Insurance Services Group

Insurance Services Group Insurance Consultancy

Happy Independence Day
15/08/2026

Happy Independence Day

Some journeys are measured not just in years, but in the relationships, trust, and memories they create.As I reflect on ...
12/08/2026

Some journeys are measured not just in years, but in the relationships, trust, and memories they create.

As I reflect on my 23-year association with IFFCO TOKIO General Insurance, I feel immense gratitude for being part of a journey that has been filled with learning, growth, and meaningful professional relationships.

It was truly a pleasure to reconnect with the stalwarts of the organization—Mr. Milan Sanghvi and Mr. Pankaj Dhiman—and to meet the newly appointed Director (Marketing), Mrs. Alpana Singh. Conversations with leaders who have shaped the organization's legacy are always inspiring and reaffirm the values of integrity, customer commitment, and excellence.

Over the last 23 years, I have had the privilege of working alongside dedicated professionals, serving countless customers, and witnessing IFFCO TOKIO evolve into one of India's most respected general insurance companies. Every milestone has strengthened my belief that long-term relationships are built on trust, consistency, and a shared vision.

My heartfelt congratulations to Mrs. Alpana Singh on her new leadership role. Wishing her every success as she leads IFFCO TOKIO's marketing initiatives to even greater heights.

Thank you to everyone at IFFCO TOKIO who has been a part of this remarkable journey. Here's to celebrating the past, embracing the future, and continuing to create value together.

Honoured to be Recognized as a United India Insurance Company Limited – Platinum Advisor for FY 2025–26.I am delighted t...
25/07/2026

Honoured to be Recognized as a United India Insurance Company Limited – Platinum Advisor for FY 2025–26.

I am delighted to receive the Platinum Advisor Facilitation 2025–26 recognition from United India Insurance Company Limited. This achievement reflects the trust of my valued clients, the unwavering support of my team, and the strong partnership with UIIC.

I sincerely thank everyone who has been a part of this journey. This recognition motivates me to continue delivering expert insurance solutions with integrity, professionalism, and a customer-first approach.

Here's to building stronger relationships, protecting more families and businesses, and achieving new milestones together.

Thank you for your continued trust and support!

Fire Insurance – Key Coverages & Add-On CoversStandard CoveragesFire Insurance protects your property and business asset...
12/07/2026

Fire Insurance – Key Coverages & Add-On Covers

Standard Coverages

Fire Insurance protects your property and business assets against financial losses arising from unforeseen events. The policy generally covers:

* 🔥 Fire and Lightning
* ✈️ Aircraft Damage
* 💥 Explosion / Implosion
* 🌪️ Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood & Inundation
* 🌍 Earthquake (Fire & Shock)
* 🚧 Impact Damage by Vehicles or Animals
* 🪨 Subsidence & Landslide (including Rockslide)
* 🏚️ Riot, Strike, Malicious Damage & Civil Commotion
* 🚰 Leakage from Automatic Sprinkler Installations
* 🌳 Bush Fire
* 🧱 Damage due to Collapse of Insured Building (where covered)

The policy can protect:

* Buildings
* Plant & Machinery
* Furniture, Fixtures & Fittings
* Stock & Inventory
* Electrical & Electronic Equipment
* Raw Materials & Finished Goods

Popular Add-On Covers

Enhance your Fire Insurance with valuable optional covers:

* 💰 Declaration Policy (for fluctuating stock values)
* 📈 Escalation Clause (automatic increase in Sum Insured)
* 🏗️ Architects, Surveyors & Consulting Engineers Fees
* 🧹 Removal of Debris Expenses
* 💵 Loss of Rent
* 🏢 Rent for Alternative Accommodation
* ⚙️ Deterioration of Stock (due to power failure after an insured event)
* 💻 Electronic Equipment & Data Restoration
* 🔌 Spoilage of Refrigerated Stock
* 🚪Additional Expenses for Compliance with Municipal Regulations
* 💼 Business Interruption (Loss of Profit) Cover
* 💳 Automatic Reinstatement of Sum Insured
* 🏭 Omission to Insure Additions, Alterations & Extensions
* 🚚 Temporary Removal of Property
* 🪟 Glass Breakage Cover
* 💥 Terrorism Cover (where not included as standard)

Why Add Add-Ons?

Add-on covers help bridge coverage gaps, ensuring your business is protected not only against physical damage but also against financial losses and operational disruptions after an insured event.

Dear     🧘 International Yoga Day & 👨 Father's DayInternational Yoga Day reminds us of the importance of a healthy mind,...
21/06/2026

Dear
🧘 International Yoga Day & 👨 Father's Day
International Yoga Day reminds us of the importance of a healthy mind, body, and soul. Regular yoga improves flexibility, reduces stress, enhances focus, and promotes overall well-being.
Father's Day is a special occasion to honor fathers and father figures for their unconditional love, guidance, sacrifices, and support. They inspire us to grow, dream, and face life's challenges with confidence.
This Yoga Day & Father's Day, let's celebrate health, gratitude, strength, and the invaluable role fathers play in shaping our lives.
Stay Fit. Stay Grateful. Stay Protected.

     "Protecting Your Profits When Business Comes to a Standstill."Business Interruption Insurance protects a business a...
17/06/2026



"Protecting Your Profits When Business Comes to a Standstill."

Business Interruption Insurance protects a business against loss of income and ongoing operating expenses when business operations are disrupted due to an insured event such as fire, explosion, natural catastrophe, storm, flood, or other covered perils.

Key Benefits
✔ Covers loss of gross profit/revenue during the interruption period.
✔ Pays fixed expenses such as rent, salaries, loan EMIs, and utility bills.
✔ Covers additional expenses incurred to minimize business disruption.
✔ Helps maintain financial stability until normal operations resume.
✔ Can be customized with indemnity periods ranging from a few months to several years.

We can cover you
Manufacturers
Retail shops
Offices
Warehouses
Hotels & Restaurants
Hospitals
Service Providers

~Parametric Insurance~* Unlike traditional insurance, which pays out based on the actual, assessed financial value of a ...
14/06/2026

~Parametric Insurance~*

Unlike traditional insurance, which pays out based on the actual, assessed financial value of a loss after an event occurs, parametric insurance is a type of coverage that pays out a pre-agreed amount automatically when a specific, measurable parameter or "trigger" is met.
Instead of waiting weeks or months for a claims adjuster to evaluate physical damage, parametric insurance relies strictly on data.

How It Works: The 3 Core Components
A parametric policy functions seamlessly through three main pillars:

1. *The Parameter (The Trigger):* A verifiable, objective metric related to a natural event or index. Examples include a Category 3 hurricane entering a specific geographical zone, rainfall dropping below 50mm during a crucial crop season, or an earthquake hitting a magnitude of 7.0 or higher.
2. *The Oracle (The Data Provider)* : An independent third party responsible for reporting the data. This ensures transparency and eliminates disputes. Common oracles include government meteorological agencies, satellite networks, or specialized IoT sensors.
3. *The Payout Structure:* A fixed, pre-determined financial amount agreed upon when the policy is written. If the trigger threshold is crossed, the payout is initiated automatically—regardless of whether the actual physical damage is higher or lower than that amount.

*_Key Benefits_*
1. *Unmatched Speed:* Because there is no claims adjusting process, funds are often disbursed within days (or even hours) of the event, providing critical liquidity when it is needed most.
2. *Objectivity & Transparency:* The data is clear and binary: the threshold was either met or it wasn't. This eliminates friction, negotiations, and costly legal disputes between the insurer and the policyholder.
3. *Filling the "Insurance Gap"* : It can cover non-traditional losses that traditional insurance typically excludes, such as business interruption due to a lack of foot traffic after a nearby storm, or clean-up costs.

_Limitations_
Basis Risk: This is the main drawback of parametric insurance. Basis Risk occurs when the trigger is met but you suffer no actual loss (a windfall for you), or conversely, you suffer severe losses but the trigger threshold was narrowly missed, resulting in zero payout.

Common Applications
Parametric insurance is rapidly growing across industries vulnerable to weather and climate volatility:
1. *Agriculture* : Protecting farmers against severe drought or excessive rainfall that ruins crop yields.
2. *Hospitality & Tourism:* Safeguarding hotels against a lack of snow during ski season or severe beach erosion from a tropical storm.
3. *Renewable Energy* : Covering wind or solar farms against financial losses when wind speeds are too low or cloud cover minimizes solar generation.

   Unique Health Insurance for family & Indiviuals with No Claim Discounts
11/06/2026


Unique Health Insurance for family & Indiviuals with No Claim Discounts

   Coverage for family and extended family
08/06/2026


Coverage for family and extended family

     "Protect Today, Secure Their Tomorrow."Term Life Insurance is a pure protection life insurance plan that provides f...
07/06/2026


"Protect Today, Secure Their Tomorrow."
Term Life Insurance is a pure protection life insurance plan that provides financial security to your family in case of the policyholder's unfortunate demise during the policy term. It offers a high sum assured at an affordable premium, ensuring your loved ones can meet their financial needs, repay liabilities, and maintain their lifestyle even in your absence.
Key Benefits: ✔ High Life Cover at Low Premium
✔ Financial Security for Family
✔ Flexible Policy Terms
✔ Tax Benefits under applicable Income Tax laws
✔ Optional Riders for Enhanced Protection
✔ Peace of Mind for Your Loved Ones

Address

O/55 WEST PATEL NAGAR
Delhi
110008

Opening Hours

Monday 10am - 6:30pm
Tuesday 10am - 6:30pm
Wednesday 10am - 6:30pm
Thursday 10am - 6:30pm
Friday 10am - 6:30pm
Saturday 10am - 6:30pm

Telephone

+919818666620

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