Insurance that keeps your business running
From a single shop to a growing company, one fire, theft or lawsuit can set a business back by years. We assess your risks and put together the right mix of property, liability and employee covers from leading insurers.
- Cover for shops, offices, factories and warehouses
- Employee benefits like group health and group term
- Risk assessment and claim support from our team
Get a Free Business Insurance Quote
Share your details and an advisor will call you back with options from 35+ insurers.
What Business Insurance covers
Common benefits across plans. Exact cover, limits and exclusions vary by insurer and policy.
Property & stock
Buildings, machinery, furniture and stock against fire, natural calamities and allied perils.
Burglary & theft
Loss of stock, cash and equipment due to break-ins.
Business interruption
Lost profits and fixed costs while your business recovers from an insured event.
Public & product liability
Claims by customers or the public for injury or property damage caused by your business or products.
Goods in transit
Marine and transit cover for goods moving by road, rail, sea or air.
Employee protection
Group health, group personal accident and workmen’s compensation for your team.
Types of Business Insurance
Shop insurance
A package policy for retailers covering the shop, stock, cash and liability.
Fire & allied perils
Including the standard Bharat Sookshma and Bharat Laghu Udyam Suraksha policies for small businesses.
Group health insurance
Health cover for employees and their families as part of your benefits package.
Marine cargo insurance
Protection for goods during transport within India and for imports and exports.
Liability insurance
Public liability, professional indemnity and directors & officers (D&O) cover.
Cyber insurance
Cover for data breaches, ransomware and other cyber incidents.
How to choose the right Business Insurance
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Insure at full value
Under-insurance means claims are reduced proportionately. Review sums insured for stock and assets every year.
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Think beyond property
Liability claims and lost income can hurt more than physical damage. Consider business interruption and liability cover.
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Take care of your team
Group health insurance helps attract and keep good employees, often at better rates than individual policies.
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Check contract requirements
Many clients, landlords and lenders require specific insurance. Make sure your covers meet them.
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Keep records
Maintain stock registers, invoices and asset lists — they are essential for smooth claims.
Buy Business Insurance through a broker you can trust
Unbiased Comparison
We compare plans from 35+ insurers and recommend what fits you, not what pays us most.
Right Cover, Not Just Cheapest
We look at coverage, exclusions and claim experience, not just the premium.
Claim Support
We stay with you through the claim process, from filing to settlement.
IRDAI Registered Broker
Direct Insurance Broker (Life & General), IRDAI Registration No. 1190.
Business Insurance FAQs
What insurance does a small business in India need?
Most small businesses start with a fire and burglary or shop package policy for their premises and stock. Depending on the business, you may also need liability cover, transit insurance and group health for employees.
What are Bharat Sookshma and Bharat Laghu Udyam Suraksha?
They are standard fire and allied perils policies defined by IRDAI for small businesses, based on the value of assets at a location. They cover property against fire, natural calamities and other listed perils.
Is group health insurance worth it for a small team?
Yes. Group health cover is available for small teams, usually covers pre-existing conditions from day one, and is a valued employee benefit. Premiums paid by the employer are generally treated as a business expense.
Is workmen’s compensation insurance mandatory?
Employers are legally liable to compensate workers for work-related injuries under the Employees’ Compensation Act. Workmen’s compensation insurance covers this liability and is often required by clients and contractors.
Can you review my existing business policies?
Yes. Share your current policies and our team will check for gaps, under-insurance and better options at renewal.
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations and terms and conditions, please read the sales brochure and policy wording carefully before concluding a sale. Tax benefits are subject to changes in tax laws.
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