Your Office is Your Command Center.
Is Your Protection as Integrated as Your Business?
Comprehensive Office Package Insurance by Ethika
Fragmented policies leave critical gaps. Unify your defense against physical, operational, and human risks with a single, intelligent shield.
30+ Covers
All-in-One Policy
Instant Estimate
Transparent Online Calculator
Dedicated Support
Expert Claims Advocacy
A Fire Lasts an Hour. The Fallout Lasts a Year.
It's the 2 AM phone call every founder dreads, triggering a chain reaction of financial and operational chaos. The true cost of a crisis isn't just the damaged asset; it's the cascading impact on revenue, reputation, and morale.
The Physical Threat
A short-circuit causes a fire. The Real Cost: Not just the ₹5 Lakhs in equipment, but the ₹50 Lakhs in lost revenue during the 3-week relocation.
The Human Threat
A trusted finance manager embezzles funds over several months. The Real Cost: Not just the ₹20 Lakhs stolen, but the expensive forensic audit required to uncover the fraud and the severe damage to team morale and internal trust.
The Natural Threat
Monsoon flooding damages the ground floor. The Real Cost: Not just the cleanup, but the irreplaceable loss of critical documents and weeks of operational paralysis.
Beyond the Premium: Calculating the ROI of Resilience.
A 3-week office shutdown from water damage could cost a 200-person tech company over ₹50 Lakhs in lost productivity and project delays. The Ethika Office Shield™, for a fraction of that cost, not only covers the physical repairs but also the critical loss of profits, directly protecting your P&L and ensuring business continuity. This isn't an expense; it's a balance sheet protection strategy.
Potential Revenue Loss (₹50L)
Ethika Office Shield™ Premium
One Policy. 360° Protection. Zero Complexity.
Stop juggling multiple policies, renewal dates, and confusing fine print. The Ethika Office Shield™ consolidates over 30 essential covers into one comprehensive, easy-to-manage policy, eliminating dangerous gaps and administrative headaches.
From Chaos to Control: Your Blueprint for a Resilient Workplace.
Broker's Insight #1: A Clause That Can Save You Millions.
Did you know our policy includes 'Omission to Insure'? If you accidentally forget to declare a new asset up to a certain value, this clause can provide coverage, protecting you from simple human error that could otherwise lead to a devastating, uncovered loss.
Broker's Insight #2: The Most Important Cover You've Never Heard Of.
Fire insurance replaces your servers, but who replaces your revenue while you're down? Fire Loss of Profits (FLOP) and Machinery Loss of Profits (MLOP) cover your lost income and fixed costs (like salaries) after an incident. For a tech company, this is the difference between a temporary disruption and a catastrophic financial event.
Are Your Assets Insured for Today's Cost, or Yesterday's Price?
The most common mistake we see is insuring assets for their depreciated book value. If your office furniture, purchased for ₹50 Lakhs five years ago, is destroyed, it could cost ₹80 Lakhs to replace today. We work with you to ensure your policy covers the true *replacement cost*, guaranteeing a claim can fund your full recovery, not just a fraction of it.
Your Office Shield™ Defends Your Assets. The Liability Suite Defends Your Future.
For complete 360° protection, pair your Office Shield™ with these essential liability covers to create a comprehensive risk management program against lawsuits, data breaches, and executive risks.
The Startup Liability Shield
For companies with turnover up to ₹50 Crore, secure ₹1 Crore cover across D&O, E&O, Cyber, and CGL.
Starting at ₹1.5 Lakhs + GST
More Than a Policy. A Partnership in Resilience.
Our Crisis Response Playbook (SLA)
When a crisis hits, you get a plan, not just a promise. Our clear SLAs ensure rapid response to get you back to business.
Annual Strategic Risk Review
We provide an annual data-driven review of your insured assets against emerging risks, helping you budget effectively and justify your insurance spend with concrete data.
Coverage That Scales With You
As you grow, your policy grows with you. We make it simple to add new locations, adjust asset values, and scale your coverage mid-term.
Built for the Modern Risk-Taker
If you're a leader at one of the following, the Ethika Office Shield™ is designed for you: