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The congenital disease also known as birth defects is a medical condition which exists in a human body before birth. Such disorders in the human body are normally described by structural deformities are known as congenital anomalies meaning defect in the developing foetus. A congenital anomaly is further classified under...

Temporary total disability or TTD is a benefit coverage offered under Group Personnel Accident Insurance Policy. Under this type of disability, the policyholder is not able to perform wholly and continuously every task pertaining to his or her job or occupation. For example – a worker who hurts his back...

PPD or Permanent Partial Disability is the coverage given under the group personal accident policy. The benefit offered is like permanent total disablement but in this scenario, the disablement is only partial and not total but is irrecoverable. In case of an accident, the policyholder shall be compensated as per...

Dewatering expense is an exclusion in the Contractors All Risk insurance policy but the coverage for the dewatering can be included in the main policy by paying extra premium. A dewatering add-on or warranty is normally added to the Contracts All Risks Insurance Policy mainly if the policy is regarding...

What Is Cross-Liability Insurance? Cross-liability is an addition that offers coverage for insurance policies to cover multiple insureds and provide cover for both parties if one makes a claim against the other insured. Cross-liability coverage handles the different insureds covered under the same contract as if they have their own...