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UAIL provides Agriculture insurance under the following categories:

• Birds
• Cattle
• Crop
• Fish
• Fruits
• Tarkari Bari
• Potato
• Mushroom
• Honey Bee
• Ostrich

Contractor's Plant and Machinery

This type of policy includes damage or losses of expensive machinery, for a construction contracting business. This insurance protects the business from these losses. This insurance cover on partial or total damage to equipment or machinery, Insured plant, and machinery for any physical damage by any cause (unless specifically excluded), covers all insured items whether at work, rest, or being dismantled for cleaning and overhauling or in the course of the aforesaid operations themselves, or when being shifted within the premises, or during subsequent re-erections but in any case only after successful commissioning.

Electronic Equipment Insurance Policy

This type of policy provides complete coverage for electronic equipment which includes physical loss or damage to all the electronic equipment, whether the in secured items at work or at rest or being dismantled for the purpose of cleaning, overhauling or of being shifted within the premises or in the course of the aforesaid operations themselves or during subsequent re-erection but in any case only after successful commissioning.

Contractors All Risk

This type of policy provides coverage for property damage and third-party injury or damage claims which include improper construction of structures, the damage that happens during a renovation, and damage to temporary work erected on-site. Third parties, including subcontractors, if they get injured while working at the construction site.

Erection All risk

This type of policy provides coverage to the risk of loss which arises out of the erection and installation of machinery plant and steel structures, including physical damage to the contract works, equipment and machinery, and liability for third-party bodily injury or property damage arising out of these operations.

Marine cum erection

This type of policy provides coverage to principal and contractors and also to the manufacturers and suppliers erecting machinery and plants against financial loss due to any sudden unforeseen cause resulting in loss or damage to the property insured at the project site whilst being stored erected, tested and commissioned.

Personal Accident Insurance

This Policy covers the financial loss that may arise as a result of an accident caused by external violence and visible means causing death or disablement by bodily injury.  In the case of Comprehensive Personal Accident Insurance, it covers Temporary Total Disablement and Medical Expenses up to fixed limits.  Besides, the Policy is extended to cover the risk of Trekking, Mountaineering, Expeditions, Rafting, Commercial Flights, etc.  However, this policy does not cover the chartered flights.

Cash in Transit Insurance

This Policy cover provides an indemnity in respect of loss of money carried by authorized messengers whilst in transit from one to another, specified in the Policy due to robbery, loss caused by the accident of vehicle and airplane.  This insurance is intended for Banks, Industrial, Manufacturing, and other business concern who periodically withdraw large sums of money for payments of salaries and for other day - to day transactions from banks or other sources.

Burglary & House - Breaking Insurance

This insurance is intended to cover the contents of premises against loss or damage by burglary and/ or housebreaking.  Here the Burglary and House- Breaking is defined as theft, involving entry to or exit from the insured premises by forcible and violent means.  

Fidelity Guarantee Insurance

This insurance is intended to provide an indemnity to the employer for financial loss sustained as a result of forgery, embezzlement, and larceny or fraudulent conversion of money of the employer committed by salaried employees in the course of performance of their duties.  The maximum liability under the policy will be the amount of guarantee.

Banker's Indemnity Insurance

This insurance provides an indemnity to the Bank in respect of the following risks:

•  Loss of money or securities by fire, riot, and strike, burglary housebreaking theft, robbery or hold-up;
• Loss of money or securities in transit;
• Payment on forged or raised cheques, drafts, and fixed deposit receipts;
• Dishonest Acts of employees in respect of money and securities;
• Dishonest Acts of employees in respect of pledged goods.

International Travelers Medi-claim Insurance

In view of the increasing need for medical insurance for Nepalese going abroad, UICL has introduced "International Medi-claim Policy" with a wide coverage of personal accidents at a moderate premium rate for medical emergency expenses, hospital expenses, loss of checked baggage, passport and third party liability.

The Policy could also be procured by the students going abroad for further education.

Group cum Family Hospitalization Insurance

This insurance is intended to provide benefit by way of reimbursement of expenses incurred by the insured towards hospitalization including accommodation and nursing attendance, fees for surgeons, and other special services.  Domiciliary/ Hospitalization. I.e. treatment normally requiring hospitalization but where proper treatment is received at home, the same is also covered by this policy.  This policy is designed for the requirement of hospitalization insurance for both the corporate & general public.  

UAIL provides Marine Cargo Insurance for overseas & inland transit of goods whilst in transit by Ship, Air, Rail or Road.  This insurance can also be extended to cover all risks of malicious act as per the institute cargo clauses. 

• Marine Cargo
• Inland Transit
• Overseas Transit
• Air

Third-party

 liability restricted to the liability described in (ii) above and not the insured's vehicle, the policy can be extended to cover the following perils on payment of additional premium: Flood, Earthquake, Strike, Riot Damage, etc.

Motorcycle
Private Vehicle
Commercial Vehicle

Comprehensive - includes any loss or damage to the vehicle by: -

Accidental external means
Fire, external explosion, self-ignition, lightning, burglary, housebreaking, or theft.
Malicious act
Whilst in transit by road, rail, inland waterway, lift or elevator, and;
The insured's liabilities to the third party both in respect of bodily injury and properties of the third party.

UAIL provides three different types of policy in this Insurance:

1. Home Insurance
2. General Property Insurance
3. Lop Industrial/Commercial Risk Property