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Pratik Devang18 Aug 2026

Manufacturing Insurance: Start With the Maximum Loss, Not Just the Value of the Factory

A manufacturing unit may contain buildings worth several crore and machinery worth even more. Yet the largest financial impact of a fire may not be the physical damage alone. If production stops for three months, the business may continue paying salaries, loan commitments and other fixed costs while losing revenue. This is why manufacturers should consider both property damage and the financial consequences of downtime. What Is Manufacturing Insurance? Manufacturing businesses commonly requi

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Pratik Devang18 Aug 2026

Professional Indemnity Retroactive Date: One Small Date That Can Decide Whether an Old Mistake Is Covered

A professional services firm may receive a claim today about work completed two years ago. The policy is currently active, so it may seem reasonable to assume the claim is covered. With professional indemnity insurance, however, one date can become particularly important: the retroactive date. What Is a Retroactive Date? A retroactive date is a date stated in certain claims-made liability policies. Subject to the policy wording, wrongful acts occurring before that date may fall outside the s

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Pratik Devang18 Aug 2026

Construction Insurance: Who Covers Damage Before the Project Is Handed Over?

A building under construction can be exposed to fire, storms, accidental collapse, machinery damage and third-party incidents before the owner ever takes possession. The difficulty is that construction projects involve several parties, owners, contractors, subcontractors, consultants and lenders. Insurance therefore needs to be coordinated with the contract rather than arranged as an afterthought. What Is Construction Insurance? Construction insurance can provide protection for specified phys

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Pratik Devang18 Aug 2026

Office Package Insurance: A Practical Risk Checklist for Small Businesses

An office may not look particularly risky compared with a factory or warehouse. But a small business can still depend on expensive laptops, servers, furniture, electrical systems and uninterrupted access to its premises. An office package policy may combine several covers, making it useful for companies that want to protect physical assets and selected operational risks under one arrangement. What Is Office Package Insurance? An office package policy may combine different insurance sections

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Pratik Devang18 Aug 2026

Group Health Insurance for Employees: Five Things HR Should Check Beyond the Sum Insured

When a company arranges group health insurance, the first number employees usually notice is the sum insured. A ₹5 lakh employee health cover may sound straightforward, but the usefulness of the scheme depends on several other conditions. For HR and finance teams, the objective should be to understand how the programme will work for employees in real situations, not simply to compare annual premiums. What Is Group Health Insurance? Group health insurance provides health cover to eligible memb

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