Business insurance · Pan India — See your risks from every angle.
Risk review, market placement and claims advocacy for manufacturers, traders and service firms across India.
IRDAI Direct Broker Licence No. IRDAI/DB/1258/2025
Industries
Specialist cover for the industries we know.
Textiles & millsFire, stock, machinery
Engineering & pumpsProduct liability, transit
Hospitals & clinicsMalpractice, equipment
ConstructionCAR, WC, liability
Logistics & portsMarine, goods in transit
IT & servicesCyber, PI, benefits
AutomotiveDealer stock, showroom
Warehousing & retailBurglary, fire, money
Solutions
Eight lines of cover.
Every policy placed after a risk review — so you buy the cover you need, not the one that's easiest to sell.
- 01Fire & propertyStandard fire & special perils, business interruption, burglaryGet a quote
- 02Marine cargoInland, import and export transit — single or open policiesGet a quote
- 03EngineeringContractor all-risk, erection all-risk, machinery breakdownGet a quote
- 04LiabilityPublic, product, D&O and professional indemnityGet a quote
- 05Cyber riskData breach, ransomware and business interruptionGet a quote
- 06Workmen compensationStatutory employee injury coverGet a quote
- 07Trade credit & suretyProtect receivables and support contract bondsGet a quote
- 08SME packageProperty, money and liability bundled for small firmsGet a quote
Lines of cover
What each business policy does.
Most firms need three or four of these. A risk review tells us which, and how much cover each one needs.
Fire and property
- Buildings, plant, machinery and stock against fire, flood, earthquake and riot. Since 2021 the product depends on the value at risk: Bharat Sookshma (up to ₹5 crore), Bharat Laghu (up to ₹50 crore) or a Standard Fire policy above that. Mills, see textile mill insurance.
Business interruption
- Lost gross profit and the extra cost of working while you rebuild after insured damage, so fixed costs and wages don't sink the business.
Marine cargo
- Goods in transit by road, rail, sea or air, for imports, exports and inland dispatches. An open or annual policy covers every shipment automatically.
Engineering (CAR, EAR, machinery breakdown)
- Contractor's all-risk and erection all-risk cover projects from groundwork to handover; machinery breakdown covers sudden failure of plant in operation.
Public and product liability
- Your legal liability for injury or property damage to others, at your premises or caused by products you make or sell. Exporters to the US and Europe usually need it.
Professional indemnity and D&O
- Professional indemnity covers claims for errors in your advice or services; directors' and officers' liability protects the personal assets of directors against management claims.
Cyber insurance
- Costs after a data breach or ransomware attack: forensic investigation, data restoration, legal costs, business interruption and third-party claims.
Employees' compensation
- Your liability under the Employees' Compensation Act for injury or death of workers in the course of employment, plus medical expenses if you add them.
TEXTILESExample claim · Textiles
A fire in a spinning mill’s warehouse. Here’s how we’d stand with you.
- 01Same dayClaim loggedWe notify the insurer and start the file while the site is made safe.
- 02On siteSurvey & documentsWe meet the surveyor with you and prepare stock registers, photos and estimates.
- 03SettlementEvery rupee checkedWe review the offer line by line and escalate any short payment.
Illustrative example of our claims process, not a specific client.
How our claims desk worksHow we work
How we work with your business
- 01Risk reviewWe visit your site, study operations and map exposures.
- 02Market placementWe negotiate terms with multiple insurers and compare.
- 03Policy servicingEndorsements, renewals and compliance — tracked for you.
- 04Claims advocacyWe represent you with surveyors and insurers until settlement.
Free risk review
Talk to a commercial insurance specialist.
We’ll map your risks and benchmark your current premiums — free.
