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IRDAI LICENSED · REG. 383

Insurance Solutions

Comprehensive, advisory-led coverage designed to protect businesses, people, and assets — structured to your specific risk environment and regulatory obligations.

Indian insurance broker presenting business and life insurance solutions
30+Insurance Products

SKD brings together general and life insurance solutions for individuals, families, SMEs, and large corporates. From health, home, business assets, trade credit, cyber, media, and events to term life, retirement, and wealth planning, our advisory-led approach helps match each policy to the client's real exposure, budget, and long-term financial strategy.

We work with leading insurers across India to structure cover that is robust, cost-efficient, and easy to act on when claims arise.

Category 01

General Insurance

Protection for health, vehicles, homes, employees, farms, business assets, cargo, receivables, cyber risk, commercial operations, and professional liability.

🏥

Health Insurance

Individual, family floater, senior citizen, and top-up medical protection for hospitalisation and critical medical events.

Key Covers
  • In-patient hospitalisation and ICU
  • Pre and post-hospitalisation expenses
  • Daycare, domiciliary, and AYUSH treatment
  • Cashless access across network hospitals
Why it matters: Protects families from rising medical inflation and sudden hospital bills.
🚗

Motor Insurance

Comprehensive protection for private cars, two-wheelers, commercial vehicles, and fleets on Indian roads.

Key Covers
  • Own damage, theft, fire, and calamities
  • Mandatory third-party liability
  • Personal accident cover for owner-driver
  • Zero depreciation and roadside assistance add-ons
Why it matters: Keeps your vehicle, routine, and finances moving after an accident.

Personal Accident Insurance

Income and family protection when accidents cause death, disability, or temporary inability to work.

Key Covers
  • Accidental death benefit
  • Permanent total or partial disability
  • Temporary total disability weekly benefit
  • Education grant and funeral expenses
Why it matters: High-value cover at a small premium for income continuity.
🏠

Home Insurance

Protection for the structure of your home and the belongings inside it from disasters, theft, and accidental damage.

Key Covers
  • Building and contents
  • Fire, flood, storm, and earthquake
  • Burglary and housebreaking
  • Alternate accommodation and loss of rent
Why it matters: A home is too valuable to leave exposed to one disaster.
✈️

Travel Insurance

Domestic and international journey protection for medical emergencies, trip disruption, baggage loss, and passport issues.

Key Covers
  • Emergency medical expenses abroad
  • Medical evacuation and repatriation
  • Trip cancellation and flight delay
  • Baggage, passport, and personal accident cover
Why it matters: Medical care abroad can be financially severe without travel cover.
👥

Group Mediclaim (GMC)

Employee health benefit cover for SMEs and corporates, including Day 1 benefits that retail plans may not provide.

Key Covers
  • Cashless hospitalisation
  • Maternity and new-born baby cover
  • Pre-existing disease cover from Day 1
  • Top-up, OPD, dental, and wellness options
Why it matters: Strong health benefits improve retention, morale, and employer reputation.
🦺

Group Personal Accident (GPA)

24x7 accident protection for an entire workforce under one master policy, on duty, commuting, or off duty.

Key Covers
  • Accidental death and disability
  • Temporary income support
  • Medical expense reimbursement
  • Worldwide coverage and education grant
Why it matters: Protects employees' families when accident-related income loss strikes.
🌾

Agriculture Insurance

Crop, livestock, farm equipment, and weather-related protection for farmers, agri-businesses, cooperatives, and lenders.

Key Covers
  • Flood, drought, cyclone, and hailstorm losses
  • Pest and crop disease damage
  • Post-harvest and prevented sowing cover
  • PMFBY and weather index advisory
Why it matters: A failed season should not become a long-term debt spiral.
🌿

Horticulture Insurance

High-value protection for fruits, flowers, vegetables, greenhouses, and growers exposed to climate and disease volatility.

Key Covers
  • Yield loss from weather and disease
  • Greenhouse and polyhouse protection
  • Post-harvest and transit damage
  • Input cost recovery support
Why it matters: Protects high-investment crops from one bad season.
🔥

Fire & Allied Perils

Property and business asset protection for factories, offices, warehouses, and commercial premises.

Key Covers
  • Fire, lightning, explosion, and implosion
  • Storm, flood, earthquake, and RSMD
  • Impact damage and burst pipes
  • Business interruption extension
Why it matters: Helps a business recover after catastrophe without losing its future.
⚙️

Engineering Insurance

Coverage for machinery, construction projects, erection risks, boilers, and electronic equipment.

Key Covers
  • Machinery breakdown
  • Contractor's All Risk and Erection All Risk
  • Boiler and pressure plant
  • Electronic equipment damage
Why it matters: Reduces downtime and project losses when equipment or sites fail.

Marine Cargo Insurance

Cargo protection for imports, exports, inland transit, multimodal shipments, and warehouse-to-warehouse movement.

Key Covers
  • All-risk or named-peril transit cover
  • Sea, air, road, and rail shipments
  • Theft, damage, non-delivery, and wet damage
  • Customs duty and increased value cover
Why it matters: One damaged shipment should not become a business loss.
📦

Export Insurance

Protection for Indian exporters against cargo damage, buyer default, political risk, and pre-shipment exposure.

Key Covers
  • Export cargo and transit risk
  • Foreign buyer default
  • Political and currency transfer risk
  • Pre-shipment and post-shipment exposure
Why it matters: Supports international expansion with payment and cargo confidence.
🌐

ECGC

Export credit guarantee advisory for exporters and banks trading with overseas buyers on credit terms.

Key Covers
  • Whole turnover policies
  • Buyer credit default
  • Political risk protection
  • ECIB working capital support
Why it matters: Helps exporters and lenders trade globally without payment-risk paralysis.
💳

Trade Credit Insurance

Receivables protection for B2B companies against buyer insolvency, protracted default, and non-payment.

Key Covers
  • Domestic and export receivables
  • Buyer insolvency and default
  • Credit limit monitoring
  • Debt collection support
Why it matters: Turns receivables into a protected asset and strengthens cash flow.
🤝

Surety Bond Insurance

IRDAI-approved bond solutions for contractors, infrastructure companies, and businesses bidding for projects.

Key Covers
  • Bid bonds and performance bonds
  • Advance payment bonds
  • Retention money bonds
  • Contract obligation support
Why it matters: Frees bank credit lines while supporting larger project participation.
💻

Cyber & IT Insurance

Digital risk protection for ransomware, phishing, data breaches, privacy events, and technology liability.

Key Covers
  • Incident response and forensic costs
  • Cyber extortion and ransomware
  • Business interruption from attacks
  • Regulatory and legal defence costs
Why it matters: Cyber incidents now carry operational, legal, and reputational consequences.
🏪

Shopkeeper's Insurance

A bundled business policy for retail shops covering stock, cash, equipment, theft, and liability risks.

Key Covers
  • Stock and contents
  • Burglary, theft, and cash in safe/transit
  • Public liability
  • Equipment breakdown
Why it matters: One simple policy, one renewal, and broad retail protection.
🏭

Manufacturing Insurance

Industrial protection for factories, raw materials, finished goods, machinery, business interruption, and liabilities.

Key Covers
  • Industrial all risk and fire cover
  • Machinery breakdown
  • Business interruption
  • Product liability and worker protection
Why it matters: Keeps capital, workers, production, and reputation resilient.
🏗️

Construction Insurance

Project risk protection for contractors, developers, EPC firms, consultants, and infrastructure owners.

Key Covers
  • Contractor's All Risk and Erection All Risk
  • Third-party liability
  • Advance loss of profit
  • Professional indemnity for consultants
Why it matters: Helps projects survive damage, delay, and liability events.
🧰

Workmen's Compensation

Employer liability cover under the Employees' Compensation Act for worker injury, disability, or death.

Key Covers
  • Death and disability compensation
  • Medical expenses
  • Occupational disease exposure
  • Legal liability support
Why it matters: Meets statutory duty and protects employers from uncapped exposure.
⚖️

Liability Insurance

Legal liability protection for businesses facing third-party injury, property damage, product claims, or management risk.

Key Covers
  • Public and product liability
  • Directors & Officers liability
  • Commercial general liability
  • Legal defence and settlement costs
Why it matters: Prevents one lawsuit from threatening the entire enterprise.
📋

Professional Indemnity

Errors and omissions cover for doctors, lawyers, architects, consultants, IT firms, and other professionals.

Key Covers
  • Professional negligence and omissions
  • Legal defence costs
  • Defamation and breach of duty
  • Retroactive coverage for prior acts
Why it matters: Protects professional reputation and personal financial security.
SKD Specialty

Media, Events & Specialty Insurance

A dedicated specialist area for India's creative economy, live events, production houses, exhibitors, agencies, and organisers.

🎬

Media & Entertainment

Specialist cover for films, OTT, advertising shoots, live productions, content studios, and creative entrepreneurs.

Key Covers
  • Production all risk and cast cover
  • Errors & omissions and IP disputes
  • Equipment and camera floater
  • OTT delivery and advertising shoot risk
Why it matters: Protects creative investment from prep to release.
🎪

Events Insurance

Financial protection for concerts, sports, conferences, festivals, product launches, and corporate events.

Key Covers
  • Cancellation, postponement, and abandonment
  • Non-appearance of key performers
  • Public liability and equipment all risk
  • Adverse weather and civil disturbance extensions
Why it matters: Sunk event costs should not become a total loss.
🏛️

Exhibitions Insurance

End-to-end protection for exhibitors and organisers at domestic and international trade fairs.

Key Covers
  • All-risk exhibit cover in transit and venue
  • Stall, booth, and display item damage
  • Public liability and theft
  • International exhibition and freight cover
Why it matters: Protects your brand investment while teams focus on leads and deals.
Category 02

Life Insurance

Protection, retirement, education, savings, and wealth solutions designed to secure families, employees, business continuity, and long-term financial goals.

🛡️

Term Plan

Pure life protection that gives dependants a large financial safety net at an affordable premium.

Key Covers
  • Lump-sum death benefit
  • Income replacement option
  • Critical illness and accidental death riders
  • Waiver of premium and increasing cover options
Why it matters: The most responsible core cover for every earning individual.
🔑

Keyman Protection

Business continuity cover for founders, key executives, revenue generators, and critical specialists.

Key Covers
  • Death benefit paid to the company
  • Recruitment and replacement funding
  • Business loan and guarantee protection
  • Critical illness payout options
Why it matters: A company should not be existentially dependent on one person.
👥

Group Term Life (GTL)

Employer-sponsored life cover for employees under a single group master policy.

Key Covers
  • Life cover for enrolled employees
  • Flat or graded sum assured structure
  • Natural and accidental death coverage
  • AD&D and critical illness rider options
Why it matters: Low-cost, high-impact employee welfare protection.
🏦

Pension Plan

Annuity-based income planning that converts accumulated wealth into guaranteed retirement income.

Key Covers
  • Life annuity and joint life options
  • Return of purchase price variants
  • Immediate or deferred annuity
  • Monthly, quarterly, or annual income frequency
Why it matters: Helps retirees avoid outliving their savings.
📅

Retirement Plan

Disciplined accumulation plans to build a retirement corpus during earning years.

Key Covers
  • Regular savings with guaranteed or market-linked returns
  • Guaranteed additions and loyalty bonuses
  • Flexible vesting age
  • Life cover and premium waiver options
Why it matters: Retirement is planned decade by decade, not at the last minute.
🎓

Child Education Plan

Education funding protection with maturity payouts timed to future academic milestones.

Key Covers
  • Premium waiver if parent passes away
  • Guaranteed maturity and milestone payouts
  • Immediate death benefit to family
  • Traditional or market-linked growth options
Why it matters: A child's education goals should survive every uncertainty.
💰

Endowment Plan

Classic guaranteed savings combined with life insurance protection for defined life goals.

Key Covers
  • Death benefit with bonuses
  • Maturity benefit on survival
  • Guaranteed additions in select variants
  • Policy loan and rider options
Why it matters: Useful for people who prefer certainty over market-linked volatility.
📈

ULIP

Unit-linked insurance that combines life cover with market-linked equity, debt, or balanced fund growth.

Key Covers
  • Life cover plus fund value benefit
  • Equity, debt, balanced, and liquid funds
  • Fund switches and premium redirection
  • Partial withdrawals after lock-in
Why it matters: Long-term investors get disciplined growth with family protection.

Guaranteed Savings Plan

Fixed, known maturity benefits committed at policy issuance and unaffected by market movements.

Key Covers
  • Guaranteed maturity benefit
  • Regular guaranteed income option
  • Limited premium payment terms
  • Life cover and loan facility
Why it matters: Some goals are too important to leave to market chance.
💎

Wealth & Investment Plan

Long-term wealth creation with life cover, market-linked instruments, and milestone-based loyalty additions.

Key Covers
  • Life cover with market-linked growth
  • Goal-based plan variants
  • Loyalty additions and wealth boosters
  • Flexible withdrawals and income variants
Why it matters: Disciplined long-term investing can build meaningful financial freedom.

Not sure which coverage is right for you?

Our advisors evaluate your risks and design insurance solutions tailored to your business needs — ensuring no gap in coverage and no wasted premium.

Regulatory disclaimer: SKD Insurance Broking & Services Pvt. Ltd. is a registered Insurance Broker licensed by the Insurance Regulatory and Development Authority of India (IRDAI). Direct Broker License No. 383. Registration valid till 06 Oct 2026. Insurance is a subject matter of solicitation. The information on this website is indicative in nature and intended for general understanding only. Please read the respective policy wordings carefully before concluding a purchase.

Tax benefits are subject to prevailing income tax laws and may change from time to time. Unit Linked Insurance Products (ULIPs) and market-linked plans are subject to market risks; past performance is not indicative of future returns. For grievances, policyholders may contact us at info@skdinsurance.com or +91 97686 78696, or escalate to IRDAI's Bima Bharosa portal at www.irdai.gov.in or call 155255.

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