View and download policies, proposal forms, detailed wordings, network hospital list etc.
See escalation matrix, send service requests, track progress, get acknowledgements etc.
Intimate claim, fill claim form, share documents, track status, get reminders etc.
Insurance recognized by customers, external agencies and business partners. Meets contractual requirements that you may have
Property or bodily damage related claims are covered. The insurance will pay the costs of litigation, court fees and settlements. A third party generally refers to a non-employee such as sub-contractors, visitors or customers. The cover may be restricted to a workspace or may cover all locations
Covers claims related to any event after the retroactive date. This is specified as the start date when the first Commercial General Insurance was bought. Ensures that cases that come about several years after the incident are also covered if the insurance has been renewed on time each year
Insurers will provide legal support to defend yourself. In a few cases they will take on the obligation of fighting your case
Claims pertaining to a period before the retroactive date are not covered. If there is a break in the renewal of the insurance then the retroactive date is reset to the start date of the new insurance. We prevent this by ensuring timely renewal
Claims that come about from an issue that was known before the insurance was bought are rejected. The insurer will cross examine the case closely to see when the company became aware of the matter. This can be addressed by clearly describing any known issues when you buy your first CGL cover
Claims related to deficient services or negligence are not covered in CGL. Those claims may be covered under a separate Professional Indemnity or Errors and Omissions’ insurance
Provide the completed claim form, legal notices, court and other correspondence on the matter, estimate of legal fees, letter of subrogation. Pictures of the damaged site or accident are also helpful. Do not admit liability without informing the insurer.
Extensions can be purchased to cover pollution related cases; medical expense coverage, damage to rented premises. The insurance can cover product related damages as well.
The main exclusions are known issues, prior acts, fraud, contractual guarantees, matters that fall under the purview of workman compensation or professional indemnity. This is a long list but we can help you navigate and understand these exclusions.
We have specialized liability underwriters and tie-ups with international experts.
We work with all insurers to get you the best options- both in terms of price and features.
Cover notes are issued within hours of request. This documentation is sufficient for any contractual requirement.
We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.
We will advice you on risk management best practices.
See all your contracts renewal information in one place. Place service requests on PAM.