Protect

Coverage for fire, theft, and disruption to protect your shop, office, and inventory.

Features & Benefits:

• Fire, flood, and accidental damage protection
• Fixtures, electronics, and stock coverage
• Loss of income compensation
• Affordable for SMEs and retail shops

Scenario:

A local store suffers an electrical fire damaging inventory. Insurance covers repair and business interruption losses.

Data:

• 40% of shop owners face at least one disruption claim in 5 years.
• Average insured recovery time is 2.5x faster.

Protection against third-party claims, lawsuits, and legal liabilities affecting your business.

Features & Benefits:

• Public and product liability coverage
• Professional indemnity for errors or omissions
• Legal expense reimbursement
• Custom plans for consultants and SMEs

Scenario:

A customer files a slip-and-fall lawsuit in a retail outlet. The policy covers legal defense and settlement costs.

Data:

• Liability claims cost Indian SMEs ₹1,200+ crore annually.
• 60% of business owners cite liability as their top uninsured risk.

Protect your infrastructure and inventory from fire, explosion, or lightning-induced damage.

Features & Benefits:

• Building and equipment coverage
• Fire, lightning, and explosion incidents
• Fast claims and reinstatement process
• Coverage for multi-location properties

Scenario:

A fire from a short circuit damages a small factory. The policy funds both structure and machine repairs.

Data:

• Fire is among the top 3 causes of insured business losses.
• Fire coverage reduces average downtime by 35%.

Ensure your income and lifestyle are protected in case of injury or serious illness.

Features & Benefits:

• Income replacement during recovery
• Accidental and critical illness riders
• Short-term and long-term options
• Coverage for salaried and self-employed individuals

Scenario:

A freelancer suffers a car accident injury. Disability insurance replaces lost earnings for 4 months.

Data:

• 1 in 4 professionals experience temporary disability during working years.
• Plans reduce financial disruption by up to 40%.

Secure your premises from theft, vandalism, and break-ins with round-the-clock coverage.

Features & Benefits:

• Stolen goods and asset coverage
• Cash and document protection
• Break-in damage repair costs included
• Custom policies per risk profile

Scenario:

A store experiences a night-time break-in. The policy reimburses stolen inventory and door repairs.

Data:

• Burglaries contribute ₹4,500+ crore in annual business losses.
• Businesses with cover recover 30% faster.

Protect vital machinery, tools, and business infrastructure from loss, damage, or disaster.

Features & Benefits:

• Plant, machinery, and equipment protection
• Inventory and infrastructure coverage
• Loss mitigation and risk audits
• Tailored to industry-specific assets

Scenario:

A printing press's key machinery is destroyed in a fire. The policy enables fast asset replacement and recovery.

Data:

• 25% of uninsured asset losses result in long-term business closure.
• Asset coverage reduces recovery delays by 40% on average.