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Kaviya General Insurance Service
“Key for General Insurance Needs”
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Welcome to Kaviya General Insurance Service
General insurance, also known as non-life insurance, covers a wide range of insurance policies that protect against financial losses other than those covered by life insurance. It provides protection against risks and liabilities associated with assets, events, or activities. Here’s an overview of general insurance:

General Insurance
Car Insurance
Two wheeler Insurance
Health Insurance
Travel Insurance
Home Insurance
Accident Insurance
Workman Compensation
Professional Indemnity Insurance
Fire Insurance
Jeweller's Package Policy
Marine Insurance
Cyber Insurance
Group Medical Insurance
Group Personal Accident
Package Policy
Engineering Insurance
Contract Plant & Machinery
Public Liability
Types of General Insurance
Travel Insurance:
Covers travel-related risks such as trip cancellation, lost luggage, medical emergencies abroad, and personal liability.
Liability Insurance:
Public Liability Insurance: Protects businesses against claims arising from injury or damage to third parties (public).
Product Liability Insurance: Covers manufacturers, distributors, and sellers against claims related to defective products causing harm.
Specialty Insurance:
Includes niche insurance products such as professional indemnity insurance (protects professionals against claims for negligence or errors), cyber insurance (covers losses from cyber attacks and data breaches), and event insurance (covers losses related to event cancellations or disruptions).
How General Insurance Works

Premiums: Policyholders pay premiums to the insurer based on the level of coverage and risk factors.
Policy Coverage: Insurers specify the scope of coverage, exclusions, deductibles, and policy limits in the insurance policy document.
Claims Process: Policyholders file claims with the insurer in case of covered losses or damages, and insurers assess the claims based on policy terms and conditions.
Renewal Policies : are typically renewable annually or periodically, with premiums adjusted based on risk factors and claims history.
Importance of General Insurance
Risk Management: Provides financial protection against unexpected events that could lead to significant losses.
Legal Requirement: Certain types of insurance (like motor insurance and health insurance) may be mandatory by law.
Financial Security: Ensures individuals and businesses can recover financially from losses without facing severe financial hardships.