General insurance provides protection from losses not covered by life insurance. It includes classes like fire, marine, motor, health, liability, burglary, rural, and fidelity guarantee insurance. Fire insurance compensates for damage from fire to property. Marine insurance covers goods damaged or lost during sea, land or air transport. Motor insurance provides financial protection for vehicle damage or injury from road accidents. Health insurance covers medical costs from illness or hospitalization. Liability insurance protects businesses from legal responsibilities for injuries to others.

1. GENERAL INSURANCE
Manojkumar B M.sc ., A.I.I.I

2. General insurance is basically an insurance policy that protects
you against losses and damages other than those covered by life
insurance.
Classes of Insurance
• Fire Insurance
• Marine Insurance
• Miscellaneous Insurance
-Motor Insurance
-Health Insurance
-Liability Insurance
-Burglary Insurance
-Rural Insurance
-Fidelity Guarantee Insurance

3. An insurance against damage created from the fire is called fire
insurance.
Such insurance compensate the damage of house, machine,
equipment's, goods, things and other immovable properties of
the insured from the risk of the fire.

4. This insurance is covers for safety delivery of goods while
transporting goods from one place to another by sea way, land
way or air way accident may occur in transit period cause loss or
damage to goods or vehicle. To recover such loss from marine
insurance.

5. Motor insurance is insurance for bike, cars, trucks and other road
vehicles. Its primary use is to provide financial protection
against physical damage or body injury resulting from on- road
and off – road.

6. Health insurance is cover the medical and surgical expenses of
the individual or family due to hospitalization from illness. Its
helps secure health and financial balances.

7. Liability insurance is designed to protect business from
liabilities may carry for injury to employees, customers, or other
persons on premises.
Types of Liability Insurance
-Public Liability
-Product Liability
-Professional Indemnity
-Employers Liability

8. Public Liability: This policy covers the amount which the
insured becomes legally liable to pay as damages to third parties
as a result of accidental death, bodily injury, loss or damage to
the property belonging to a third party.
Types of Public Liability Insurance Policies :
1. Public Liability Industrial Risks - For manufacturing units,
godowns and warehouse.
2 Public Liability Non Industrial Risks - For Non Manufacturing
entities like IT companies, BPOs, Hotels, Schools, Restaurants
and Clubs

9. Product Liability: Product Liability Insurance indemnifies the
manufacturer, distributor, wholesaler, and retailer against third
party liability arising out of the sale of products by the
manufacturer.
Professional Indemnity : This policy is meant for
professionals to cover liability falling on them as a result of
errors and omissions committed by them whilst rendering
professional service.
Eligibility person’s
Doctors, Chartered accountants, Lawyers, Architects.

10. Employers Liability : The policy covers statutory liability of
an employer for the death of or bodily injuries or occupational
diseases sustained by the workmen arising out of and in course
of employment.

11. Burglary insurance is a policy that covers losses resulting from a
burglary. Burglary denotes the act of entering a property
unlawfully with the intention of committing a crime and it might
not always involve theft. Burglary insurance, then, will cover
property damage as well as financial losses.

12. Rural Insurance generally refers to insurance related to rural
people, their business like farming, cattle, poultry etc., and their
families.
The rates of premium are lower and claim procedure is
simplified.
Types of Policies:
Cattle/Sheep/goat policy
Horse/Mule/Donkey/Honeybee policy
Pig/Camel/Dog/Rabbit/Duck/fish/poultry
Horticulture/Plantation/Floriculture policy
Farmer package policy

13. Fidelity Guarantee Insurance policy provides cover against the
financial loss suffered by the Insured as a result of
fraud/dishonesty of employees of the insured up to the
maximum limit selected for insurance per employee.

14. Thank you !!!