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General Insurance Solutions

Protection for a Wide Range of Personal and Business Risks

Beyond health, motor, travel and home insurance, there are several other insurance solutions designed to protect individuals, families, and businesses from unexpected financial risks.

These policies help cover risks related to accidents, business operations, liabilities, property, and specialised exposures.

Guiding Wealth. Guarding Futures.

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General Insurance
General Insurance
General Insurance
General Insurance
General Insurance
General Insurance
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Partnering with India’s Leading General Insurers

We help you access general insurance solutions from leading insurers in India.

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What We Cover

General Insurance Solutions at HawkSarthi

We help individuals and businesses access a wide range of general insurance products from leading insurers in India.

Personal Accident

Accidental injury and disability cover

Liability Insurance

Third-party and professional liability

Business Insurance

Property, shop, office and contractor cover

Marine Insurance

Goods in transit by road, sea or air

Cyber Insurance

Protection against cyber attacks and data breaches

Professional Insurance

Indemnity for professionals and consultants

Coverage Overview

Overview of General Insurance Categories

Different general insurance policies are designed for different personal and business risk situations.

Insurance Type What It Covers Typically Useful For
Personal Accident Insurance Financial compensation for accidental death or disability Individuals seeking additional protection beyond life insurance
Critical Illness Insurance Lump sum payout on diagnosis of specified major illnesses Individuals looking for additional medical financial protection
Professional Indemnity Insurance Covers financial loss due to professional negligence Doctors, consultants, architects, engineers, and other professionals
Public Liability Insurance Protection against legal liability for third-party injury or property damage Businesses interacting with customers or the public
Product Liability Insurance Covers liability arising from defective products Manufacturers, distributors, and retailers
Shopkeepers Insurance Covers shop property, stock, equipment and liability Retail businesses and shop owners
Office Package Insurance Covers office premises, equipment and business interruption Offices and professional establishments
Contractors All Risk Insurance Covers construction site risks during project execution Builders and infrastructure contractors
Marine Cargo Insurance Covers goods in transit by road, sea or air Importers, exporters, and logistics businesses
Cyber Insurance Covers financial losses due to cyber attacks or data breaches Businesses handling sensitive customer or financial data
Event Insurance Covers financial losses due to cancellation or disruption of events Wedding planners and event organisers

Insurance types, coverage structures, and terms are indicative. Actual coverage depends on insurer, policy structure, and individual eligibility.

Risk Coverage

Key Risks These Policies Help Address

Different general insurance policies protect against a wide range of personal and business risks.

Accidental Injuries or Disability

Personal accident and critical illness policies provide financial support in case of injury or major illness diagnosis.

Legal Liabilities to Third Parties

Public liability and professional indemnity policies protect against claims arising from negligence or accidents involving third parties.

Business Property and Assets

Office package and shopkeeper policies cover damage to business premises, equipment, and stock.

Goods During Transit

Marine cargo insurance covers loss or damage to goods while being transported by road, sea, or air.

Cybersecurity Incidents

Cyber insurance helps cover financial losses arising from data breaches, cyber attacks, and related liabilities.

Professional Errors and Omissions

Professional indemnity insurance covers financial losses caused to clients due to errors or negligence in professional services.

Who Typically Needs These Insurance Solutions

Category Relevant Insurance
Professionals (doctors, consultants, engineers) Professional Indemnity Insurance, Cyber Insurance
Business Owners (shops, offices) Shopkeeper Insurance, Office Package Insurance, Public Liability Insurance
Manufacturers and Distributors Product Liability Insurance, Marine Cargo Insurance
Builders and Contractors Contractors All Risk Insurance, Public Liability Insurance
Frequent Travellers and Individuals Personal Accident Insurance, Critical Illness Insurance

Need Help Identifying the Right Coverage?

Every individual and business has a unique risk profile. Selecting the right policy depends on the nature of personal or business risks involved.

Our team can help explain available options and assist you in selecting suitable coverage.

Speak to Our Team
OUR APPROACH

How We Help with General Insurance

1

Understand Your Risks

Assess your personal or business risk exposure to identify the insurance types most relevant to your situation.

2

Compare Options

Evaluate available general insurance policies from multiple insurers for coverage, terms, and value.

3

Explain Clearly

Policy features, exclusions, coverage limits, and claim procedures explained in plain language.

4

Assist and Support

Policy purchase, documentation, renewals, and guidance during the claims process.

Common Questions

Frequently Asked Questions

Life insurance provides financial protection in the event of death or critical illness, typically through long-term policies. General insurance covers a wide range of other risks — such as vehicle damage, property loss, liability, travel emergencies, and business risks — usually through annual renewable policies. Both serve different financial protection purposes and are often held simultaneously.

Yes. Depending on your occupation and lifestyle, additional general insurance products may be relevant. Personal accident insurance provides compensation for accidental disability or death. Professional indemnity is important for consultants, doctors, and engineers. Cyber insurance may be relevant for those handling sensitive digital data. An advisor can help assess which additional covers may be suitable.

Yes. Several general insurance products are specifically designed for small businesses. Shopkeeper insurance covers shop property, stock, and liability. Office package insurance covers office premises and equipment. Public liability insurance protects against third-party injury or property damage claims. These can often be structured as package policies covering multiple risks under a single policy.

Selecting the right general insurance depends on identifying your specific risk exposures — whether personal, professional, or business-related. Comparing coverage scope, exclusions, and claim procedures across insurers is important. An advisor can help evaluate your situation and recommend suitable policies based on your risk profile and budget.

Protect What Matters to You

Whether you are an individual, a professional, or a business owner, there is likely a general insurance product that can help protect against your specific risks.

  • Understanding which policies are relevant to your situation
  • Comparing coverage across leading insurers
  • Selecting suitable coverage based on your risk profile
Speak to Our Team

  Important Disclosure

Insurance products described on this page are subject to policy terms, conditions, and underwriting guidelines of respective insurers. Descriptions and comparisons are indicative only and do not constitute financial or legal advice. Actual coverage, premiums, and terms vary based on individual or business eligibility, insurer norms, and product structure. Please read all policy documents carefully before purchasing. Hawk-I Investment and Insurance Marketing Pvt. Ltd. is an IRDAI-registered Insurance Marketing Firm (IMF187109810120210397).