Shivay HR Consulting

Insurance Services

Insurance Services

Shivay HR Consulting is providing all Insurance products under its umbrella – Life Insurance and General Insurance.   Be it Life Insurance, Motor/Vehicle Insurance, Medical Insurance,Corporate Insurance, Keyman Insurance, Group Insurance (Accident or Medical) or Individual Insurance.     In case of any requirement related to any type of Insurance you may please send us an inquiry at -  ashok@shivayhr.com


Insurance Products for Corporates  :


1.    Keyman Insurance
2.    Group Personal Accident Insurance
3.    Group Medical Insurance
4.    Workmen Compensation Policy


Insurance Products for Civil, Mechanical & Electrical Contractors :
1.    Contractors’ All Risk Insurance  (CAR)
2.    Erection All Risk Insurance   (EAR)
3.    Workmen Compensation Insurance (Workmen Compensation Act)
4.    Public Liability Insurance
5.    Any other Policy required as per legal requirements


Insurance Products for Builders & Infrastructure Projects  :


 1.    Contractors’ All Risk Insurance (CAR)


2.    Erection All Risk Insurance (EAR)
3.    Workmen Compensation Insuraction (Workmen Compensation Act)
4.    Public Liability Insurance
5.    Any other Policy required as per legal requirements


Insurance Products for Societies, Building, Property, Household Items, Factories, Showrooms, Jwellers  :



1.    Factory Insurance (Building & Material & Plant and Machinery Insurance
2.    Society Building, Boundary Wall, Flats and Plant & Machinery Insurance
3.    Jewellers Insurance (Jewellery & Cash) in showroom and in Transit
4.    Showrooms (Any types of Goods/Items) Insurance


Commercial Buildings, Offices, Malls, Factories, Warehouses etc. and their contents are exposed to Acts of God, fire, explosions, riots etc. Property Insurance protects a policy holder from financial repercussions of losses to assets like buildings, plants & machinery, stocks, electronic equipment etc.


Marine Insurance / Transit Insurance :


 We all know, irrespective of the transportation mode, risks are involved in transporting cargo from one place to another. Maritime and natural perils, weathered railway tracks, pothole-ridden roads, natural calamities, mishandling of cargo, unpredictable and man-made situations may damage or destroy cargo transported. Marine Cargo insurance safeguards against various types of losses or damages that may arise during cargo transportation.  In the eventuality when goods are damaged, destroyed or stolen, a marine insurance claim needs to be filed with the insurance company.


Damage to and theft of goods during transit is not unknown. The Transit Insurance policy provides cover for any goods when in transit including temporary warehousing.


Commercial General Liability Insurance (Third Party Insurance) :


 CGL covers Third party Liabilities arising from various business exposures such as those arising from Premises, Products, Advertising and Personal injury. E.g. injury sustained by a potential customer whilst at the premises of the insured. The injury would be due to a fall on a freshly mopped floor, slipping down the stairs or due to a fire incident in the premises.


Life Insurance Products  :


1.    Term Insurance
2.    Traditional Life Cover Insurance with Money Back (different products depending upon individual needs)
3.    Pension Products covering Life Risk Cover
4.    ULIP Products with very attractive income tax free returns
5.    Insurance with lucrative returns to cover children higher studies expenses
6.    Other Life Insurance products as per individual earning capacity and needs


General Insurance :


1.    Personal / Private Motor/Car/Vehicle Insurance  - Two Wheeler & Four Wheeler
2.    Commercial Vehicle Insurance – Light, Medium and Heavy Vehicles
3.    Medical Insurance – Individual (Single) & Floater (Family Coverage) depending upon need and requirement


The policy is split up into 3 coverages as follows:


1.    Coverage A – This covers the damages because of bodily injury and property damage claims that may be made on the insured.
2.    Coverage B – Under this section, the insurance company pays those sums that the Insured becomes legally obligated to pay because of Personal and Advertising injury liability.
3.    Coverage C – extends to Medical Payments wherein the insurance company agrees to pay medical expenses upto a particular limit for bodily injury caused by an accident on the premises owned or rented by the insured or because of his operations.  These payments are made regardless of fault.
The policy covers businesses against :
4.    Legal liability of the insured towards damages to the third party in respect of accidental death, bodily injury or loss of or damage to property.
5.   Legal costs and expenses incurred by the Insured with prior consent of the Company.

Directors’ & Officers’ (D&O) Liability Insurance  :


Directors & Officers Liability is the liability of corporate board members and officers arising out of their actions pertaining to their management duties of the company.
Directors’ & Officers’ Liability Insurance insures the personal assets of directors and officers from lawsuits arising out of their capacity as directors or officers of the company.


Litigation can come from:



  • Shareholders and other investors
  • Creditors
  • Lenders
  • Customers
  • Statutory Authorities
  • Employees
  • Competitors

The policy pays for the legal expenses and the court awards against the directors and officers.


In case of any requirement related to any type of Insurance you may please send us an inquiry at -  ashok@shivayhr.com .  We would be providing/ suggesting you the best products on the basis of your financial planning, budgeting and future based requirements.


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