Institutional General, Commercial Asset & Corporate Liability Protection

If an asset is insured for less than its true reinstatement value at the time of loss (e.g. insured for ₹5 Cr when replacement value is ₹10 Cr), the insurer pays only 50% of any claim, even for partial damage. MFeasy ensures proper reinstatement valuation so this clause never penalizes your business.

Standard fire insurance only pays for physical bricks and machinery replacement. Business Interruption insurance pays for ongoing fixed expenses (salaries, bank EMIs, rent) and lost net profit while your facility is shut down for repairs post-disaster.

Company directors and officers face personal financial liability for regulatory actions, shareholder lawsuits, employment disputes, and corporate compliance failures. D&O insurance pays legal defence costs and court settlements, protecting personal family estates.

For substantial commercial losses, MFeasy coordinates with the surveyor to submit a preliminary report within 14 days, enabling insurers to disburse an interim advance (often 50% of undisputed loss) to keep your cash flow moving.