Employee is the most important asset of any company so does Employee benefit related offering & policies in company. Solid Employee Benefits helps to attract and retain talent in company. Among of all Employee benefit related policies, Employee Benefit Insurance policies take the significant place. Because it shows that company is investing not only their Health or current financial state but also on their future.

Property Insurance refers to many kind of insurance products such as Fire Insurance, Burglary Insurance etc which are usually taken to cover financial loss against physical damage/lost to Property asset of an insured such as building construction cost, plant & machinery & stocks etc. Such insurances are majorly significant for those insured who are in business of manufacturing, construction or any other industry such as retailers, traders, agricultural etc where business income is dependent on physical asset of some nature.

Marine Insurance is the oldest form of insurance which is due to the fact that Product i.e Goods will always be required from one place to another. So, if any loss or damage occurred to goods then either of party (Seller or Buyer) is going to bear financial cost of same. Now a days, transit of goods is not restricted between seller & buyer but also has taken many forms such as Trading, Capital movement within this organization, mobilization of plant & machineries from project site to another.

Today, business transaction & its structure has taken many complex ways on its occurrence and formation. Therefore, every Company is surrounded by legal liabilities & consequential penalties in respect to every business decision, transaction, execution, internal/external policies that they make. These legal liabilities may occur from their commercial operations, from the product that they make, from their own employees or from their customers.

As per study, End of fiscal 2018, India was fourth largest automobile manufacturer in the world with record 30.92 million motor vehicles manufactured in this fiscal. With growing count of motor vehicle consumers, Automobile/Motor insurance consumers have increased exponentially. This growing need of automobile insurance does not only come from law where it compulsorily binds automobile owners to take third party liability insurance but equally all such consumers also pays premium for covering their vehicle against physical damage(OD-own damage).