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Business Guard

Protect your business with an insurance package that you can design, based on the business you run

SMS CLAIMS to 5616181

Insurance for SMEs

Simple and comprehensive cover for Small to Medium-Sized Enterprises (SMEs)

Flexible Plan

Pick and choose from a wide range of covers for a single policy that suits your needs

Numerous Benefits

Material damage, business interruption, public liability, personal accident, workmen's compensation

Best-in-Class Service

Industry awarded Claims Service Assurance

Features and Benefits

Standard and Special perils

  • Covers property against loss or damage due to fire, lightning, explosion/implosion, aircraft damage, riot, strike and malicious damage, storm, cyclone, typhoon, tempest, hurricane, tornado, flood and inundation, impact damage due to rail road vehicle or animal not belonging to insured, subsidence and landslide including rockslide, bursting and/or overflowing of water tanks, apparatus and pipes, missile testing operations, leakage from automatic sprinkler installations and bush fire
  • You may add extended covers like earthquake and terrorism under this option

Main Exclusions

War or war like operations; Ionising radiation, contamination by radioactivity, nuclear fuels or waste and more

  • Burglary: Covers all contents and stock-in-trade (covered under Standard Fire and Special perils) against burglary or housebreaking, or hold-up including robbery
  • Electronic Equipment: Covers electronic equipments (e.g. computers, printers, fax, UPS) etc., including against any unforeseen sudden, physical loss or damage unless excluded specifically
  • Portable Equipment: Covers portable equipments e.g. laptops etc., against any loss, destruction or damage by fire, riots and strikes, theft by visible, physical, forcible and violent means; and accidental occurrence unless excluded specifically
  • Machinery Breakdown: Covers for unforeseen and sudden physical damage due to electrical or mechanical breakdown to machinery e.g. air conditioners, refrigerators, and photocopying machines
  • Money: Covers money in transit and/or in safe and in steel cupboard, cashbox and such other places under lock and key and or at counter / till, covering all business transactions and loss due to any accident or misfortune subject to limits as specified
  • Plate Glass: Covers loss or damage to the plate glass completely and securely fixed in the insured premises by accidental means
  • Neon Sign: Covers loss or damage to the neon / glow sign securely fixed at the insured premises by accidental means including fire, riot and strikes
  • Workmen's Compensation : Covers you for your liability under the Workmen's Compensation Act, 1923 and /or Fatal Accidents Act, 1855 and / or Common law to pay compensation to employees for bodily injury or death caused due to accidents arising out of and in course of employment
  • Personal Accident: Covers your employees in case of accident, 24 hours a day, and worldwide
  • Public Liability: Covers in case of a legal liability in respect of accidental bodily injury to third parties and or accidental loss and/or damage to property belonging to third parties
  • Baggage: Covers loss, destruction or damage to the accompanied personal baggage of the insured and employee related to trade
  • Fidelity Guarantee: Covers against direct financial loss due to fraud or dishonesty of employee
  • Burglary: Fire or explosions; inmates or member of the insured's household or business staff and more
  • Electronic equipment : Wear and tear faults or defects existing at the time of commencement of insurance within the knowledge of insured or his representative; and more
  • Machinery Break Down: Wilful act or neglect or gross negligence; deterioration or wearing away/ out by normal use, and more
  • Portable Equipment: Process of cleaning, restoring, repairing or deterioration arising from wear and tear, moth, vermin, insects or any other gradually occurring cause; detention or confiscation by customs or other authorities, and more
  • Money: Money in safe: Collusion by any employee or agent of the insured, use of keys or duplicate keys; Money in transit: Use of counterfeit money; unattached vehicle; Money in till/at the counter: Beyond business hours and more
  • Plate Glass: Damages
  • Neon Sign: Scratches and cracks whilst removing, replacing or alteration,
  • Workmen Compensation: Medical expenses, intentional self-injury, and more
  • Personal Accident: Intentional self-injury, suicide, and more
  • Public Liability: Wilful or intentional non-compliance of any statutory provision, and more
  • Baggage: Damage caused by a process of cleaning, dyeing or bleaching, restoring, repairing or renovation or deterioration arising from wear and tear
  • Fidelity: Liability will be restricted to any one accident/any one employee limit

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