Fire Insurance provides protection against most risks to properties such as Fire, Lightning, Earthquake, Storm etc. Fire and special Perils compensates only for Material Damage to the insured property. It specifically excludes any consequential loss. The Fire Insurance Policy has been renamed as Standard Fire and Special Perils Policy. In the event of a fire loss covered under the Fire Insurance Policy, the insured shall immediately give notice there of to LMB Insurance Brokers & the insured should submit a claim in writing, giving the details of damages & their estimated values.

Damage caused to the Insured Premises, resulting from Burglary or Housebreaking or Robbery or Dacoity or Hold-up attempt therein at any time during the Period of Insurance can be covered

Marine Insurance Act was passed in 1963 in India and this governs the field with the help of Insurance Act 1938. As usual the three basic principles of any insurance contest i.e. utmost good faith, Insurance interest, indemnity are equally applicable to marine insurance also. Normally marine policies are issued on an agreed value basis. The valuation cannot be questioned unless there is a fraud. Marine insurance can be divided into Hull insurance and Cargo insurance. Under Hull Insurance, LMB Insurance Brokers deal with insurance of ships, fishing vessels, sailing vessels, builders risk insurance charterers liability, etc and under Cargo Insurance, we cover the transportation of cargo by Land (Rail or Road) Sea or Air. As marine insurance is closely linked with the trade and therefore it is essential to know the various types of contracts of sale and responsibilities of buyer/seller under each type of contract. The main types of contracts are FOB C&F and CIF.

Loss to any machinery including mechanical, electrical or electronic can be insured against the unusual loss or breakdown due to external or internal events and the unexpected loss are protected under the engineering policies and thereby helping the industry.

We live in a busy and risky world and our life is precious to us and also to our dependents. So if some unhappy incidents affect the life of a member of the family, the loss is unimaginable and to get at least some relief on the basis of financial help, the family can come up to the life track again. Having a personal accident policy will do it for all.

This class of Insurance has the largest range of risks written. The range includes the motor, personal accident, burglary, jewelers block, non-traditional insurances, and at a range of liability insurances covering the risk of legal exposures to third parties and public from products sold, as an employer, as a director or executive, as vendors of software, as stock exchanges, banks, and financial institutions.

Most suitable Hospital Treatment plans and daily cash benefit schemes during hospitalisation of employees and their loved ones. Accident and natural death plans can be provided pension, Annuity, and Investment plans can be provided

​​​All livestock raised for home use or for profit, mainly on a farm can be covered, all breeds can be covered under Livestock Protect Policy maybe it Indigenous, Cross or Exotic animal. The Policy provides for payment of compensation for the death of animal(s) due to:

Accident (including fire, lightning, flood, inundation, cyclone, tornado, storm, tempest, hurricane, earthquake, famine, riot, strike, and civil commotion)

Treatment expenses can also be covered

“Insurance” is a word very often used to assure a relief from any eventuality arising out of uncertainties. In simple language insurance is a risk covering mechanism, rather sharing or spreading the risk. The price of cost of such a mechanism is the “Premium” the policy holder is paying The entire operation is scientifically managed by Actuaries, with their advanced mathematical analysis. Insurance is a necessity for providing economic security in a society where uncertainties are umpteen, death being the foremost. Death, accidents, calamities, etc are certain events causing financial loss. What we can insure is a financial loss due to death/ accident. This can be controlled by insurance protection. So insurance is there to take care of the financial loss. Every asset has value. The asset would have been created through the efforts of the owner. The asset is valuable to the owner because he expects to get some benefits from it. It is a benefit because it meets some of his needs.

Customized solutions to the customers at individual and group levels. An annuity can be Provided for the employees who are retiring or exiting the company, which will ensure security – through steady retirement income, Reliability through fixed annuity/pension throughout your life.

Motor vehicle insurance is having two parts one Act(it is compulsory for the protection of Third parties as per Motor Vehicles Act 1939 and further amendments in 1989) section and the other is the Act policy plus own damage to the vehicle.