Corporate Insurance
Solutions

Comprehensive risk management and insurance solutions for businesses of every size — protecting your assets, people and reputation.

Gateway Corporate Practice

Protecting Your Business, End to End

At Gateway, we understand that every business faces unique risks. Our corporate insurance practice is built on deep industry expertise, a wide network of leading insurers, and a commitment to designing bespoke risk management solutions that truly protect your enterprise.

From fire and property damage to cyber threats and employee benefits, our team of specialists covers the full spectrum of commercial insurance needs — ensuring your business is protected against the unexpected, so you can focus on growth.

  • Full suite of commercial insurance products
  • Industry-specific risk assessment
  • Access to leading Indian and global insurers
  • Dedicated relationship manager for corporate accounts
Request a Corporate Assessment
Corporate Insurance

Property & Engineering Insurance

Property and Engineering Insurance protects your business assets against a wide range of physical risks — from fire and natural disasters to equipment breakdown and construction-related losses. Whether you operate a manufacturing plant, office complex or construction project, we design coverage that matches your specific risk profile.

Fire Insurance — Named Perils

  • Fire — Covers damages caused by fire, excluding fermentation or natural heating
  • Lightning — Protection against damages caused by lightning strikes to roof or structural elements
  • Explosion / Implosion — Covers fire damages due to explosions or implosions, excluding steam-generating machinery
  • Aircraft Damage — Includes losses caused by aircraft or objects dropped from them
  • Riots, Strikes or Terrorist Activities — Covers damage from riots, strikes and acts of terrorism
  • Natural Calamities — Safeguards against storms, floods, hurricanes and cyclones
  • Subsidence and Landslides — Covers damages caused by landslides, excluding coastal erosion
  • Bursting / Overflowing of Water Tanks — Covers damage from water tanks, pipes and apparatus
  • Bush Fires — Covers damage from bushfires (excludes forest fires)

Engineering Insurance

Contractors All Risk (CAR)
Specialised insurance for builders and contractors at construction sites. Covers public liability, contract works, plant (owned and hired) and employee tools — from the storage phase to project completion and handover.
Project-Specific Coverage Comprehensive Protection Meets Contractual Obligations Risk Transfer Continuity Assurance
Who needs it: Contractors | Builders | Construction Companies | Project Owners | Subcontracting Firms
Erection All Risk (EAR)
Comprehensive coverage for loss or damage during erection and installation of machinery, plant and equipment. Protects against fire, theft, accidents, natural disasters and liability claims.
Physical Damage Natural Disasters Third-Party Liability Accidental Events
Exclusions: Consequential losses, wilful acts or negligence
Contractors Plant & Machinery (CPM)
Tailored protection for contractors' equipment at construction sites — bulldozers, loaders, cranes, compressors, generators and excavators. Covers owned and rented equipment against accidents, theft and physical damage.

Industries Particularly Suited

Manufacturing IT Parks Retail & Warehousing Hospitality Healthcare Education Real Estate

Property insurance is the cornerstone of any business risk management programme. Gateway's property specialists will conduct a thorough risk assessment to ensure your coverage limits and terms are aligned with your actual replacement values.

Get a Property Quote

Property & Engineering

Industrial Risks Commercial Properties Construction Projects

Marine Insurance

Cargo Hull Freight Liability
Corporate Insurance

Marine Insurance

Marine Insurance protects businesses engaged in the movement of goods and cargo against losses arising during transit, whether by sea, air, road or rail. We also offer cover for vessels under Hull Insurance.

Product Lines

Marine Import Transit Insurance
For goods being imported into the country — comprehensive coverage from origin port to final destination, protecting against loss or damage in transit.
Marine Export Transit Insurance
Covers goods being exported from India — protects cargo from your warehouse to the overseas buyer's premises. Includes Single Transit, Open Cover and Annual policies.
Marine Inland Transit Insurance
For domestic cargo shipments within the country — covers goods moved by road, rail or inland waterways from one location to another within India.
Freight Liability Insurance
Covers the legal liability of freight forwarders and logistics companies for loss or damage to clients' cargo while in their care, custody and control.
Hull Insurance
Hull insurance provides coverage for ships, vessels, and their equipment and machinery — covering the hull or body of the ship from risks like grounding, collisions, piracy and sea storms. Applicable to ship owners, port authorities, and private/public port operators. Can be written to cover a single vessel or an entire fleet, including oil rigs and floating machinery.
Brown-Water Hull
Covers vessels travelling on inland waters — lakes and rivers.
Blue-Water Hull
Covers vessels on large water bodies — oceans and seas.

Key Benefits

  • Coverage from warehouse to warehouse
  • Institute Cargo Clauses (A, B, C) coverage options
  • Strike, Riot and Civil Commotion cover available
  • War risk coverage for international shipments
  • Claims settlement in India and overseas

Gateway's marine specialists work closely with your logistics and procurement teams to ensure your import and export shipments are adequately covered from point of origin to final destination.

Get a Marine Quote
Corporate Insurance

Liability Insurance

Liability Insurance protects your business against third-party claims for bodily injury, property damage or financial losses arising from your business operations, products or professional services. In today's litigious environment, liability coverage is a non-negotiable element of business risk management.

SPECIALTY LINES
Directors & Officers (D&O)
Protects company directors and officers from personal liabilities related to wrongful acts during the course of their duties.
Professional Liability
Tailored for professionals including lawyers, accountants, contractors and doctors. Provides protection against claims of negligence, malpractice, mistakes or misrepresentation.
Commercial Crime Insurance
Secures organisations against property loss or damage due to crimes such as theft or fraud.
Cyber Insurance
Designed to help businesses manage risks tied to cybercrimes including ransomware, data breaches and network compromises. See Cyber section →
Public Offering of Securities Insurance (POSI)
Covers liabilities arising from errors or misstatements in securities offering documents.
CASUALTY LINES
Commercial General Liability (CGL)
Protects businesses from legal liabilities due to bodily injury, property damage, or issues arising from business operations, premises or completed products.
Product Liability & Recall
Product Liability covers claims from defective products causing bodily injury or property damage. Product Recall covers costs incurred in recalling defective products.
Errors & Omissions (E&O)
Protects professionals from claims arising due to mistakes, negligence or failures in providing their services.
Employees Compensation Insurance
Covers statutory liabilities for employer's responsibility in cases of employee injury or death during employment. Includes additional employer liability coverage under common law.

Gateway's liability specialists will map your business risks and recommend the right combination of liability covers to ensure comprehensive protection for your company, directors and professional team.

Get a Liability Quote

Liability Insurance

D&O CGL E&O Product Liability

Employee Benefits

Group Health Group Life GPA Travel
Corporate Insurance

Employee Benefits Insurance

Employee Benefits Insurance is a critical component of any organisation's human capital strategy. Comprehensive employee benefit programmes not only protect your workforce but also serve as a powerful tool for talent attraction and retention.

Our Employee Benefits Portfolio

Group Mediclaim (Group Health Insurance)
Comprehensive insurance for employers, institutions, societies and clubs covering hospitalisation expenses for employees or registered members.
Coverage includes:
Hospitalisation Expenses Medicine & Diagnostics Domiciliary Hospitalisation Day Care Treatment Pre & Post Hospitalisation Maternity (zero waiting period) Baby cover from day one Pre-existing illnesses Ambulance charges
Exclusions: Nuclear perils | Plastic surgery | Vision aids | Dental (unless accident) | Naturopathy | Alcoholism & drug abuse
Group Term Life Insurance
Provides comprehensive financial cover against death or disablement. Designed to support both employer and employee with flexible, cost-effective plans.
Key features:
Default Insurance Cover Gratuity Funding Tax Benefits Customisable Plans No Medical Check-Up Required Cost Effective
Group Personal Accident (GPA)
Ensures financial security for the employee's family in the event of death or disablement.
Coverage includes:
Accidental Hospitalisation Medical Extension Cover Loss of Income Benefit OPD Cover Children Education Grant Funeral Expenses Repatriation of Mortal Remains
Exclusions: Self Injury | Suicide | Influence of Intoxicating Substances | War & Nuclear Risks
Group Travel Insurance
Covers employees on business travel against medical emergencies, trip cancellation, loss of baggage and other travel-related risks — domestically and internationally.

Why Employee Benefits Matter

  • Enhance employee satisfaction and loyalty
  • Competitive differentiator in talent acquisition
  • Tax benefits available under applicable regulations
  • Gateway manages enrolment, policy administration and claims support

Gateway provides end-to-end employee benefits management — from programme design and insurer negotiations to employee communication, enrolment support and year-round claims assistance.

Design Your Benefits Programme
Corporate Insurance

Trade Credit Insurance

Trade Credit Insurance (also known as Debtor Insurance) protects your business against the risk of non-payment by buyers — whether due to insolvency, prolonged default, or political risk in export markets. It safeguards your receivables and provides the confidence to extend credit terms and grow your business.

Key Benefits

  • Protection against buyer insolvency and payment default
  • Covers domestic and export receivables
  • Political risk cover for international trade
  • Strengthens balance sheet and credit ratings
  • Enables businesses to extend better credit terms, boosting sales
  • Facilitates bank financing against insured receivables

Specific Coverage Types

Protracted Default
Non-payment for 6 or more months beyond the due date — covers prolonged payment delays that threaten your cash flow.
Political Risk
Non-payment due to political events such as war, trade embargo or government action — critical cover for exporters operating in volatile markets.
Insolvency
Covers losses arising from buyer liquidation, composition with creditors or similar insolvency conditions.
What's NOT Covered
Trade disputes or advance sales  |  Transactions with private individuals or associates  |  Losses exceeding credit limits  |  Deliveries post-insolvency  |  Unfulfilled contract obligations
Premium note: Premium is charged monthly, calculated as a percentage of sales or receivables.

Who Needs Trade Credit Insurance?

Manufacturers Exporters Wholesalers Distributors Service Providers MSME Businesses

Gateway's trade credit specialists work with leading domestic and international trade credit insurers to protect your receivables and support your business growth strategy.

Protect Your Receivables

Trade Credit Insurance

Domestic Export Political Risk

Specialty Insurance

Aviation Fine Art Key Man Events
Corporate Insurance

Specialty Insurance

Specialty Insurance covers complex and unique risks that fall outside the scope of standard insurance products. Gateway's specialty practice brings together deep expertise and access to specialist markets to design bespoke solutions for niche and high-value risks.

Our Specialty Lines

Aviation Insurance
Covers aircraft hull, passenger liability, third-party liability and hangar keepers' liability.
Fine Art & Collectibles
Bespoke coverage for fine art, jewellery, antiques and high-value collections.
Key Man Insurance
Protects businesses against the financial impact of losing a key person through death or critical illness.
Event Insurance
Covers financial losses arising from event cancellation, postponement or abandonment due to unforeseen circumstances.

Why Choose Gateway for Specialty Risks

  • Access to specialist domestic and London market insurers
  • Experienced team with knowledge of complex risk structures
  • Bespoke policy wordings tailored to your specific needs
  • Expert claims management and advocacy

Contact our specialty team to discuss your unique risk requirements. We thrive on solving complex insurance challenges that others cannot.

Discuss Your Specialty Risk
Corporate Insurance

Surety Bonds

Surety Bonds provide a financial guarantee that a principal will fulfil their contractual obligations to a third party (the obligee). Unlike insurance, surety bonds are three-party arrangements that protect the project owner or government body against default, non-performance or financial loss.

Types of Surety Bonds

Bid / Tender Bond
Guarantees that a contractor will honour their bid and enter into a contract if awarded, preventing frivolous bids.
Performance Bond
Assures the project owner that the contractor will complete the project as per the contract terms and specifications.
Advance Payment Bond
Protects the employer in case the contractor fails to utilise the advance payment for the intended purpose or abandons the project.
Retention Money Bond
Allows contractors to receive retention money early, while providing the employer with recourse in case of defects.
Payment Bonds
Ensures timely payment to subcontractors and suppliers. Example: Covers subcontractor payments in commercial building projects.
Maintenance Bonds
Covers post-project defects during the maintenance period. Example: Repairs workmanship defects discovered after completion of a highway project.

Key Benefits of Surety Bonds

  • Financial Security — Surety assumes responsibility if the contractor defaults, protecting the project owner from financial loss
  • Risk Transfer — Protects project owners and obligees from unforeseen losses arising from contractor non-performance
  • Bank Guarantee Alternative — Acts as a cost-effective alternative to traditional bank guarantees, freeing up credit lines

Who Needs Surety Bonds?

Government Contractors Infrastructure Companies Construction Firms EPC Companies Real Estate Developers

Surety bonds are increasingly required for government and large private sector contracts in India. Gateway's surety team can assist in obtaining the required bonds quickly and at competitive pricing.

Enquire About Surety Bonds

Surety Bonds

Bid Bonds Performance Advance Payment

Cyber Insurance

Data Breach Ransomware Business Interruption
Corporate Insurance

Cyber Security Insurance

As businesses become increasingly digital, cyber risks have emerged as one of the most significant threats to organisations of all sizes. Cyber Insurance provides financial protection against the potentially devastating consequences of data breaches, ransomware attacks, and other cyber incidents.

What Cyber Insurance Covers

First Party Expenses
Financial loss, business interruption, recovery costs, credit monitoring and system damage — direct costs your business bears after a cyber incident.
Regulatory Investigation Cover
Lawyer fees, administrative costs and GDPR-related expenses arising from regulatory investigations and data protection authority actions.
Crisis Management Expenses
Forensic audits, stakeholder notifications, reputation management and cyber extortion / ransomware response support.
Privacy & Data Liability Claims
Third-party liabilities arising from security breaches, defamation and lawsuits related to privacy violations and data exposure.
Fraudulent Transactions & Identity Fraud
Covers direct financial losses from social engineering, phishing, funds transfer fraud and identity theft targeting the organisation or its employees.
Digital Reputation Loss & Cyberbullying
Covers computer virus attacks, digital reputation damage and cyberbullying — protecting individuals and brands from online harm.
What's NOT Covered
Intentional losses  |  Pre-existing incidents  |  Physical injuries or property damage  |  Delayed or unjustified claims  |  Non-personal claims

Why Every Business Needs Cyber Insurance

  • Cyber attacks have increased by 300%+ in India in recent years
  • Average cost of a data breach in India is ₹17.9 crore (IBM 2023)
  • DPDP Act 2023 imposes significant penalties for data breaches
  • Ransomware can cripple business operations for weeks
  • SMEs are increasingly targeted due to weaker security infrastructure

Gateway's cyber specialists will assess your digital risk posture and recommend the right coverage limits and policy features to protect your organisation in today's threat landscape. A cyber risk assessment is complimentary for corporate clients.

Get Cyber Risk Assessment
Specialty Insurance

Film, OTT & Media Insurance

Comprehensive protection for the entertainment industry — from pre-production to post-release. We cover the full spectrum of risks faced by filmmakers, producers, OTT platforms and media houses.

Film & Production Package
End-to-end coverage for film shoots — cameras, equipment, sets, props, costumes and production vehicles against accidental damage, theft or loss.
Set & Location Insurance
Protects physical sets, studio infrastructure and on-location assets. Covers damage to rented premises, third-party property and fire-related perils.
Cast & Crew Insurance
Covers production cost overruns caused by sudden illness, accidental injury or death of a key cast member or director requiring replacement.
Errors & Omissions (E&O)
Protects against claims of copyright infringement, defamation, plagiarism or unauthorised use of music, footage or creative content.
OTT Platform & Content Liability
Covers streaming platforms and digital content distributors against content-related liability, cyber risks, data breaches and regulatory challenges.
Completion Guarantee & Negative Film
Ensures the film is completed and delivered on time, covering cost overruns and insuring original negatives / digital masters against loss or damage.
Enquire About Media Insurance
Our Differentiators

Why Trust Gateway for Corporate Insurance?

01

Sector Expertise

Deep understanding of sector-specific risks across Financial Services, Manufacturing, IT/ITES, Energy, Healthcare and more.

02

Insurer Relationships

Strong partnerships with leading domestic and international insurers ensuring access to the best coverage at competitive premiums.

03

Dedicated Relationship Manager

Every corporate client is assigned a dedicated relationship manager for personalised service and continuity.

04

Claims Advocacy

Our team advocates on your behalf during claims to ensure fair, prompt and complete settlement.

Our Expertise

Risk Assessment & Underwriting Solutions

We don't just place insurance — we engineer bespoke risk solutions tailored to your unique exposure profile.

Risk Profiling & Analysis

Detailed evaluation of client needs, industry-specific risks and financial exposure to map your complete risk landscape.

Customised Policy Structuring

Tailored solutions for corporate and individual clients, ensuring optimal coverage without over- or under-insuring.

Insurer Collaboration

Strong relationships with leading domestic and international insurers to negotiate the best terms and pricing on your behalf.

Regulatory Compliance

Full adherence to IRDAI guidelines and proactive risk mitigation strategies to keep your business compliant.

Industry-Specific Underwriting

Deep expertise in underwriting across Financial Services, Manufacturing, IT/ITES, Healthcare, Energy and more.

Technology-Driven Insights

Data analytics and technology tools for improved risk assessment, trend analysis and underwriting efficiency.

What's in it for you:

✓ Best-fit solutions tailored to unique risk profiles ✓ Competitive pricing and policy optimisation ✓ Full regulatory compliance and risk mitigation
Claims Support

Seamless Claims Management

When you need us most — we're there. Our dedicated claims team ensures every claim is handled with speed, transparency and maximum recovery.

End-to-End Assistance

From claim intimation to final settlement — we manage the entire process ensuring hassle-free, timely resolution.

Dedicated Claims Desk

A specialised team handles all queries, documentation and coordination with insurers on your behalf.

Expedited Settlements

Leveraging strong insurer relationships for faster resolution and maximum claim recovery for every client.

Dispute Resolution

Expertise in handling disputed claims, ensuring fair settlements and advocating strongly for our clients.

Industry Claims Expertise

Specialised knowledge in handling complex claims across Fire, Marine, Liability, Engineering and more.

Data-Driven Analytics

Identifying claim trends and patterns to minimise future risks and continuously optimise your coverage.

What's in it for you:

✓ Faster & seamless claim processing ✓ Maximised claim payouts and dispute resolution expertise ✓ Transparent and customer-focused approach

Protect Your Business with Gateway

Get a comprehensive corporate risk assessment from our specialists. No obligation, no cost.