General insurance provides essential financial protection against a wide range of non-life risks, including damage, loss, and legal liabilities. It safeguards individuals and businesses from unexpected financial burdens arising from accidents, medical emergencies, property damage, travel disruptions, and natural calamities. Common types of general insurance include motor insurance, health insurance, property insurance, travel insurance, marine cargo insurance, crop insurance, and third-party liability coverage. By ensuring timely financial support during unforeseen events, general insurance helps maintain stability, security, and peace of mind.

a. Motor Insurance

Motor policies protect vehicles against accidents, theft, and third-party liability. Types include third-party only (mandatory), own-damage (repairs to your vehicle), and comprehensive (both own and third-party coverage).

b. Fire Insurance

Fire policies cover property damage from fire, lightning, explosions, or allied perils like riots or storms. They apply to buildings, machinery, and stocks, often extended via add-ons for broader risks.​

c. FLOP Policy

Fire Loss of Profit (FLOP) insurance compensates businesses for lost gross profit, standing charges (like rent and salaries), and increased working costs during an indemnity period following a fire or allied peril under a linked Standard Fire and Special Perils Policy. It activates only if there's a valid material damage claim, covering reduced turnover until normal operations resume, typically up to 12-24 months.​

d. Machinery Breakdown Policy

This standalone policy protects industrial machinery and equipment against sudden breakdowns from electrical, mechanical, or artificial failures, excluding wear and tear. Coverage includes repair/replacement costs, demolition, and business interruption losses, ideal for factories handling policy audits or compliance.​

e. Burglary Policy

Burglary insurance covers theft by forcible entry (burglary, housebreaking, or robbery) of insured property like stocks, furniture, and fixtures in shops, offices, or warehouses. It reimburses actual loss value (indemnity basis) after police FIR, often excluding cash or shortages without violence, with add-ons for plate glass or neon signs.

f. Health Insurance

Health plans reimburse medical expenses like hospitalization, surgeries, and treatments. Subtypes include individual, family floater, senior citizen, and critical illness covers with options for top-ups.​