MSME Insurance Audited for Business Continuity
Protect your shop, factory, stock, machinery, and employee liabilities against catastrophic business interruptions. Our commercial audit team reviews policy deductibles, under-insurance clauses, and average condition rules before you commit capital.
Shops & Retail
Inventory, cash, and fire protection under one cover.
Factory & Fire
Bharat Sookshma & Laghu Udyam IRDAI filings.
Labor Liabilities
Statutory Workmen's Compensation compliance.
Request Commercial Insurance Audit
Tailored quotes for Indian business establishments
Business Insurance Coverage Portfolio
Structured strictly under IRDAI commercial guidelines with expert clause scrutiny.
Shop & Establishment Insurance
Single package policy protecting retail storefronts, offices, inventory, and fixtures against fire, water leakage, burglary, and plate-glass damage.
- Stock & inventory valuation cover
- Cash in counter & transit cover
- Signboard & plate glass protection
Fire & Special Perils (Bharat Sookshma)
Mandatory IRDAI standard fire cover for micro and small enterprises covering factory buildings, warehouses, plant & machinery, and raw material.
- Covers storm, tempest, flood & inundation (STFI)
- Earthquake & explosion risks
- Business interruption loss add-on
Commercial Property Insurance
Full reinstatement value coverage for commercial complexes, manufacturing units, industrial sheds, and multi-tenant warehouses.
- Reinstatement value clause audit
- Debris removal & architect fee coverage
- Third-party neighboring property damage
Burglary & Housebreaking Policy
Protects high-value raw materials, finished stock, and electronic equipment against forcible entry, theft, and warehouse hold-ups.
- First loss percentage cover options
- Covers damage to safe & premises during break-in
- Audited security compliance clauses
Public & Product Liability
Legal defense costs and court damages arising from third-party bodily injury, property damage on premises, or manufactured product claims.
- Any One Accident (AOA) to Any One Year (AOY) ratios
- Premises liability for visitors & clients
- Contractual vendor agreement compliance
Workmen's Compensation & Group Cover
Statutory Employer's Liability under Employee's Compensation Act covering factory workers, drivers, warehouse staff, and field team accidents.
- Statutory death & permanent disability compensation
- Medical expense reimbursement riders
- Protection against labor court disputes
Custom Business Package Policy
Tailored multi-peril policy combining asset, liability, transit, and employee protection under one single master contract with unified premium.
- Tailored for manufacturing & export units
- Marine sales transit coverage extension
- Dedicated business claim audit assistance