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* IN THE HIGH COURT OF DELHI AT NEW DELHI Reserved on: 10 March 2026 Pronounced on: 16 March 2026 + FAO(OS) (COMM) 286/2022 SUPERMINT EXPORTS PVT LTD .....Appellant Through: Mr. Sudhir Nandrajog, Sr. Adv. with Mr. Bhaskar Tiwari, Mr. Ramakant Shukla and Ms. Priscilla Kom, Advs.

versus NEW INDIA ASSURANCE CO LTD. & ORS. .....Respondents Through: Mr. Saurav Agrawal, Mr. Rajat Dasgupta, Ms. Sidhika Dwivedi, Ms. Anadi Mishra, Ms. Raadhika Chawla and Mr.

Tushar Nair, Advs.

CORAM:

HON'BLE MR. JUSTICE C. HARI SHANKAR HON'BLE MR. JUSTICE OM PRAKASH SHUKLA

JUDGMENT

% 16.03.2026 C. HARI SHANKAR, J.

A. Facts

1. The appellant manufactures and deals in mint and pine based essential oil. It was the beneficiary of an Insurance policy issued by the respondent New India Assurance Company Ltd., which has been impleaded at three addresses. The policy insured the appellant for a total sum of ₹ 32,25,00,000/- and covered fire and risks involving the building, plants and machinery, stocks, furniture and fixtures and fittings of the appellant. The policy was to remain in force from 20 August 2012 to 19 August 2013.

2. On 13 February 2013, a fire broke out in the appellant’s premises, resulting in loss of the