Raghnall Insurance Broking & Risk Management Pvt. Ltd.

Raghnall Insurance Broking & Risk Management Pvt. Ltd. India’s leading Insurance Broker and Risk Advisor. We serve large Businesses, MSMEs & Individuals

📌 Myth vs Fact Series | Post 3Think subcontractors are automatically covered under the main contractor's CAR policy? Thi...
07/08/2026

📌 Myth vs Fact Series | Post 3

Think subcontractors are automatically covered under the main contractor's CAR policy? Think again.

This is one of the most overlooked gaps in construction insurance.

Myth: Subcontractors are automatically covered under the main contractor's CAR policy.

Fact: Subcontractors are typically covered as "named insureds" or "co-insureds" only if the policy explicitly extends to them. This needs to be confirmed and documented — never assumed.

A well-informed decision today can help avoid costly surprises during a claim.

Stay tuned as we continue to debunk common insurance myths in our Myth vs Fact series.

📌 Myth vs Fact Series | Post 2Think the project owner can leave CAR Insurance entirely to the contractor? Think again.Th...
24/07/2026

📌 Myth vs Fact Series | Post 2

Think the project owner can leave CAR Insurance entirely to the contractor? Think again.

This is one of the most common misconceptions in construction insurance.

Myth: If the contractor arranges the Contractor’s All Risk (CAR) policy, the project owner doesn’t need to be involved.

Fact: CAR policies are generally issued jointly in the names of the project owner, main contractor, and subcontractors. This gives the project owner a direct stake in the policy, making it essential to understand the coverage, limits, and exclusions.

A well-informed decision today can help avoid costly surprises during a claim.

Stay tuned as we continue to debunk common insurance myths in our Myth vs Fact series.

🚧 Myth vs Fact: Contractor’s All Risk (CAR) Insurance📌 Series 2 | Post 1Myth: CAR insurance is only for large, long-term...
17/07/2026

🚧 Myth vs Fact: Contractor’s All Risk (CAR) Insurance
📌 Series 2 | Post 1

Myth: CAR insurance is only for large, long-term construction projects.
Fact: Even small-scale or short-duration projects—like renovations or minor civil works—are exposed to material damage and liability risks. CAR policies can be tailored with flexible durations and sums insured to suit any project size.

Don’t let misconceptions leave your projects exposed. The right coverage is not about size—it’s about risk.

💭 Myth or Fact? Let's bust it.Myth: Workmen Compensation Insurance replaces the need for a Public Liability policy.Fact:...
03/07/2026

💭 Myth or Fact? Let's bust it.
Myth: Workmen Compensation Insurance replaces the need for a Public Liability policy.
Fact: Not really. WC covers your employees, while Public Liability covers third parties — most businesses actually need both to be fully protected.
⚠️ Relying on just one policy could leave a serious gap in your coverage.
At Equirus Raghnall, we help you stay protected with the right understanding.
👉 What do you think — were you aware of this?

💭 Myth or Fact? Let's bust it.Myth: WC Insurance covers ESI obligations too.Fact: Not really. WC and ESIC are completely...
26/06/2026

💭 Myth or Fact? Let's bust it.
Myth: WC Insurance covers ESI obligations too.

Fact: Not really. WC and ESIC are completely separate frameworks — and depending on the employee's wage bracket, both may apply at the same time.
⚠️ Confusing the two could leave your business non-compliant and your employees underprotected.

At Equirus Raghnall, we help you stay protected with the right understanding.
👉 What do you think — were you aware of this?

🧘‍♀️ Happy International Yoga Day!True strength begins with a balanced mind. At Equirus Raghnall Insurance Broking Pvt L...
21/06/2026

🧘‍♀️ Happy International Yoga Day!

True strength begins with a balanced mind. At Equirus Raghnall Insurance Broking Pvt Ltd, we believe well-being is the foundation of every great decision — personal and professional.

This Yoga Day, take a moment to breathe, realign, and invest in yourself. 🌿

✨ Balance in mind. Strength in action.

✨ Celebrating Yoga Day at our office! ✨Today, we embraced wellness, mindfulness, and positivity as we came together to c...
19/06/2026

✨ Celebrating Yoga Day at our office! ✨

Today, we embraced wellness, mindfulness, and positivity as we came together to celebrate International Yoga Day. 🧘‍♀️

From stretching our limits to finding inner peace, it was a refreshing break that reminded us of the importance of a healthy mind and body in our daily lives.

Let’s continue to stay balanced, focused, and energized—on and off the mat! 🌿

💭 Myth or Fact? Let's bust it.Myth: A claim can't be filed if the injury wasn't reported immediately.Fact: Not really. C...
19/06/2026

💭 Myth or Fact? Let's bust it.
Myth: A claim can't be filed if the injury wasn't reported immediately.

Fact: Not really. Claims can still be filed within the legal time limit — delayed reporting complicates, but doesn't void, a valid claim.
⚠️ A small misconception can cost an employee their rightful compensation.

At Equirus Raghnall, we help you stay protected with the right understanding.
👉 What do you think — were you aware of this?

A Partnership Built on Vision, Innovation, and Trust.Equirus Raghnall and Kiwi General Insurance Limited unite to redefi...
12/06/2026

A Partnership Built on Vision, Innovation, and Trust.

Equirus Raghnall and Kiwi General Insurance Limited unite to redefine the insurance experience. By leveraging shared expertise and forward-thinking strategies, this collaboration aims to deliver comprehensive, agile, and customer-centric solutions—ensuring stronger protection and greater confidence for the future.

💭 Myth or Fact? Let's bust it.Myth: WC insurance is too expensive for small businesses.Fact: Not really. Premiums are ba...
12/06/2026

💭 Myth or Fact? Let's bust it.
Myth: WC insurance is too expensive for small businesses.
Fact: Not really. Premiums are based on payroll and risk level — proportional and affordable. Not having it costs far more.
⚠️ A small misconception can lead to big financial risks.
At Equirus Raghnall, we help you stay protected with the right understanding.
👉 What do you think — were you aware of this?

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3, JITO House, MIDC Road, Andheri East
Mumbai
400093

Telephone

+917045161616

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