Protect What Your Business Has Built.

The building, stock and machinery of factories, shops, offices and warehouses, against fire and other named risks such as lightning, explosion, storm, flood, earthquake, riot and malicious damage. Standard policies (Bharat Sookshma for up to ₹5 crore at a location) make comparing simpler. We helped one client settle ₹67 lakh after their factory burned down.

The claim is cut in the same proportion. If stock worth ₹1 crore is insured for ₹50 lakh, a ₹10 lakh loss pays about ₹5 lakh. Some standard policies forgive a small shortfall, but the safe answer is to insure at the right value and review it every year.

As an employer you're liable for compensation if an employee is injured or killed at work, whether or not you're insured. A workmen's compensation policy pays that liability for you. Employees covered by ESI are handled under that scheme instead.

Jewellers' block, liability, corporate travel and motor fleets, among others. Tell us about your business and we'll suggest what fits.

A single-transit policy covers one shipment; an open policy covers all your shipments over a year, by declaration. ICC (A) is the widest, covering all risks except those excluded; (B) and (C) cover named risks only, with (C) the narrowest.

Call us, and tell the insurer as soon as you can: most policies set a time limit. Keep every bill, report and photo. Don't repair damage or throw away damaged goods until the surveyor has seen them, unless you're told you can. For theft, or a road accident with injury, file a police report.

Tell us what happened, even if you didn't buy the policy through us, and we'll tell you honestly whether it's worth pursuing. The formal route: complain to the insurer's grievance officer, who must resolve it within 14 days. If that fails, go to IRDAI's Bima Bharosa portal or the Insurance Ombudsman, which is free, must be approached within a year and handles claims up to ₹50 lakh. The Ombudsman is open to individuals, sole proprietors and micro enterprises, not to partnerships or companies.

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