Workmen Compensation – Compensation for death, injury, or accident suffered by a workman in the course of his employment and paid to him or his dependents.

Marine Cargo – An insurance policy that protects the buyer of a good being transported over water from the loss of that good. Most of the time either the buyer or the seller is required to purchase marine cargo insurance (or at least to assume the risk of transit); their specific agreement determines which one is responsible.

Machinery/ Equipment All Risk – This Policy covers your machinery / equipment which is necessary for the running of your business against unforeseen and sudden physical loss or damage from any cause other than those specifically excluded.

Group Personal Accident Insurance – Group Personal accident insurance covers your expenses from an accident with a lump sum payment, a daily or monthly amount or a payment for loss of life from an accident. Several types of policies supplement an insurance program. Often, accidental death and dismemberment is an inexpensive form of personal accident insurance. Other forms are similar to disability income, but they pay a cash sum when you have an injury due to an accident.

Public Liability – It provides broad coverage, generally including all exposures for property damage and bodily injury, except exposures that relate to ownership of airplanes and automobiles, and to employees. Liability insurance may be written to cover specified hazards, as a Commercial General Liability Insurance (CGL).

Fire & Extra Perils Insurance – It covers loss or damage for accidental and unintentional loss or damage to properties and their contents, arising from the dangers of fire as well as from allied perils such as storm, earthquake etc.

Professional Indemnity – Known as professional indemnity insurance, this type of liability cover provides protection for negligent advice or a service provided by you, and is designed to safeguard you against claims made by clients for any resulting financial loss or damage to their reputation.

Business Interruption – insurance that provides protection for the loss of profits and continuing fixed expenses resulting from a break in commercial activities due to the occurrence of a peril.

Burglary & Theft – Insurance for the loss of property due to burglary, robbery or larceny. It is provided in a standard homeowners policy and in a business multiple peril policy.

Money Insurance – Insurance poses a dilemma to its customers: either you suffer a loss and get some of your premium money back, or you don’t suffer a loss and lose all your money to the insurance company. Either way, it feels like you lose. Return of premium term life insurance, sometimes called money-back insurance, solves this problem by offering its customers their money back under certain circumstances.

Fidelity Guarantee – Fidelity guarantee insurance protects employers from financial losses that are a result of employees who embezzle, commit forgery, fraud or steal directly from a company. Protection that is offered by fidelity guarantee insurance can be designed to cover all employees or just an individual worker within a company.

Property Financing – Commercial property financing is available for virtually all types of income-producing and commercial properties, including: Shopping centers; Motels and apartments; Office buildings; Automobile dealerships; Health care facilities; Owner occupied buildings; Manufacturing facilities and more. A commercial property is basically any type of property that is involved in business operations and generates revenue for the company.

Project Financing – Project Financing is a loan structure that relies primarily on the project’s cash flow for repayment, with the project’s assets, rights, and interests held as secondary security or collateral.

Dept Financing – When a firm raises money for working capital or capital expenditures by selling bonds, bills, or notes to individual and/or institutional investors. In return for lending the money, the individuals or institutions become creditors and receive a promise that the principal and interest on the debt will be repaid.

Trade Financing – While a seller (the exporter) can require the purchaser (an importer) to prepay for goods shipped, the purchaser (importer) may wish to reduce risk by requiring the seller to document the goods that have been shipped. Banks may assist by providing various forms of support. For example, the importer’s bank may provide a letter of credit to the exporter (or the exporter’s bank) providing for payment upon presentation of certain documents, such as a bill of lading. The exporter’s bank may make a loan (by advancing funds) to the exporter on the basis of the export contract.

Equity Financing – The act of raising money for company activities by selling common or preferred stock to individual or institutional investors. In return for the money paid, shareholders receive ownership interests in the corporation.

Mezzanine Financing – A hybrid of debt and equity financing that is is typically used to finance the expansion of existing companies. Mezzanine financing is basically debt capital that gives the lender the rights to convert to an ownership or equity interest in the company if the loan is not paid back in time and in full. It is generally subordinated to debt provided by senior lenders such as banks and venture capital companies.