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2. Surety Insurance

Coverage:

• Bid Bonds – Assures project owners of financial backing.

• Performance Bonds – Guarantees project completion as per contract terms.

• Advance Payment Bonds – Ensures return of advance payments in case of non-performance.

• Retention Bonds – Covers withheld project funds.

Standard Inclusions:

✔ Financial guarantee for contractors.
✔ Covers non-performance of obligations.
✔ Customizable surety solutions.

Standard Exclusions:

✖ Fraudulent activities by insured parties.
✖ Insolvency not declared officially.
✖ Unlawful contractual terms.

How XtraTrust Helps:

✅ Underwriting expertise to structure suitable bonds.
✅ Liaison with insurers to ensure fast approvals.
✅ Assistance in documentation & policy structuring.

3. Fire & Property Insurance

Coverage:

• Standard Fire & Special Perils Policy: Covers damage due to fire, floods, earthquakes, riots, and malicious acts.

• Industrial All Risk (IAR): Covers all industrial risks including machinery and property.

• Business Interruption Insurance: Covers loss of income due to business disruptions.

Standard Inclusions:

✔ Fire, explosion, and natural calamities.
✔ Impact damage from vehicles/aircraft.
✔ Damage from riots and strikes.

Standard Exclusions:

✖ Wilful negligence.
✖ War and nuclear risks.
✖ Gradual deterioration.

How XtraTrust Helps:

✅ Risk assessment & valuation support.
✅ Customized policy structuring for businesses.
✅ Efficient claims handling with top insurers.

4. POSI (Public Offering of Securities Insurance)

Coverage:

• Directors’ & Officers’ liability for IPO-related misstatements.

• Prospectus liability for misleading claims in public offerings.

Standard Inclusions:

✔ Legal defense costs.
✔ Claims arising from securities transactions.

Standard Exclusions:

✖ Fraudulent activities.
✖ Pre-existing legal proceedings.

How XtraTrust Helps:

✅ Tailored POSI coverage for IPO-bound firms.
✅ Legal expertise in IPO risk assessment.

5. Marine & Hull Insurance

Coverage:

• Marine Cargo Insurance: Covers goods in transit.

• Hull & Machinery Insurance: Protects ships and vessels.

• Protection & Indemnity (P&I): Covers third-party liabilities.

Standard Inclusions:

✔ Cargo damage/loss due to perils of the sea.
✔ Machinery breakdown due to external forces.

Standard Exclusions:

✖ War and piracy (unless specifically included).
✖ Poor packaging.

How XtraTrust Helps:

✅ Seamless coverage placement with top marine insurers.
✅ Assistance in cargo valuation & documentation.

6. Liability Insurance

Coverage:

• General Liability: Covers third-party bodily injury/property damage.

• Professional Indemnity: Covers errors and omissions for professionals.

• Product Liability: Covers damages due to faulty products.

• Cyber Liability: Covers financial losses due to cyber risks.

How XtraTrust Helps:

✅ Specialized policy crafting for business needs.
✅ Proactive claims settlement support.

7. Employee Benefits Insurance

Coverage:

• Group Health Insurance.

• Group Personal Accident Insurance.

• Group Term Life Insurance.

How XtraTrust Helps:

✅ HR support for policy structuring.
✅ End-to-end claims management.

8. Motor & Fleet Insurance

Coverage:

• Comprehensive & Third-Party Motor Policies.

• Fleet Insurance for businesses.

How XtraTrust Helps:

✅ Competitive premium sourcing.
✅ Efficient claims handling & settlements.

9. Term Insurance

Coverage:

• Pure life insurance coverage.

• Critical illness riders available.

How XtraTrust Helps:

✅ Best rates from multiple insurers.
✅ Flexible policy structuring.

10. Health Insurance

Coverage:

• Individual & Family Health Plans.

• Critical Illness Coverage.

How XtraTrust Helps:

✅ Comparison of multiple insurers.
✅ Cashless hospital network assistance.

11. Accidental Insurance

Coverage:

• Accidental Death & Disability.

• Hospitalization expenses due to accidents.

How XtraTrust Helps:

✅ Custom accident policies for individuals/corporates.

12. Doctors’/Hospitals’ Professional Indemnity (PI)

Coverage:

• Legal defense costs.

• Compensation for medical malpractice claims.

How XtraTrust Helps:

✅ Strong legal & underwriting support.
✅ Efficient claim representation.

Why Choose XtraTrust Insurance Brokers Pvt. Ltd.?

✔ Expert Underwriting & Placement: Strong insurer relationships for the best policy terms.
✔ End-to-End Servicing: Claims assistance, renewals & documentation support.
✔ Client-Centric Approach: Tailored solutions & risk advisory services.