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What Does the 72-Hour Clause Signify in a Construction Risk Policy? | by Chetan Sharma | Aug, 2025 | Medium

Construction projects are complex, risky, and often unpredictable. When multiple damages happen over a short period, determining whether they count as one incident or multiple can impact how…

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What is Usage-Based Insurance (UBI) and How Does It Work? | by Chetan Sharma | Aug, 2025 | Medium

Insurance has always been about risk, but until recently, most companies calculated that risk using broad categories like age, location, and vehicle type. Usage-Based Insurance (UBI) changes the game…

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What is the Active at Work Clause under the GTL Insurance Policy? | by Insuropedia | Aug, 2025 | Medium

When you take a Group Term Life (GTL) insurance policy, you often focus on the coverage amount and premium costs. However, hidden within the policy documents are clauses that can significantly affect…

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Running Clause in Marine Insurance | by Chetan Sharma | Aug, 2025 | Medium

Marine insurance is a vital safeguard for businesses involved in the transportation of goods by sea. One of its key components, particularly for regular shippers, is the running clause — a provision…

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What is the Difference Between Fatal and Non-Fatal Accidents? | by Chetan Sharma | Aug, 2025 | Medium

Accidents are unforeseen and often unfortunate events that disrupt lives, cause damage, and sometimes result in tragic consequences. Understanding the difference between fatal and non-fatal accidents…

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