CPM is designed for sudden, accidental physical damage to machinery, not predictable maintenance issues. Many claim surprises happen when the cause is judged as wear and tear, poor upkeep, or internal breakdown without an external accident. While CPM protects equipment, Contractors All Risk insurance (CAR insurance) focuses on the construction works themselves, making it important […]

India’s gems & jewellery ecosystem is massive and diverse, ranging from large organised chains to lakhs of family-run stores, karigar units, and traders. That size creates a wide insurance gap: the most exposed businesses are often the smallest ones, with the least buffer to survive a single shock. What The ‘Gap’ Looks Like: Organised vs […]