Organizations and individuals today face a wide range of risks — from operational disruptions and liability exposures to employee health and asset protection. At SKD Insurance Broking, we provide comprehensive insurance solutions designed to protect businesses, people, and assets while ensuring financial stability and continuity. Our advisory-led approach ensures that every policy recommended aligns with the client’s risk exposure, regulatory obligations, and long-term financial strategy. We work closely with leading insurers to structure coverage that is robust, cost-efficient, and tailored to evolving risk environments.
Key Insurance Product Categories include a range of solutions designed to protect individuals and businesses from financial risks. These products cover health, life, motor, property, and other liabilities, helping ensure security, stability, and peace of mind.
Property Insurance
Protects physical assets such as buildings, machinery, inventory, and infrastructure from risks including fire, natural disasters, theft, and accidental damage.
Covers:
• Fire & allied perils
• Natural catastrophes
• Equipment damage
• Business interruption losses
How it helps:
Property insurance provides financial protection against unexpected damage and helps businesses resume operations quickly without severe financial strain.
Marine & Transit Insurance
Provides protection for goods transported via road, rail, sea, or air against loss, theft, or damage during transit.
Covers:
• Domestic transit
• Import/export shipments
• Warehouse-to-warehouse protection
How it helps:
Ensures continuity of supply chains by protecting goods throughout transit and reducing financial exposure to logistical risks.
Engineering Insurance
Designed for industries that use machinery, plant equipment, and project-based infrastructure.
Covers:
• Machinery breakdown
• Contractor’s All Risk (CAR)
• Erection All Risk (EAR)
• Electronic equipment insurance
How it helps:
Minimizes operational downtime and financial losses caused by mechanical failures, project risks, or equipment damage.
Liability Insurance
Protects businesses against legal liabilities arising from third-party injury, property damage, or professional negligence.
Covers:
• Public liability
• Product liability
• Professional indemnity
• Directors & Officers (D&O) liability
How it helps:
Safeguards financial stability and reputation by covering legal costs, compensation claims, and regulatory exposures.
Group Health Insurance
Provides comprehensive medical coverage for employees, promoting workforce well-being and organizational security.
Covers:
• Hospitalization expenses
• Daycare procedures
• Pre- and post-hospitalization care
• Wellness benefits
How it helps:
Supports employee health, improves retention, and strengthens the employer brand while providing financial protection during medical emergencies.
Group Personal Accident Insurance
Provides financial compensation in case of accidental injury, disability, or death.
Covers:
• Accidental death
• Permanent disability
• Temporary disability
• Income protection benefits
How it helps:
Ensures financial security for employees and their families in case of unforeseen accidents.
Motor Fleet Insurance
Designed for businesses operating commercial or corporate vehicle fleets.
Covers:
• Vehicle damage
• Third-party liability
• Driver coverage
• Add-ons for downtime protection
How it helps:
Reduces operational disruptions and protects businesses from financial losses arising from vehicle accidents and liabilities.
Cyber Insurance
Protects businesses against digital threats and data breaches.
Covers:
• Data breach response costs
• Cyber extortion
• Business interruption due to cyberattacks
• Legal and regulatory costs
How it helps:
Safeguards businesses against financial and reputational damage caused by cyber threats in an increasingly digital world.
Business Interruption Insurance
Provides coverage for loss of income due to disruptions caused by insured events.
Covers:
• Loss of profits
• Fixed operating expenses
• Temporary relocation costs
How it helps:
Ensures business continuity by compensating for revenue losses during operational downtime.
Workmen Compensation Insurance
Provides mandatory coverage protecting employers against liabilities arising from workplace injuries.
Covers:
• Employee injury compensation
• Medical expenses
• Legal liabilities
How it helps:
Ensures regulatory compliance while protecting organizations from financial and legal burdens.
Not sure which coverage is right for you?
Our advisors evaluate your risks and design insurance solutions tailored to your business needs.
