Protect the Business You Worked So Hard to Build
A fire, a theft, a lawsuit or an employee injury can stop a small business overnight. We help shops, offices, clinics and factories put together the right covers, at the right price.
Why business owners call us
- One advisor for all business policies and renewal dates
- Correct sum insured, so claims aren't cut for under-insurance
- Help with surveys, documents and claims when it matters
Insurance Built Around Your Kind of Business
Shops & Showrooms
Stock, fixtures, cash and glass against fire, burglary and floods, plus liability for customers visiting your shop.
Offices & Professionals
Office contents, electronic equipment, professional indemnity and group health for your team.
Clinics & Hospitals
Medical equipment breakdown, property cover and medical malpractice / professional indemnity.
Factories & Workshops
Building, plant, machinery and stock, machinery breakdown, workmen's compensation and transit cover.
Traders & Warehouses
Stock in godowns, goods in transit and floating stock across multiple locations.
Restaurants & Hotels
Property, kitchen equipment, public liability and food-related liability for guests.
Policies Every Business Should Know About
Most businesses need a combination of property, people and liability covers. We help you pick only what fits.
Shop / Office Package
One policy for the common risks of a small shop or office.
- Fire, flood, burglary for contents & stock
- Cash, glass and electronic equipment
- Public liability options
Fire & Property (Bharat Sookshma / Laghu Udyam)
Standard fire policies for building, plant, machinery and stock of MSMEs.
- Fire, lightning, explosion, riots
- Flood, storm, earthquake (plan-wise)
- Stock and stock-in-process
Group Health & Group PA
Health and accident cover for employees, a strong tool to attract and retain staff.
- Cashless hospitalisation for staff
- Family cover options
- Accidental death & disability benefits
Workmen's Compensation
Covers your legal liability under the Employees' Compensation Act for injury or death of workers on duty.
- Factories, sites and workshops
- Medical expenses option
- Contractor's workers cover
Marine / Goods in Transit
Protects goods while they move by road, rail, sea or air, for single shipments or a full year.
- Single transit & open policies
- Import, export & inland
- Damage, theft & accident
Public & Product Liability
Covers legal liability if customers or the public are injured or their property is damaged because of your business or products.
- Visitors on your premises
- Products you make or sell
- Legal defence costs
Machinery & Equipment
Machinery breakdown and electronic equipment insurance for sudden mechanical or electrical failure.
- Plant & machinery breakdown
- Computers, servers, medical devices
- Repair or replacement cost
Cyber Insurance
For businesses that store customer data or take digital payments.
- Data breach & ransomware response
- Online fraud & phishing losses (plan-wise)
- Third-party privacy claims
Professional Indemnity & D&O
For doctors, CAs, architects, consultants and company directors facing claims of negligence or wrongful acts.
- Errors & omissions claims
- Directors' personal liability
- Legal defence costs
Which Policies Does Your Business Need?
Answer a few quick questions to see a starting list of covers for your business.
This is a general starting list, not a recommendation. Actual needs depend on your contracts, location, lenders' requirements and legal obligations. We review these with you before suggesting policies.
8 Things Business Owners Should Check
- Correct sum insuredInsure buildings, machinery and stock at their full value; under-insurance cuts claims proportionately.
- Peak stock levelsIf stock rises during festivals or seasons, use declaration or floater options.
- All locations listedEvery shop, godown and factory address must be in the policy schedule.
- Bank clauseIf assets are hypothecated to a bank, its interest must be noted correctly in the policy.
- Add-on perilsCheck that earthquake, terrorism or burglary are covered if your business needs them.
- Employee numbers & wagesDeclare accurate headcount and wages for WC and group policies.
- Track renewal datesA lapse of even a few days can leave your business exposed. We send reminders.
- Keep books & recordsStock registers, invoices and purchase bills are essential to prove a claim.
Business Claims, Handled With You
Inform & Protect
Notify the insurer quickly, file an FIR where needed, and take steps to prevent further loss.
Surveyor Visit
The insurer's surveyor inspects the loss. Keep damaged goods and the site as they are until inspected.
Submit Records
Stock registers, purchase bills, balance sheets and repair estimates. We help you compile them.
Settlement
The insurer settles the assessed loss as per policy terms. We follow up until it's done.
Had a loss at your business?
Message us with what happened, and we'll guide you on the first steps before the surveyor visits.
Get a Business Insurance Review
Share a few details about your business and we'll suggest the right mix of property, liability and employee covers, with quotes from multiple insurers.
- Side-by-side comparison from multiple insurers
- Help with proposal form, documents & inspections
- Renewal reminders and claim assistance
Business Insurance Questions, Answered
I have a small shop. Do I really need insurance?
Yes. A small shop often has most of the owner's capital tied up in stock and fittings. A shopkeeper's package policy is affordable and protects against fire, burglary and floods, which can otherwise close a business permanently.
My bank already insured my stock. Is that enough?
Bank-arranged policies often cover only the hypothecated value and may miss perils, locations or stock above the loan amount. We can review the policy to check whether it protects your full business value.
Is Workmen's Compensation insurance compulsory?
Employers are legally liable to compensate workers for injuries at work under the Employees' Compensation Act. Insurance is the practical way to meet this liability, and many contracts and principal employers require it.
Can I cover employees' health under my business?
Yes. Group health policies can be bought for businesses with even a small number of employees (minimum group size depends on the insurer), and usually come without the waiting periods of individual policies.
What is under-insurance and why does it matter?
If your property is insured for less than its actual value, the insurer may apply the "average clause" and pay only a proportion of the loss. For example, insuring stock worth ₹20 lakh for ₹10 lakh could mean only half of a claim is paid.
Do I need cyber insurance for a small business?
If you store customer data, use online banking heavily or accept digital payments, cyber risks are real even for small businesses. Cyber policies help with incident response, data recovery and certain fraud losses, subject to policy terms.
Disclaimer: Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read the sales brochure / policy wording carefully before concluding a sale.
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Calculators and information on this page are for general guidance only and do not constitute financial, tax or legal advice. Premiums, features and eligibility vary by insurer and are subject to underwriting.