Business & Commercial Insurance
Comprehensive coverage designed to protect businesses from financial losses arising from property damage, employee liabilities, cyber risks, legal claims, and operational disruptions.
Our Services
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- Business & Commercial Insurance
- Fire Insurance (Property): Protects commercial properties against losses caused by fire, lightning, explosion, and related perils. Ensures financial stability by covering repair, rebuilding, and asset replacement costs.
- Burglary & Theft Insurance: Covers financial losses due to burglary, housebreaking, and theft of insured business assets, stock, and equipment, ensuring continuity after unexpected incidents.
- Marine Insurance: Comprehensive protection for goods and vessels involved in domestic or international transportation across sea, air, or land routes.
- Cargo Insurance: Covers loss or damage to goods in transit due to accidents, theft, or natural calamities.
- Hull Insurance: Covers physical damage to ships and vessels, including machinery and onboard equipment.
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Workmen Compensation Insurance
Mandatory statutory insurance providing compensation to employees for injuries, disabilities, or death arising out of workplace accidents.
- Directors & Officers (D&O) Liability: Safeguards company directors and senior management from personal liability arising due to legal claims, mismanagement allegations, or regulatory actions.
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Cyber Security Insurance
Protects businesses against financial losses resulting from cyberattacks, data breaches, and digital threats.
- First-Party Cover: Covers data restoration, ransomware payments, and business interruption losses.
- Third-Party Cover: Covers legal defense costs, penalties, and compensation claims due to data breaches.
- Media Liability Insurance:Provides protection against online defamation, copyright infringement, content misuse, and media-related legal claims..
- New & Emerging Insurance Options
- Pet Insurance: Covers veterinary treatment costs, surgeries, and third-party liability, ensuring comprehensive healthcare protection for your pets..
- Cybersecurity Insurance for Individuals: Protects individuals from identity theft, online fraud, data misuse, and cybercrime-related financial losses.
- Gig Economy Insurance: Tailored coverage for freelancers and gig workers, protecting equipment, income loss, and professional liabilities.
- Drone Insurance: Covers physical damage, theft, and third-party liability arising from commercial or recreational drone usage.
- Telemedicine Insurance: Provides cashless access to online medical consultations, prescriptions, and digital healthcare services.
- Home Warranty Insurance: Covers repair and replacement costs of major home appliances and systems due to regular wear and tear..
Why Choose Us
Common Insurance Queries
Not all policies are mandatory. However, Workmen Compensation Insurance is legally required if you employ staff. Other covers like fire, liability, and cyber insurance are optional but strongly recommended.
At minimum, most small businesses should have property insurance, liability cover, and employee-related insurance. The exact requirement depends on your industry, size, and operational risks.
Yes. Cyber insurance can cover data recovery costs, ransomware payments, legal expenses, and customer compensation after a cyber incident, depending on policy terms.
Yes, but only if you have Business Interruption cover. It compensates for loss of income and fixed expenses during downtime caused by an insured event.
An advisor helps you choose the right coverage, avoid underinsurance, understand exclusions, and manage claims, ensuring you get real protection—not just a policy document.