Corporate insurance is a type of insurance coverage  used by business organizations to safeguard their venture from operational risks. Such risks include financial losses, theft, employee health conditions, etc. Large-scale companies generally invest in a corporate insurance policy

• Public Liability Insurance: A public liability insurance protects the organization from the paying the damages caused by their business to their clients or the general public. The liability insurance can pay for the cost of consequent legal costs and other expenses. It is one of the basic corporate insurance covers for the business companies which regularly interact and deal with customers.
• Home insurance: It is an insurance policy that covers the costs and damage to your home or any property. It is a form of property insurance .The home insurance policy covers damaged electric lines/wires, water pipelines, or structure damage. It also provides coverage for broken windows/doors/floors/walls etc. Not only the house but also covers for the loss and damage to the other assets of the house. It can be broadly categorised into four type of costs on the insured property as below:
• Interior damage costs
• Exterior damage expenses
• Loss/damage of personal assets/belongings from a house
• Coverage for physical injuries that may occur while on the damaged property

Home insurance policies varies according to the residence type (rented/owned) and size of the residence & other characteristics like age, place of residence, replacement value, and location as well as the cost of belongings also matter. Finally, it depends on you what kind of coverage you choose. The deductible is the amount you have to pay before making the claim if the premium amount falls short of. When the deductible is high, the premium is less and vice-a-versa.

• Director and officers Liability Insurance: It is a special type of corporate insurance policy which covers the high ranking company officials such as directors and other officials. It is a liability insurance payable to these officers as a reimbursement for the losses or advancement of defence expenses because of some legal action against them. Sometimes the cover is used by the company itself to indemnify itself from the financial losses that occur during the lengthy legal processes. It covers the expenses for the defence against the criminal or regulatory investigation charges. Intentional illegal activities are not covered by this type of insurance.
• Corporate Health Insurance: Some companies opt for corporate health insurance cover. This corporate insurance covers the health and medical needs of the employees till the time they are associated with the company. The cover expires after the employee is no longer associated with the company.
• Professional Indemnity Insurance: Professional Indemnity insurance covers an employee of the company from bearing the full cost of defending themselves against the claim of negligence or error made by the client and also the damages that might occur due to a subsequent civil lawsuit.
• Workers Compensation Insurance: This corporate insurance covers the employee of the company from any kind of injury, accident or any misconduct during their time of working. It also covers the medical and legal bills of the worker if they stage any such incident.
• Shop owners Insurance: This policy is tailor-made to cover all the possible risks and damages faced by small to medium-sized (SME) shop owners. This policy ensures a free state of mind by providing a financial shield against damage to the insured property and the other interest of the insured regarding the business. It protects the shop owners from the uncertain risks from the natural disasters, theft or burglary as well.
• Office Package Policy: An Office Package Policy is a full-fledged insurance package to cover one’s business. This is a comprehensive insurance provides coverage to fire, burglary, machinery breakdown etc. under a single policy. This is the one-stop solution for all contingencies that your business may expose to.
• Marine Insurance: Marine insurance is a type of insurance extended for marine industries, where the insurer protects against the financial loss due to any maritime perils or causalities in the sea including fire, war, pirates, perils etc.
• Constructions All Risk Insurance: Construction All Risks Insurance (CAR) offers comprehensive protection against loss or damage in respect of the contract works, construction plant, equipment and machinery, as well as against third-party claims in respect of property damage or bodily injury arising in connection with the building and execution of a construction project.
• Erection All Risk Insurance: This policy provides comprehensive coverage against loss or damage to the installation of machinery or equipment. It protects the contractor or employer against physical loss or damage to the contract work, construction plant or machinery. It covers third party liability damage or injury as well.
• Plant & Machinery Insurance: The policy largely covers damage or loss to the contractor’s construction machinery such as excavators, cranes, compressors, etc. While machinery is an important element of a construction site, damage or breakdown of the same can’t be affordable. With this plan, the employer can mitigate the financial burden of repair or replacement in case of machinery breakdown.
• Business Insurance: Business insurance is necessary to protect a business from financial loss arising due to property damage, fire, natural disasters, theft or legal liabilities.