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 Sales Turnover Policy is designed for businesses with regular dispatches based on yearly sales value. It provides continuous marine insurance coverage for all eligible shipments during the policy period, simplifying transit protection while ensuring goods remain insured across domestic and international movements.
Coverage is linked to declared annual sales turnover. This allows businesses to insure multiple shipments under one policy without declaring each consignment separately.
Insures goods against common transit risks including fire, theft, accident, and natural calamities. Coverage applies across road, rail, sea, and air transport modes.
Provides protection for inland and international movements. This suits businesses engaged in both local distribution and global trade activities.
All eligible shipments during the policy period are automatically covered. This eliminates the risk of missed declarations or uninsured transits.
Limits are adjusted based on turnover projections and risk exposure. This ensures balanced coverage without excessive premium costs.
Includes professional support for loss assessment and claims processing. This helps businesses manage claims efficiently with minimal disruption.
One policy for entire year.
No shipment-wise declarations.
Eliminates coverage gaps.
Premium linked to turnover.
Ideal for frequent shipments.
Adapts to sales expansion.
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
This policy is suitable for manufacturers, traders, and distributors with consistent yearly sales and frequent dispatches. It works well for businesses seeking simplified marine insurance without shipment-level declarations.
Turnover is based on projected or previous year sales figures. Businesses must declare accurate estimates to ensure adequate coverage and avoid underinsurance issues during claims.
Most goods are covered, subject to underwriting guidelines. Certain high-risk or restricted commodities may require specific terms or additional premiums.
If turnover exceeds the declared amount, additional premium may be payable. Regular reviews help ensure coverage remains aligned with business activity.
Yes, it can cover both domestic and international transits. Coverage scope depends on policy terms, routes, and nature of goods being shipped.
Disha Capital Insurance Brokers Pvt Ltd
Head Office : 1404-A, 43, Nehru Place, New Delhi, Delhi 110019
Contactus@dishainsurance.com
9319222734
