Business Insurance for Growing Teams
Property, liability, cyber and employee benefits for shops, offices, clinics, factories and startups.
Top Business Insurance Plans
Compare popular plans from our partner insurers.
| Insurer & plan | Cover | Premium* | Claim ratio | Highlight | |
|---|---|---|---|---|---|
| KGKavach Bharat Sookshma UdyamKavach General | Up to ₹5 Cr | ₹9,800 | 95.9% | Fire & property | Buy |
| PGPrithvi Group MediclaimPrithvi General | ₹3 L per employee | ₹4,100/emp | 96.3% | Day-1 maternity | Buy |
| SASetu Cyber Shield SMESetu Assurance | ₹50 lakh | ₹18,500 | 94.8% | Ransomware cover | Buy |
| KGKavach Shopkeeper PackageKavach General | ₹25 lakh | ₹3,650 | 95.9% | Stock + burglary | Buy |
*Indicative annual premium for a typical Chennai SME, incl. GST. Insurer names are illustrative partners.
Illustrative estimate. The final premium is set by the insurer after underwriting.
Cover at a Glance
Typical inclusions and exclusions — always check the policy wording.
What’s covered
- Fire and allied perils
- Burglary and theft of stock
- Public & product liability
- Cyber attack and data breach
- Group health for employees
- Workmen compensation
- Machinery breakdown
- Business interruption
What’s not covered
- Losses from wilful negligence
- Contractual liabilities
- Fines and penalties
- Gradual pollution
- Unlicensed activities
- War and nuclear risks
Questions before you buy
Still unsure which plan fits? Our advisors compare options for you, free of charge.
Talk to an AdvisorWhich policy does a small shop need?
A shopkeeper package bundles fire, burglary, money-in-transit and liability cover in one policy and is the simplest place to start.
What is the minimum size for group health?
Group health can be issued for as few as 7 employees, with family members added as dependants.
Does cyber insurance cover ransomware?
Yes, most SME cyber plans cover ransom negotiation, data restoration, legal costs and business interruption.