ensures financial recovery by helping repair or replace damaged property.
Ideal For
- Homeowners who want to protect their property and belongings
- Business owners with physical assets, equipment, or inventory
- Landlords and property investors
- Companies with offices, warehouses, or commercial spaces
Key Benefits:
- Covers damage from fire, lightning, and explosions
- Protection against theft, vandalism, and natural disasters (depending on policy)
- Helps with repair or replacement costs
- Safeguards both residential and commercial properties
- Ensures financial stability after unexpected losses
4. Engineering Insurance
Covers construction projects, machinery, and equipment against accidental loss or damage, protecting contractors, engineers, and project owners from financial risks.
Ideal For
- Construction companies & contractors
- Project owners & developers
- Engineering firms using machinery
- Businesses in infrastructure or industrial projects
Key Benefits
- Covers accidents, fire, theft, and natural disasters
- Protects ongoing construction projects
- Reduces financial loss and downtime
- Ensures project continuity and compliance
5. Marine Insurance
Marine Insurance provides coverage for goods, cargo, and vessels against loss or damage during transit, whether by sea, air, or land, ensuring financial protection for shipments and transport operations.
Ideal For
- Exporters and importers
- Shipping companies and freight forwarders
- Businesses transporting goods locally or internationally
- Companies seeking protection for cargo in transit
Key Benefits:
- Covers loss or damage to goods and cargo
- Protects against marine perils, accidents, and theft
- Ensures financial compensation for transit-related losses
- Provides peace of mind for domestic and international shipments
- Helps maintain business continuity in logistics operations
6. Motor Car Insurance
Motor Car Insurance provides financial protection for vehicles against accidents, theft, fire, or damage, ensuring the owner can repair or replace their car without major financial burden.
Ideal For
- Individual car owners
- Fleet owners and transport businesses
- Drivers seeking protection against accidents or theft
- Anyone who wants to comply with mandatory insurance requirements
Key Benefits:
- Covers accidental damage, theft, and fire
- Provides liability coverage for damages to third parties
- Ensures financial protection and peace of mind
- Helps comply with legal and regulatory requirements
- Reduces unexpected repair or replacement costs
7. Personal Accident Insurance
Personal Accident Insurance provides financial protection in case of accidental injury, disability, or death, helping individuals and their families cover medical expenses and loss of income.
Ideal For
- Individuals seeking financial security against accidents
- Families looking to protect their loved ones
- Employees or professionals exposed to workplace or travel risks
- Anyone who wants supplementary protection to health insurance
Key Benefits:
- Covers accidental death, permanent or partial disability
- Provides medical expense reimbursement
- Ensures financial support for families
- Offers peace of mind for everyday activities
- Can complement other insurance policies
8. Miscellaneous Casualty Lines
Miscellaneous Casualty Lines Insurance provides coverage for various specialized risks not included in standard liability policies, protecting businesses and individuals from unexpected financial losses due to accidents, damages, or legal liabilities.
Ideal For
- Businesses with unique or specialized operational risks
- Professionals requiring tailored liability coverage
- Companies seeking protection beyond standard insurance
- Individuals or organizations exposed to specific accidental or third-party risks
Key Benefits:
- Covers specialized and unique risks
- Provides protection against legal liabilities
- Ensures financial security for unforeseen events
- Complements existing insurance policies
- Helps maintain business continuity and operational stability
