Comprehensive Business Insurance for Indian SMEs
In today's complex risk landscape, robust protection is not an expense—it's a strategic asset. We partner with you to build a comprehensive shield against financial, operational, and reputational risks, so you can focus on building your legacy.
Commercial General Liability (CGL)
Your company's safety net for accidents and property damage in the physical world.
Ideal for: Businesses with a physical office or client-facing operations.
What It Protects:
- Bodily injury to a third party on your office premises.
- Damage to a third party's property caused by your employees.
- Advertising injury (e.g., copyright infringement in a campaign).
What It Doesn't:
- Professional mistakes or coding errors (covered by E&O).
- Employee injuries (covered by Employee's Compensation).
- Cyber breaches and data loss.
When You'll Need It:
A visitor trips over a server cable in your office, breaks their leg, and sues for medical expenses.
Directors & Officers (D&O) Liability
A shield for the personal assets of your leadership team from lawsuits against their management decisions.
Ideal for: Companies with a board, or startups seeking venture capital funding.
What It Protects:
- Legal defense costs for allegations of wrongful acts.
- Claims from investors for financial misrepresentation.
- Lawsuits from regulators for management failures.
What It Doesn't:
- Fraudulent or intentionally criminal acts.
- Claims covered by other policies (e.g., bodily injury).
- Legally uninsurable fines and penalties.
When You'll Need It:
An investor group sues the board, alleging misleading financial projections during a funding round.
Errors & Omissions (E&O)
Malpractice insurance for your technology and services.
Ideal for: SaaS companies, IT consultants, and professional service providers.
What It Protects:
- Financial loss to a client due to a bug in your software.
- Failure to deliver a promised service or technology solution.
- Negligence in providing professional services or tech consulting.
What It Doesn't:
- Intellectual property theft (better covered elsewhere).
- Intentional wrongdoing or false promises.
- General liability claims (e.g., property damage).
When You'll Need It:
Your SaaS platform has an outage from a faulty code push, causing financial losses for clients who then sue you.
Cyber Insurance
Your comprehensive emergency response and recovery plan for a data breach or cyber-attack.
Ideal for: Any company handling customer data or reliant on digital systems.
What It Protects:
- Costs of data breach notification, credit monitoring, and PR.
- Business interruption loss from a system shutdown.
- Regulatory fines (e.g., under India's DPDP Act).
- Data recovery and forensic investigation costs.
What It Doesn't:
- Loss of funds from social engineering (covered by Cybercrime).
- Future tech upgrades to prevent another attack.
- Reputational harm without direct financial loss.
When You'll Need It:
Your customer database is hacked, and you now face regulatory fines, legal fees, and notification costs.
Crime Insurance
Protection against theft of your company's money and securities by employees or external criminals.
Ideal for: Companies with employees handling finances or valuable assets.
What It Protects:
- Employee dishonesty and internal fraud (embezzlement).
- Forgery or alteration of financial instruments.
- Theft of money or property from your premises.
What It Doesn't:
- Indirect or consequential losses.
- Cybercrime events like fraudulent fund transfers.
- Inventory shortages discovered during a stocktake.
When You'll Need It:
Your finance manager creates fictitious vendors and funnels company money into their own bank account.
Cybercrime
A direct shield against financial loss from targeted online scams and fraudulent instructions.
Ideal for: Businesses that conduct online financial transactions.
What It Protects:
- Loss of funds from social engineering attacks (phishing).
- Fraudulent fund transfers initiated by an impersonator.
- Computer fraud and telephone fraud.
What It Doesn't:
- Data breach response costs (covered by Cyber Insurance).
- Theft by your own employees (covered by Crime Insurance).
When You'll Need It:
An accountant receives a spoofed email from the "CFO" urgently instructing a large fund transfer to a new "vendor."
Employee's Compensation (EC)
Your legal and financial responsibility to care for employees injured or made ill by their work.
Ideal for: Any company with employees in India.
What It Protects:
- Statutory Liability: Medical expenses and lost wages.
- Common Law Liability: Lawsuits from employees for negligence.
- Occupational Diseases: e.g., carpal tunnel for developers.
What It Doesn't:
- Injuries outside of employment.
- Self-inflicted injuries or those under influence of intoxicants.
When You'll Need It:
An employee develops a severe repetitive strain injury and sues for negligence in providing an ergonomic setup.
Office Package Insurance
A comprehensive policy that bundles protection for your physical office space and assets.
Ideal for: Businesses with a physical office and valuable equipment.
What It Protects:
- Damage to office building and contents (laptops, servers).
- Burglary and theft of office equipment.
- Electronic equipment breakdown (e.g., server malfunction).
- Business interruption if your office is unusable.
What It Doesn't:
- General wear and tear of equipment.
- Software or data loss (covered by Cyber).
- Acts of terrorism (often requires a separate extension).
When You'll Need It:
A short circuit causes a fire in your server room, destroying hardware and forcing you to rent a temporary workspace.
Marine Insurance (Cargo)
Insurance for your valuable hardware and goods while they are in transit.
Ideal for: Companies importing/exporting hardware or physical goods.
What It Protects:
- Loss or damage to goods (e.g., imported servers) during transit.
- Risks like theft, accidents, sinking, fire, and natural disasters.
- General average and salvage charges (costs to save the cargo).
What It Doesn't:
- Damage due to the inherent nature of the goods.
- Delays in transit that don't cause physical loss.
- Willful misconduct of the insured.
When You'll Need It:
A container holding your new, high-value servers for a data center buildout is lost at sea during a storm.
Trade Credit Insurance
A safety net for your accounts receivable, protecting you if a major client fails to pay.
Ideal for: B2B companies with significant accounts receivable.
What It Protects:
- Non-payment from a customer due to their insolvency.
- Protracted default (a customer not paying for an extended period).
- Political risks in export markets preventing payment.
What It Doesn't:
- Disputed debts by the customer for valid reasons.
- Sales to known bad debtors.
- Losses below the agreed-upon deductible.
When You'll Need It:
Your largest enterprise client, accounting for 30% of your revenue, suddenly declares bankruptcy, leaving a massive unpaid invoice.
Keyman Insurance
A financial cushion for the company if a critical founder or executive is unexpectedly lost.
Ideal for: Founder-led startups or companies reliant on specific individuals.
What It Protects:
- Provides a lump-sum payout to the *company* on death/illness of a key person.
- Funds can be used to manage disruption and hire a replacement.
- Protects investor confidence during a leadership crisis.
What It Doesn't:
- Does not pay out to the individual's family.
- Suicide within a specific initial period.
- Non-disclosure of pre-existing medical conditions.
When You'll Need It:
Your visionary founder and lead architect suddenly passes away, jeopardizing a major funding round and key client relationships.
Fleet Insurance
A single, master policy for all your company vehicles, simplifying management and reducing costs.
Ideal for: Companies managing five or more vehicles for business use.
What It Protects:
- One common renewal date for all vehicles, eliminating administrative hassle.
- Lower premiums through bulk negotiation and a single policy structure.
- Flexible coverage for any combination of cars, vans, or trucks.
- Simplified claims process with a single point of contact.
What It Doesn't:
- Vehicles not registered under the company's name.
- Wear and tear or routine mechanical breakdown.
When You'll Need It:
Your company has 15 sales cars, each with a different insurance renewal date, creating constant administrative work and missed opportunities for bulk discounts.