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Rishabh Jain

Finance & Insurance Specialist, MBA at Desi Machines
9 articles Writing for Desi Machines since 2026
Rishabh Jain holds an MBA with a specialisation in finance and insurance. He writes on construction-equipment insurance, risk and claims for DesiMachines: which policy to buy, what drives your premium, and how to get a claim paid, translating policy fine print into practical guidance for owners and contractors.

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Latest from Rishabh

Blog Contractors All Risk Insurance: What It Covers, and What It Does Not

Contractors All Risk Insurance: What It Covers, and What It Does Not

A tender asks for CAR cover and most owners assume it insures their machines. It insures the works.…

Blog Insurance for Rented Equipment: Whose Policy Actually Pays

Insurance for Rented Equipment: Whose Policy Actually Pays

When your machine works on someone else's site, the cover that responds is usually your own. What a…

Blog Machinery Breakdown Insurance: What a CPM Policy Does Not Pay

Machinery Breakdown Insurance: What a CPM Policy Does Not Pay

Your CPM policy excludes the thing owners most expect it to cover. What machinery breakdown insurance does instead,…

Blog Surety Bond vs Bank Guarantee for Tender Security

Surety Bond vs Bank Guarantee for Tender Security

An insurer can now issue the security a tender asks for. What a surety bond is under the…

Blog Equipment Insurance Claim Rejected: What To Do Next

Equipment Insurance Claim Rejected: What To Do Next

A repudiation letter is not the end of the claim. There is a written escalation route with statutory…

Blog Transit Insurance for Construction Equipment: What It Actually Covers

Transit Insurance for Construction Equipment: What It Actually Covers

Your transporter's liability for your machine is capped by law, not by what the machine is worth. Here…

Blog When Your Machine Injures Someone: The Liability Cover Owners Forget

When Your Machine Injures Someone: The Liability Cover Owners Forget

Most owners insure the machine and stop there. If your excavator drops a load on a passer-by or…

Blog What Decides Your Machine’s Insurance Premium — and How to Lower It

What Decides Your Machine’s Insurance Premium — and How to Lower It

Two owners with the same excavator can pay very different premiums. Here is exactly what the insurer is…

Blog Construction Equipment Insurance: Cover You Need, Premiums and Claims

Construction Equipment Insurance: Cover You Need, Premiums and Claims

An owner's guide to construction equipment insurance in India: which policy actually protects your machine, what drives the…

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