Non-motor insurance protects factories, warehouses, stock, machinery, and liabilities — but these policies are highly technical.

✅ What to Check

• Correct asset valuation (under-insurance leads to claim reduction)
• Coverage for natural calamities
• Business interruption coverage
• Liability covers (public, employee, professional)

⚠️ Common Non-Motor Insurance Loopholes

❌ Under-insurance clause
If asset value is declared lower, claims are reduced proportionately.

❌ Exclusions hidden in wording
Fire, flood, theft, or machinery breakdown may have conditions attached.

❌ No clarity on claim documentation
Claims often get delayed due to incomplete or unclear documentation requirements.

👉 Expert tip:
Non-motor policies should always be structured with expert guidance, not bought off-the-shelf.

🔍 Why Advice Matters in General Insurance

Most insurance issues don’t arise at the time of purchase —
they arise during claims, when policy wording is interpreted.

At GISA Advisory Pvt Ltd, we focus on:

• Explaining policies in simple language
• Highlighting hidden clauses and exclusions
• Structuring coverage based on actual risk
• Supporting clients end-to-end during claims

✅ Final Takeaway

✔ Cheapest policy is rarely the best
✔ Policy wording matters more than marketing
✔ Right advice today prevents losses tomorrow

General insurance should protect your assets — not surprise you during claims.