SUPERMINT EXPORTS PVT LTD vs NEW INDIA ASSURANCE CO LTD. & ORS.

$~ * 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 2013. 2. On 13 February 2013, a fire broke out in the appellant’s premises, resulting in loss of the building, plant and machinery and stocks. 3. The appellant lodged a claim with the respondent for ₹ 27,08,30,874.13. 4. The respondent appointed a spot s