Shopkeeper Insurance
National Insurance Company Limited (NICL) koi standard “Soap Insurance Plan” specifically offer nahi karti. Jo aap “Soap Insurance” keh rahe hain, woh darasal General Insurance policies ka ek combination hota hai, jo kisi bhi manufacturing unit (jaise sabun banane waali factory ya company) ke har tarah ke khatron (risks) ko cover karta hai.
Sabun banane ka business ek manufacturing and commercial risk hai, aur NICL aise businesses ke liye tailor-made Package Policies provide karta hai. Is description mein, main aapko woh zaroori policies bataunga jo ek sabun banane waali company ko National Insurance se leni chahiye, jise hum “Soap Manufacturing Unit Comprehensive Insurance Package” keh sakte hain.
1. Fire and Allied Perils Insurance (Property aur Asset ki Suraksha) 🔥
Yeh sabse buniyadi (basic) aur zaroori policy hai, jise Standard Fire and Special Perils Policy (SFSP) kehte hain. Yeh sabun factory ki physical assets ko cover karti hai.
Kya Cover Hota Hai?
Building (Imaarat): Factory shed, office building, aur warehouse.
Plant and Machinery: Sabun banane mein use hone waali saari machines (jaise mixers, plodders, cutters, stampers).
Stock-in-Trade (Maal):
Raw Materials: Chemicals, oils, fats, fragrances (jaise caustic soda, palm oil, essential oils).
Work-in-Progress (WIP): Adha bana hua sabun.
Finished Goods: Ban kar taiyar ho chuke sabun ke boxes aur cartons.
Kin Khatron Se Cover?
Fire (Aag): Factory mein koi short-circuit ya chemical reaction se aag lagna.
Explosion/Implosion: Boiler ya chemical storage tank mein dhamaka.
Natural Calamities: Flood, Cyclone, Earthquake (agar add-on liya ho).
RSMD: Riot, Strike, Malicious Damage.
Zaroori Baat (Stock Valuation)
Sabun company mein Stock ki valuation bahut important hai. Finished Goods ko Selling Price ya Manufacturing Cost par cover karwana zaroori hai, taaki nuksaan hone par sahi muawza mil sake.
2. Machinery Breakdown (MB) Insurance ⚙️
Sabun ki production line (paidaawar shrinkhla) mein agar koi machine kharab ho jaaye, toh production ruk jaata hai. MB policy isi khatre ko cover karti hai.
Kya Cover Hota Hai?
Sudden Mechanical Breakdown: Agar koi plodder machine ya packaging machine achanak andaruni (internal) galti se toot jaaye ya kharab ho jaaye.
Electrical Faults: High voltage ya short circuit se machine ke motors aur panels ka jal jaana.
Iska Fayda
Agar koi badi machine toot jaaye, toh use repair ya replace karne ka kharcha bahut zyada hota hai. MB policy yeh kharcha cover karke production ko jaldi se jaldi wapas shuru karne mein madad karti hai.
3. Business Interruption (Loss of Profit) Insurance 📉
Yeh sabse critical policy hai. Sirf factory ko repair karne ka kharcha milna kaafi nahi hai. Jab tak repair chalta hai, us dauraan business ka profit ruk jaata hai aur fixed expenses (jaise employee ki salary, rent) chalu rehte hain.
Kya Cover Hota Hai?
Loss of Profit: Fire ya MB jaise covered perils ki wajah se production rukne par hone waala profit ka nuksaan.
Standing Charges: Woh zaroori kharche jo business band hone par bhi chalu rehte hain (jaise permanent staff ki salary, loan ki EMI, rent).
Yeh cover sunischit (ensure) karta hai ki property damage ke bawajood company financial roop se collapse na ho.
4. Liability Insurance (Zimmedariyon Ka Cover) 🤝
Sabun manufacturing mein do tarah ki liabilities ka khatra rehta hai:
A. Public Liability (PL)
Coverage: Agar factory ke operation ki wajah se koi teesra vyakti (visitor, padosi) chotil ho jaaye ya uski property ko nuksaan ho (jaise factory se nikle chemical waste se padosi ke khet ya ghar ko nuksaan).
B. Product Liability (PLI)
Coverage: Sabun use karne ke baad agar kisi consumer ko nuksaan ho (jaise chemical reaction se skin allergy ya koi serious health issue). Agar consumer company par legal case file karta hai, toh yeh policy legal fees aur compensation cover karti hai. Sabun jaise consumer goods ke liye yeh policy bahut zaroori hai.
5. Workman’s Compensation Policy (Employees Ka Cover) 🩹
Yeh policy legally mandatory (kanooni roop se zaroori) hai.
Coverage: Agar factory mein kaam karne waale kisi employee ko duty ke dauraan (ya kaam se related activity mein) chot lagti hai, beemaari hoti hai, ya maut ho jaati hai, toh company ki legal zimmedari ke anusaar compensation cover hota hai.
Khatre: Chemical handling ke dauran jal jaana, machine mein haath aa jaana, ya factory building girne se chot lagna.
6. Marine Transit Insurance (Goods Transport Ka Cover) 🚚
Sabun factory mein Raw Material aata bhi hai aur Finished Goods jaate bhi hain.
Coverage: Yeh policy raste mein (road, rail, ya samundar se) maal ko hone waale nuksaan ya chori ko cover karti hai.
Inward Transit: Raw materials ko supplier se factory tak laane mein hone waala nuksaan.
Outward Transit: Factory se distributors/dealers tak sabun ke boxes ko bhejte samay hone waala nuksaan (jaise truck accident ya raste mein chori).
Soap Insurance Package Ki Khasiyat (The Whole Picture)
“Soap Insurance” ek single policy nahi hai, balki NICL dwara diye gaye 6-7 policies ka ek strategic bundle hai. Ek sabun manufacturing company ko yeh package isliye lena chahiye:
Holistic Protection: Manufacturing se lekar final delivery tak aur employee safety se lekar legal liability tak, sab kuch cover ho jaata hai.
Risk Mitigation: Sabun ki factory mein Chemical Storage, Boiler Operation, aur Heavy Machinery ke kaaran fire aur explosion ka risk zyada hota hai. Yeh package in high-risk areas ko directly address karta hai.
Customization: NICL in policies ke Sum Insured ko company ke Annual Turnover, Stock Value, aur Machinery Cost ke hisaab se customize karta hai.
Isliye, agar aap sabun ka business karte hain, toh aapko NICL se sirf “Soap Insurance” nahi, balki yeh “Comprehensive Manufacturing Package” lena chahiye.