Cover for Everyday and Business Risks
Explore general insurance options and understand how coverage depends on the policy you choose.
Understanding General Insurance
What is general insurance?
General insurance covers non-life risks — property, travel, business assets, liability and more.
How does coverage work?
What is covered, the sum insured and exclusions depend entirely on the policy you select.
Who may consider it?
Homeowners, shop owners, businesses and travellers looking to protect against financial loss.
Claims
Claims are assessed by the insurer as per the policy wording and supporting documents.
Key Features & Plan Types
Availability of each option is subject to insurer and policy terms.
Home insurance
Cover for structure and contents against specified risks.
Shop insurance
Protection for stock, fittings and premises.
Travel insurance
Cover for medical and travel-related risks during trips.
Fire & property
Cover for business property against specified perils.
Liability cover
Protection against certain third-party claims.
Personal accident
Benefits for accidental injury or disability, as per policy.
Typical Eligibility
Factors usually considered:
- Type and value of asset or risk
- Location and usage
- Sum insured required
- Past claim history
- Policy type and add-ons
Eligibility, coverage and premiums may vary depending on the insurer, plan selected, applicant profile, health or asset details and other applicable factors.
Documents Typically Required
Basic KYC
- Identity proof (Aadhaar, passport, voter ID, etc.)
- Address proof
- PAN card
- Recent passport-size photographs
Risk details
- Property / asset details and value
- Business details for commercial cover
- Travel details for travel insurance
- Previous policy, if any
Additional documents may be requested by the respective insurer based on the applicant and transaction.
How the Process Works
- 01
Share Your Requirement
Tell us what you need through the form, WhatsApp or a call.
- 02
Profile & Document Review
We understand your profile and review the documents.
- 03
Explore Suitable Options
We help you compare suitable plans from insurers.
- 04
Proposal & Insurer Coordination
We assist with the proposal and coordinate with the insurer.
- 05
Policy Issuance
As per the insurer's underwriting and process.
Guidance You Can Rely On
Personalised Guidance
Advice shaped around your situation.
Multiple Financial Solutions
Loans and insurance under one roof.
Transparent Communication
Clear updates, no hidden surprises.
End-to-End Assistance
Support from enquiry to completion.
Insurer Coordination
We follow up so you don't have to.
General Insurance — Frequently Asked Questions
What does general insurance include?
All non-life insurance, such as home, travel, shop, fire and liability cover.
How do I choose the right cover?
Identify what you want to protect and its value; we can help you compare suitable options.
Are all risks covered?
No. Each policy lists covered perils and exclusions.
Can businesses buy multiple covers?
Yes, businesses often combine property, liability and other covers.
How are claims settled?
As per policy terms after the insurer's assessment.
Looking for the Right General Insurance Solution?
Share your requirement and let our team help you explore suitable options.
Arthmitra Financial Services facilitates financial assistance and acts as an intermediary/channel partner where applicable. Approval, eligibility, interest rates, premiums, terms, documentation and other conditions are subject to the respective financial institution or insurer’s policies.