Liability Insurance

Cover when someone claims against you

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Cyber Risk

Contractors' All Risk (CAR)

Cover for civil construction projects — the works, the plant, and the liability, in one contract.

All-risk cover on the works rather than a named-perils list
Third-party liability arising from construction included in one policy
Materials on site and in transit covered

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Public Liability

Cover for injury and damage to the public — including the statutory cover hazardous units must hold.

Covers the most common third-party exposure for public-facing businesses
Legal defence costs included
Statutory version available for hazardous-substance compliance

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Today Protected. Tomorrow Stronger.

Why Liability Insurance?

Incident response costs, including forensics and legal advice
Business interruption from a cyber event, which property policies exclude
Data restoration and system recovery costs
Third-party liability to customers and partners whose data was exposed
Regulatory investigation costs and, where insurable, penalties

More than Policies A Partner for Life

What's Covered?

Forensic investigation of the incident
Data restoration and system rebuild costs
Business interruption arising from a cyber event
Ransomware response and, where lawful, ransom payment
Notification costs to affected individuals
Third-party liability for data breach claims

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What's Not Covered?

Incidents arising from known and unpatched vulnerabilities
Failure to maintain the security standards declared at proposal
Bodily injury and property damage, which belong elsewhere
Loss of intellectual property value
Fines and penalties that are uninsurable by law
Costs of improving security beyond restoring the prior position

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Compare Popular Plans

Plan	Cyber Risk	Contractors' All Risk (CAR)	Public Liability	Erection All Risk (EAR)
Best for	Stay safe from digital threats	Cover for every project stage	Protects you from public claims	Protect equipment during setup
Premium from*	₹35,000	₹50,000	₹12,000	₹60,000
Rating	4.5	4.3	4.2	4.2
Details	View	View	View	View

*Indicative starting figures; the final terms depend on your profile.

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Frequently Asked Questions

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Does my office or property policy cover a cyber attack?

No. Those policies respond to physical damage. Data encrypted by ransomware, a network intrusion or a privacy claim involve no physical damage at all, and fall entirely outside them. That gap is precisely what cyber insurance addresses.

Will the policy pay a ransom?

Where payment is lawful, most policies do, alongside funding the negotiation and the technical response. The more valuable part is usually the response team — specialists who have handled the same attack before and can shorten the outage.

What should I do first after an incident?

Call the insurer's incident response line before touching the systems. Restoring or wiping machines yourself can destroy the forensic evidence needed to establish what happened, which affects both the claim and your regulatory position.

Does it cover regulatory penalties?

Investigation and defence costs, generally yes. Penalties themselves only where they are insurable by law, which varies. Given India's data protection framework and the CERT-In reporting obligations, the defence cost cover alone is substantial value.

We are small. Are we really a target?

Most ransomware is opportunistic rather than targeted, which makes smaller businesses more exposed rather than less — they have weaker controls and less internal capability to respond. Size affects the premium, not the probability.

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