Defining General Insurance

General insurance aids us to safeguard ourselves and the things we value, such as our vehicles, homes and other valuables from the financial impact of risks – both major and minor.

It protects us from risks like earthquake, fire, flood, storm, theft, travel mishaps, car accidents and even the costs of legal action against us. It comes under the ambit of non-life insurance.

While buying the policy, we can choose the types of risks we want to cover by picking the right kind of policy and features matching to our requirements.


Commercial lines

Products are usually designed for relatively small legal entities. These would include workers’ comp (employers liability), public liability, product liability, commercial fleet and other general insurance products sold in a relatively standard fashion to many organizations. There are many companies that supply comprehensive commercial insurance packages for a wide range of different industries, including shops, restaurants and hotels.

Personal lines

Products are designed to be sold in large quantities. This would include autos (private car), homeowners (household), pet insurance, creditor insurance and others.

General Rules


Reasonable Care


Risk of Loss Not Covered

Basic Principles