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Business insurance

One policy for the business you run.

Compare SME and office package policies from our partner insurers. An advisor helps you choose the sections your business needs.

What do you want to cover?
+91
SME packageSeveral covers for a small business in one policy.
  • Free to compare
  • No obligation to buy
  • We only call about your quote
Help from a real person
  • IRDAI Licence No. 1135Direct Broker (Life & General)
  • [X]+ partner insurersCompare plans side by side
  • Claim help from a real personWe follow up with the insurer and surveyor
  • Talk to an advisorCall +91 84700 67555
The basics

What is business insurance?

A business package policy bundles several covers, such as fire, burglary, money, equipment and liability, into one policy with one renewal date.

You choose the sections that fit, so a shop, a clinic and an office can each get the cover they need.

Find the right plan

Types of business packages

Pick one to get quotes
Know your cover

What's covered, and what isn't

Cover varies by plan. Always check the policy wording before you buy.

Usually covered

For the sections you choose, subject to terms
  • Fire & allied perilsBuilding, stock and contents
  • BurglaryTheft after forced entry
  • MoneyIn the safe and in transit
  • Electronic equipmentAccidental damage and breakdown
  • Glass & signboardsAccidental breakage
  • Public liabilityInjury or damage to visitors

Usually not covered

Common exclusions across most plans
  • Wear and tearGradual deterioration
  • Unexplained lossesShortages without signs of theft
  • Employee dishonestyUnless fidelity cover is added
  • War & nuclear risksStandard exclusions
  • Cyber incidentsUnless a cyber section is added
  • Sections not boughtOnly chosen sections apply
How to buy

Get covered in four steps

Start my quote
  1. 1Tell us what to coverTell us your business type, location and what you want to insure.
  2. 2Get quotesAn advisor collects the underwriting details and asks our partner insurers to quote.
  3. 3Share details & KYCAdd the details the insurer needs and complete KYC with your PAN.
  4. 4Get your policyYour advisor helps you finish, and the policy reaches your email.

How to make a claim

We help with every claim, from the first call to settlement.

Claims help +91 84700 67555
After a loss

Business claim

A surveyor assesses the loss before settlement
  1. 1Tell the insurer, or us, as soon as possible; inform the police for theft
  2. 2Take steps to stop further loss and keep damaged items
  3. 3Share bills, stock records and photos with the surveyor
  4. 4The insurer settles the assessed amount as per the policy
Good to know

Pick only the sections you need

Package policies let you add or remove sections. Start with the risks that would hurt your business most, and review them each year.

An advisor can help you choose sections and sums insured.

Our general insurance partners

See all partners
  • ICICI Lombard
  • HDFC ERGO
  • Bajaj Allianz
  • Tata AIG
  • Digit
  • Zuno
  • IFFCO-Tokio
  • Chola MS
  • Royal Sundaram
  • Future Generali

Products and availability vary by insurer.

Business insurance FAQs

What is an SME package policy?

A single policy for small and medium businesses that combines covers such as fire, burglary, money, equipment and liability.

Why choose a package instead of separate policies?

One policy with one renewal date is simpler to manage. Premiums depend on the sections and sums insured you choose.

Does it cover my stock?

Yes, stock can usually be insured under the fire and burglary sections for its declared value.

Can I cover my employees too?

Some packages offer sections for employees; otherwise group health or employees' compensation is arranged as a separate policy.

Related insurance

Not sure which plan fits?Talk to an advisor: +91 84700 67555