Overview

• The all-risk package with New India Assurance covers jewellery, personal accidents, public liability, fire and earthquake risks, and the venue premises.
• Personal-accident cover of Rs 375 crore extends to volunteers, priests, cooks, attendants, footwear stall workers, valets and security staff.
• The policy earmarks Rs 67.03 crore for the deity’s gold and silver ornaments and Rs 30 crore for public liability across pandals, stadiums and devotees.
• Organisers have expanded safeguards with 875 security personnel in three shifts, more than 100 CCTV cameras, AI facial recognition, metal-detector gates and a dedicated crowd-management agency.
• Other Mumbai mandals report far smaller policies, including Azad Nagar’s Andhericha Raja at Rs 12 crore and Mumbaicha Raja at Rs 8.5 crore, while many smaller pandals continue without additional insurance.