{"id":5600,"title":"Employment Practices Liability Insurance Policy Proposal Form","purpose":"proposal","insurer":{"slug":"zurich-kotak-general-insurance","name":"Zurich Kotak General Insurance Company (India) Limited"},"source_pdf":"https://cms.zurichkotak.com/uploads/Proposal_Form_EPL_e82248c05b.pdf","sha256":"06cda1f85f957fab55cdeda30b2b627d4b190a01fe7b3f50140a828ce913cb60","pages":4,"collected":"2026-10-17","instructions":{"about":"This form is used by companies (proposers) to apply for Employment Practices Liability Insurance coverage from Zurich Kotak General Insurance Company. The proposer fills it out to provide details about their company, risk factors, and insurance history.","notes":["Fill the proposal form in BLOCK LETTERS.","All details marked with * are mandatory.","The liability of the company commences only after acceptance of the proposal and receipt of premium.","Provide all information fully, accurately and correctly; non-disclosure may void the policy.","Attach additional sheets if more space is needed, indicating the question number.","Use original documents for attachments where applicable.","Policy covers all subsidiaries and associated companies under management control worldwide.","If the company has operations in the USA, each subsidiary should complete a USA Supplementary Questionnaire.","All policy and service related communication will be sent in soft copy to the email provided unless physical copy is requested."],"title":"Employment Practices Liability Insurance Policy Proposal Form","submit":{"to":"Zurich Kotak General Insurance Company (India) Limited","how":"","address":"401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway, Goregaon (East), Mumbai - 400063, Maharashtra, India"},"purpose":"proposal","sections":[{"title":"Proposer's Details","fields":[{"help":"Enter the full legal name of the company applying for insurance.","type":"text","label":"Name of Proposer","options":[],"required":true,"pdf_field":""},{"help":"Provide the full address of the company's head office.","type":"text","label":"Address of Head Office","options":[],"required":true,"pdf_field":""},{"help":"Enter the official website address of the company.","type":"text","label":"Company Website / URL","options":[],"required":false,"pdf_field":""},{"help":"Select Yes if communication address is same as head office; otherwise select No and provide communication address below.","type":"yes-no","label":"Is the Communication address same as the Head Office address ?","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"Provide communication address if different from head office.","type":"text","label":"Communication Address","options":[],"required":false,"pdf_field":""},{"help":"Enter the country where the company is registered.","type":"text","label":"Country of Registration","options":[],"required":true,"pdf_field":""},{"help":"Enter the date the company was incorporated or formed (DD MM YYYY).","type":"date","label":"Date of incorporation/formation","options":[],"required":true,"pdf_field":""},{"help":"Describe the main business activities of the company.","type":"text","label":"Nature of Operations","options":[],"required":true,"pdf_field":""},{"help":"Enter the total number of company locations.","type":"number","label":"(a) State number of locations","options":[],"required":true,"pdf_field":""},{"help":"Select Yes or No.","type":"yes-no","label":"(b) Is any part of the Company located in the United States of America or Canada?","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"List the first state.","type":"text","label":"If “yes”, please list the five states with the greatest number of employees (largest to smallest) i.","options":[],"required":false,"pdf_field":""},{"help":"List the second state.","type":"text","label":"ii.","options":[],"required":false,"pdf_field":""},{"help":"List the third state.","type":"text","label":"iii.","options":[],"required":false,"pdf_field":""},{"help":"List the fourth state.","type":"text","label":"iv.","options":[],"required":false,"pdf_field":""},{"help":"List the fifth state.","type":"text","label":"v.","options":[],"required":false,"pdf_field":""},{"help":"Select Yes or No.","type":"yes-no","label":"(c) Other than those listed under (b) above, are there any other operations domiciled outside India?","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"Attach a separate sheet with subsidiary details if Yes.","type":"yes-no","label":"(d) Please provide on a separate attachment a complete list of all subsidiary companies including country of registration and percentage owned by the Parent Company other than those shown in the last Report and Accounts.","options":["Yes","No"],"required":true,"pdf_field":""}],"filled_by":"proposer"},{"title":"Risk Details","fields":[{"help":"Select Yes or No.","type":"yes-no","label":"(a) Does the Company have any acquisition, tender offer or merger pending or under consideration?","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"Select Yes or No.","type":"yes-no","label":"(b) Is the Company aware of any proposal relating to its acquisition by another company?","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"Select Yes or No.","type":"yes-no","label":"Does the Company have Employment Practice Liability insurance currently in force?","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"Name the current insurer.","type":"text","label":"If “yes”, please state: i. Insurer","options":[],"required":false,"pdf_field":""},{"help":"State the indemnity limit amount.","type":"amount","label":"ii. Indemnity Limit","options":[],"required":false,"pdf_field":""},{"help":"Enter the expiry date of current insurance (DD MM YYYY).","type":"date","label":"iii. Expiry date","options":[],"required":false,"pdf_field":""},{"help":"Select Yes or No.","type":"yes-no","label":"Has the Company ever had any Insurer decline a proposal, or cancel or refuse to renew an Employment Practice Liability insurance policy?","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"Provide details if applicable.","type":"text","label":"If “yes”, please give details","options":[],"required":false,"pdf_field":""},{"help":"Attach detailed claim information.","type":"attachment","label":"Please provide on a separate attachment full details of all wrongful termination, discrimination and sexual harassment claims made against the Company or any of its subsidiaries or any of their directors, officers or employees during the last five years including amounts of any judgments or settlements and costs of defence.","options":[],"required":true,"pdf_field":""},{"help":"Attach detailed inquiry information.","type":"attachment","label":"Please provide on a separate attachment full details of all inquiries, investigations, grievance filings or other administrative hearings previously filed with or currently before any local or governmental agency governing employer responsibility to employees involving the Company and/or any of its subsidiaries.","options":[],"required":true,"pdf_field":""},{"help":"Attach detailed claim information.","type":"attachment","label":"Please provide on a separate attachment full details of any discrimination and sexual harassment claims made against the Company or any of its directors, officers or employees by any customer or client during the last five years including amounts of any judgments or settlements and costs of defence.","options":[],"required":true,"pdf_field":""},{"help":"Select Yes or No.","type":"yes-no","label":"Are there now or have there been any Employment Practice claim(s) against the Company or any of its subsidiaries?","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"Provide details if applicable.","type":"text","label":"If “yes”, please give details","options":[],"required":false,"pdf_field":""},{"help":"Enter number of full-time employees excluding USA.","type":"number","label":"Please list: (a) Total number of full-time employees: (i) In India and world-wide excluding the United States of America","options":[],"required":true,"pdf_field":""},{"help":"Enter number of full-time employees in USA.","type":"number","label":"(ii) In the United States of America","options":[],"required":true,"pdf_field":""},{"help":"Enter number of part-time employees excluding USA.","type":"number","label":"(b) Total number of part-time employees: (i) In India and world-wide excluding the United States of America","options":[],"required":true,"pdf_field":""},{"help":"Enter number of part-time employees in USA.","type":"number","label":"(ii) In the United States of America","options":[],"required":true,"pdf_field":""},{"help":"Enter number of full-time employees in California.","type":"number","label":"(c) If the Company has operations in the United States of America, total number of employees located in: (I) California : Full-time","options":[],"required":false,"pdf_field":""},{"help":"Enter number of full-time employees in Michigan.","type":"number","label":"Michigan : Full-time","options":[],"required":false,"pdf_field":""},{"help":"Enter number of full-time employees in Texas.","type":"number","label":"Texas : Full-time","options":[],"required":false,"pdf_field":""},{"help":"Enter percentage value.","type":"number","label":"Please list the percentage of employees with salaries greater than: a) Rs 2,500,000 per annum","options":[],"required":true,"pdf_field":""},{"help":"Select Yes or No.","type":"yes-no","label":"Does the Company have a Human Resources department performing a function for the Company and ALL its subsidiaries?","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"Enter number of HR employees if Yes.","type":"number","label":"If “yes”, how many employees are there in this department?","options":[],"required":false,"pdf_field":""},{"help":"Describe how HR functions are handled if no HR department.","type":"text","label":"If “no”, how is the function handled and by how many employees?","options":[],"required":false,"pdf_field":""},{"help":"Enter number of employees.","type":"number","label":"How many directors, officers and other employees have resigned, had their employment terminated (with or without cause) or have taken early retirement within the last 24 months? Employees","options":[],"required":true,"pdf_field":""},{"help":"Enter number of directors and officers.","type":"number","label":"Directors and Officers","options":[],"required":true,"pdf_field":""},{"help":"Select Yes or No.","type":"yes-no","label":"(a) Does the Company have a written Human Resources manual or equivalent written management guidelines?","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"Select Yes or No.","type":"yes-no","label":"If “Yes”, are all management and supervisory employees: (i) provided with a copy of such manual?","options":["Yes","No"],"required":false,"pdf_field":""},{"help":"Select Yes or No.","type":"yes-no","label":"(ii) provided with training in the proper implementation of the Company’s personnel policies and procedures?","options":["Yes","No"],"required":false,"pdf_field":""},{"help":"Tick if policy exists.","type":"checkbox","label":"Please tick box if the manual/ guidelines indicate a policy on procedure with respect to the following events: Written application for employment","options":["Written application for employment"],"required":false,"pdf_field":""},{"help":"Tick if policy exists.","type":"checkbox","label":"Legally prohibited discrimination","options":["Legally prohibited discrimination"],"required":false,"pdf_field":""},{"help":"Tick if policy exists.","type":"checkbox","label":"Compliance with statutes","options":["Compliance with statutes"],"required":false,"pdf_field":""},{"help":"Tick if policy exists.","type":"checkbox","label":"Confidential treatment of medical examinations","options":["Confidential treatment of medical examinations"],"required":false,"pdf_field":""},{"help":"Tick if policy exists.","type":"checkbox","label":"Redundancies, termination of employment and early retirement","options":["Redundancies, termination of employment and early retirement"],"required":false,"pdf_field":""},{"help":"Tick if policy exists.","type":"checkbox","label":"Sexual harassment","options":["Sexual harassment"],"required":false,"pdf_field":""},{"help":"Tick if policy exists.","type":"checkbox","label":"Employee disciplinary actions","options":["Employee disciplinary actions"],"required":false,"pdf_field":""},{"help":"Tick if policy exists.","type":"checkbox","label":"Employee out-placement services","options":["Employee out-placement services"],"required":false,"pdf_field":""},{"help":"Tick if policy exists.","type":"checkbox","label":"Employee appraisals/reviews","options":["Employee appraisals/reviews"],"required":false,"pdf_field":""},{"help":"Tick all that apply.","type":"checkbox","label":"Please tick relevant box(es) if decisions regarding these events are always subject to prior review by the Company’s Human Resources department, Legal department or outside Legal Adviser. Individual decisions are always reviewed by:","options":["Human Resources Dept.","Legal Dept.","External Legal Adviser"],"required":false,"pdf_field":""},{"help":"Select Yes or No.","type":"yes-no","label":"Does the Company have an employee handbook which is distributed to all employees?","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"Attach employee handbook if available.","type":"attachment","label":"If “yes”, please attach such handbook to this proposal.","options":[],"required":false,"pdf_field":""},{"help":"Select Yes or No.","type":"yes-no","label":"Is the Company currently undergoing, or does the Company contemplate undergoing during the next 12 months, any employee layoffs or early retirement (including those resulting from any type of company restructuring, office, plant or store closure)?","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"Attach details of layoffs or early retirement if applicable.","type":"attachment","label":"If “yes”, please attach full details.","options":[],"required":false,"pdf_field":""},{"help":"Enter the indemnity amount requested.","type":"amount","label":"Amount of Indemnity required","options":[],"required":true,"pdf_field":""}],"filled_by":"proposer"},{"title":"Other Details","fields":[{"help":"Select nationality.","type":"choice","label":"Nationality","options":["Indian","Non - Indian"],"required":true,"pdf_field":""},{"help":"Specify country if Non-Indian.","type":"text","label":"If Non-Indian, please specify country","options":[],"required":false,"pdf_field":""},{"help":"Select source of funds.","type":"choice","label":"Sources of funds","options":["Salary","Business","Investments","Other (Please Specify)"],"required":true,"pdf_field":""},{"help":"Enter CKYC number if available.","type":"text","label":"Company’s CKYC Identifier / Number (Generated by CERSAI)","options":[],"required":false,"pdf_field":""},{"help":"Enter company PAN number.","type":"text","label":"PAN (mandatory)","options":[],"required":true,"pdf_field":""},{"help":"Enter GSTIN if applicable.","type":"text","label":"GSTIN","options":[],"required":false,"pdf_field":""},{"help":"Enter name of authorized signatory.","type":"text","label":"Please share the below details for the Authorised Signatory: Name","options":[],"required":true,"pdf_field":""},{"help":"Enter designation of authorized signatory.","type":"text","label":"Designation","options":[],"required":true,"pdf_field":""},{"help":"Enter PAN of authorized signatory.","type":"text","label":"PAN","options":[],"required":true,"pdf_field":""},{"help":"Enter CKYC number of authorized signatory if available.","type":"text","label":"CKYC Identifier / Number (Generated by CERSAI)","options":[],"required":false,"pdf_field":""}],"filled_by":"proposer"},{"title":"Electronic Insurance Account Details of Proposer","fields":[{"help":"Select Yes if you have an Electronic Insurance Account, else No.","type":"yes-no","label":"Do you have an EIA Account","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"Complete Insurance Repository Application form if Yes.","type":"checkbox","label":"If Yes, please fill up Insurance Repository Application form","options":[],"required":false,"pdf_field":""},{"help":"Provide EIA number if available.","type":"text","label":"If Yes, please quote EIA Number","options":[],"required":false,"pdf_field":""},{"help":"Select if you want an EIA account created.","type":"yes-no","label":"If No, do you want Us to create an EIA account for you","options":["Yes","No"],"required":false,"pdf_field":""},{"help":"Enter email registered with Insurance Repository.","type":"email","label":"Email id (Registered with Insurance Repository)","options":[],"required":true,"pdf_field":""},{"help":"Note about address override.","type":"text","label":"Your address details as mentioned in the EIA account shall override the address provided in this application for Insurance.","options":[],"required":false,"pdf_field":""}],"filled_by":"proposer"},{"title":"Bank Details and Payment Details","fields":[{"help":"Enter cheque or demand draft number.","type":"text","label":"Cheque / D.D #","options":[],"required":false,"pdf_field":""},{"help":"Enter name of payee.","type":"text","label":"Drawn To","options":[],"required":false,"pdf_field":""},{"help":"Enter bank and branch name.","type":"text","label":"Bank and Branch Name","options":[],"required":false,"pdf_field":""},{"help":"Enter transaction reference number for card payment.","type":"text","label":"For Credit / Debit Card Transaction Reference No.","options":[],"required":false,"pdf_field":""},{"help":"Enter IFSC or MICR code of bank branch.","type":"text","label":"IFSC/MICR Code","options":[],"required":false,"pdf_field":""},{"help":"Enter amount drawn on cheque/DD.","type":"amount","label":"Drawn Amount","options":[],"required":false,"pdf_field":""},{"help":"Enter date of transaction (DD MM YYYY).","type":"date","label":"Transaction Date","options":[],"required":false,"pdf_field":""},{"help":"Tick if cancelled cheque is submitted.","type":"checkbox","label":"Details as per premium cheque to be used for electronic fund transfer; Cancelled cheque submitted of other bank","options":[],"required":false,"pdf_field":""},{"help":"Enter bank account number.","type":"text","label":"Account Number","options":[],"required":false,"pdf_field":""},{"help":"Enter bank name.","type":"text","label":"Bank Name","options":[],"required":false,"pdf_field":""},{"help":"Enter name of account holder.","type":"text","label":"Account Holder name","options":[],"required":false,"pdf_field":""}],"filled_by":"proposer"},{"title":"Declarations and Signatures","fields":[{"help":"Sign or affix thumb impression here.","type":"signature","label":"Signature / Thumb impression of Proposer*","options":[],"required":true,"pdf_field":""},{"help":"Intermediary or sales person signs here.","type":"signature","label":"Signature of Intermediary / Sales person*","options":[],"required":true,"pdf_field":""},{"help":"Enter place of signing.","type":"text","label":"Place*","options":[],"required":true,"pdf_field":""},{"help":"Enter date of signing (DD MM YYYY).","type":"date","label":"Date*","options":[],"required":true,"pdf_field":""},{"help":"Authorized representative signs here.","type":"signature","label":"Signature of Authorised Representative*","options":[],"required":true,"pdf_field":""},{"help":"Sign if proposer is person with disability.","type":"signature","label":"Declaration in case the proposer/policyholder is person with disability (PWD) - Signature of Applicant*","options":[],"required":false,"pdf_field":""},{"help":"Enter place of signing for PWD declaration.","type":"text","label":"Place*","options":[],"required":false,"pdf_field":""},{"help":"Enter date of signing for PWD declaration (DD MM YYYY).","type":"date","label":"Date*","options":[],"required":false,"pdf_field":""},{"help":"Insurance advisor or agent signs and stamps here.","type":"signature","label":"Signature & Stamp as applicable of the Insurance Advisor / Specified person of Corporate Agent/Authorised Employee of Broker/ Sales person*","options":[],"required":true,"pdf_field":""}],"filled_by":"proposer and intermediary"}],"deadlines":[],"applies_to":"Employment Practices Liability Insurance policies","attachments":["Complete list of all subsidiary companies including country of registration and percentage owned by the Parent Company","Full details of all wrongful termination, discrimination and sexual harassment claims made against the Company or any of its subsidiaries or any of their directors, officers or employees during the last five years including amounts of any judgments or settlements and costs of defence","Full details of all inquiries, investigations, grievance filings or other administrative hearings previously filed with or currently before any local or governmental agency governing employer responsibility to employees involving the Company and/or any of its subsidiaries","Full details of any discrimination and sexual harassment claims made against the Company or any of its directors, officers or employees by any customer or client during the last five years including amounts of any judgments or settlements and costs of defence","Employee handbook if available","Details of any employee layoffs or early retirement contemplated or ongoing"],"declarations":["The statements made in this Proposal Form are complete and true to the best of the proposer's knowledge and belief.","The proposal forms the basis and is part of any policy issued in connection with the risk.","Zurich Kotak General Insurance Company will deal with the information in strict confidence.","The proposer consents to verification of identity/address proof through official registries for KYC purposes.","All premiums have been or will be paid from bonafide sources and not from proceeds of crime.","The insurance company has the right to cancel the contract if found guilty under money laundering statutes.","The proposer declares whether they or close relatives are politically exposed persons (PEP).","The proposer declares if they are a Non-Profit Organization as defined under Indian law.","The intermediary declares that the policy features and terms have been fully explained to the proposer.","The proposer with disability authorizes a representative to assist in completing the proposal form."],"dropped_labels":5},"pdf_fields":null,"fillable_pdf":false,"send_to":[{"purpose":"customer-care","channel":"email","value":"care@zurichkotak.com","label":"Email Address","level":null,"hours":null,"applies_to":"all","source_url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","quote":"in\nToll Number (INDIA And Overseas)\n+91-22-69417220\nToll Free Number\n1800 2120\nWhatsApp Number\n7998879988\nEmail Address\ncare@zurichkotak.com\nOur WhatsApp number cannot be used for calls. This is chat only number.\nAccessibility\nZoom in page\nZoom out page\nIncrea","fetched_at":"2026-10-20"},{"purpose":"customer-care","channel":"phone","value":"1800 2120","label":"Toll Free Number","level":null,"hours":null,"applies_to":"all","source_url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","quote":"age claims\nCustomer support\nGrievance redressal\nLogin\nToll Number (INDIA And Overseas)\n+91-22-69417220\nToll Free Number\n1800 2120\nWhatsApp Number\n7998879988\nEmail Address\ncare@zurichkotak.com\nOur WhatsApp number cannot be used for calls. This is cha","fetched_at":"2026-10-20"},{"purpose":"customer-care","channel":"phone","value":"+91-22-69417220","label":"Toll Number (INDIA And Overseas)","level":null,"hours":"IST 8 am to 8 pm","applies_to":"all","source_url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","quote":"Download policy\nManage policy\nManage claims\nCustomer support\nGrievance redressal\nLogin\nToll Number (INDIA And Overseas)\n+91-22-69417220\nToll Free Number\n1800 2120\nWhatsApp Number\n7998879988\nEmail Address\ncare@zurichkotak.com\nOur WhatsApp number cannot be","fetched_at":"2026-10-20"},{"purpose":"customer-care","channel":"whatsapp","value":"7998879988","label":"WhatsApp Number","level":null,"hours":null,"applies_to":"all","source_url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","quote":"t\nGrievance redressal\nLogin\nToll Number (INDIA And Overseas)\n+91-22-69417220\nToll Free Number\n1800 2120\nWhatsApp Number\n7998879988\nEmail Address\ncare@zurichkotak.com\nOur WhatsApp number cannot be used for calls. This is chat only number.\nAccessibilit","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"email","value":"grievanceofficer@zurichkotak.com","label":"Grievance Officer","level":1,"hours":null,"applies_to":"all","source_url":"https://cms.zurichkotak.com/uploads/Policy_Wordings_CPI_dc7b416cf1.pdf","quote":"om .\nIn case the I nsured is not satisfied with the response, I nsured may contact the Grievance Officer of the ZKGI at grievanceofficer@zurichkotak.com . In case if the I nsured is not satisfied with the solution the\nGrievance Officer has provided, | I nsured | can write","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"Unit no. 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway, Goregaon (East) Mumbai- 400063. Maharashtra, India.","label":"Registered & Corporate Office","level":null,"hours":null,"applies_to":"all","source_url":"https://www.zurichkotak.com/","quote":"ker\nHealth portability\nResearch & Reports\nCorrespondence Address\nZurich Kotak General Insurance Company (India) Limited\nUnit no. 401, 4th Floor, Silver Metropolis,\nJai Coach Compound, Off Western Express Highway,\nGoregaon (East) Mumbai- 400063. Maharashtra, India.\nConnect with us\n: 022 - 69417220 (Toll number)\n: 1800 2120 (Toll free)\n+91-22-69417220 (IST 8 am to 8 pm)\nwww.zurichkot","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"email","value":"care@zurichkotak.com","label":"Customer Care Email","level":null,"hours":null,"applies_to":"all","source_url":"https://cms.zurichkotak.com/uploads/Policy_Wordings_CPI_dc7b416cf1.pdf","quote":"may contact the respective branch office of the ZKGI or may call toll free number 1800 2120 or may write an e - mail at care@zurichkotak.com .\nIn case the I nsured is not satisfied with the response, I nsured may contact the Grievance Officer of the ZKGI at gr","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"url","value":"www.zurichkotak.com","label":"Grievance Redressal Process","level":null,"hours":null,"applies_to":"all","source_url":"https://cms.zurichkotak.com/uploads/Policy_Wordings_CPI_dc7b416cf1.pdf","quote":"nder.\nThe details of the Insurance Ombudsman/ complete Grievance Redressal Process is also available at ZKGI’s website: www.zurichkotak.com\nThe updated details of Insurance Ombudsman offices are also available on the website of | Council for\nInsurance Ombudsm","fetched_at":"2026-10-20"}],"how_to_use":"Ask the user for each field in order, in plain words; never invent an answer. Labels are as printed. If fillable_pdf is true, pdf_fields gives the PDF's own field names so the file can be filled directly. The printed form decides if anything differs.","url":"https://indiainsurances.com/forms/zurich-kotak-general-insurance/5600-employment-practices-liability-insurance-policy-proposal-form"}