Trusted IRDAI-Certified
Insurance Partner
Affordable, well-rounded benefits
designed to support employee wellbeing,
financial security, and long-term workplace satisfaction.
What’s Covered
An Annual Open Policy is designed for businesses with frequent shipments throughout the year. It offers continuous marine insurance coverage under a single policy, eliminating the need to insure each transit separately while ensuring consistent protection for goods in domestic and international movement.
Covers multiple consignments dispatched during the policy period. Businesses can move goods freely without declaring each shipment separately, making it ideal for regular importers, exporters, and traders.
Insures goods against risks during transit such as fire, theft, collision, overturning, and natural calamities. Coverage applies across road, rail, sea, and air transport as per policy terms.
Allows declaration-based coverage with adjustable limits based on shipment value. This ensures adequate protection without over-insuring or under-insuring consignments.
Provides coverage for inland and overseas shipments. It supports businesses operating across multiple geographies with seamless marine insurance protection.
Enables periodic declaration of shipments instead of policy issuance every time. This simplifies administration and improves efficiency for logistics and finance teams.
Includes professional survey and claims assistance in case of loss or damage. This helps speed up assessments and ensures smoother claim settlements.
One policy for all shipments.
No repeated policy issuance.
Reduces risk gaps.
Optimised premium structure.
Supports faster dispatch cycles.
Scales with shipment volume.
How to Buy
Choose the right mix of benefits, compare insurer offerings, share employee details, and activate coverage effortlessly with Disha Insurance’s guided support.
Instant & personalised
No impact on credit score
No hidden fees
Identify health, financial, and wellness requirements for your employees.
Review coverage options, premiums, and add-on benefits across providers.
Share employee lists and documents for customized plan evaluation.
Approve plan, complete payment, and initiate coverage for all employees.
Faq’s
Businesses with frequent shipments such as manufacturers, traders, exporters, and importers should consider this policy. It suits companies that move goods regularly and want simplified marine insurance without repetitive paperwork.
Shipments are declared periodically, usually monthly or quarterly, based on agreed terms. Declarations include shipment value, mode of transport, and destination, allowing insurers to adjust coverage accordingly.
Yes, depending on policy structure. Coverage can include imports, exports, and domestic transits under a single Annual Open Policy, subject to agreed limits and conditions.
If shipments exceed the declared or agreed limit, the excess may remain uninsured. It is important to review and revise limits periodically to ensure adequate coverage.
Yes, the policy can be tailored based on shipment frequency, commodity type, transit routes, and risk exposure. Customisation ensures practical coverage aligned with business operations.
Disha Capital Insurance Brokers Pvt Ltd
Head Office : 1404-A, 43, Nehru Place, New Delhi, Delhi 110019
Contactus@dishainsurance.com
9319222734
