Zen Vichaar

  In the wake of the recent confrontation between India and Pakistan through Operation Sindoor, a question in the minds of those with an insurance policy was if their policy will cover war-related damages. Our clients were no exception; we got queries on insurance coverage for wars during this period. War seemed a remote possibility until Operation Sindoor, but this operation made everyone believe that war was a reality and prompted the exploration of insurance coverage for such an incident.  In this blog, we will explore the coverage for war in insurance policies. War Coverage in Insurance Policies Most insurance policies—whether for property, auto, life, health, or travel—include a war exclusion clause . This clause denies coverage for losses or damages resulting directly or indirectly from war, invasion, civil unrest, rebellion, insurrection, or military action. Importantly, this exclusion generally applies even if war is not officially declared. Declared Wars: When...

  As a business owner, you need a liability insurance policy because you can face the risk of litigation even in a minor mishap involving a third party. Whether you run a factory, organize public events or run a retail store, you can face claims from the public due to bodily injury or property damage or other liabilities due to your business. This is where public liability insurance can help you. A public liability policy can act as a financial shield when you face claims from the public. In this blog we will examine how liability policies can help businesses manage public liability claims. What is Public Liability Insurance? Public liability insurance is a type of coverage that protects businesses and individuals against claims made by third parties for injuries, property damage, or financial loss caused by the insured’s business activities. This includes: Injuries to visitors at a workplace. Damage to third-party property during operations. Accidents ...