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A successful business starts with effective risk management. We offer comprehensive commercial solutions tailored to address the unique and diverse risks that businesses face. Building, shop, factory and other property are insured under SME (Small Medium Enterprise) It protects from unforseen accidents.
Types of SME Insurance
Burglary
It covers all the items including money, stock and others included at the time of taking the policy.
Marine
It covers the items while shifting from one location to another. It includes all the modes of transports including air and water.
Fire
It mainly covers the building, machinery stock and other named / categorised assets if they are being destroyed/ damaged due to fire accident.
Employee Compensation
It mainly covers accidental injuries and death in the working hours and location mentioned while taking the policy. This policy can be taken by employees name or position.
These are the main products offered by Insurance companies through SME (Small Medium Enterprises) category. Every insurance companies have their own advantages and disadvantages. Some companies have better products, while some are good in providing additional features, while some are known for their own advantages.
Coverages Under SME Insurance
Fire
Natural Calamities
Riots / Strikes
Damaged caused by collision/ Impact
Third party Liability
Burglary
Coverage are the major reason of taking SME insurance. Every Insurance company may covers all the major coverages mentioned above with their own T&C. Taking SME insurance keeps you calm at the time of any such accident covered under your SME Insurance policy.
Documents required while taking insurance
1. Old insurance policy copy (If it is a renewal insurance)
2. Address proof (Eg.: aadhar card, pan card)
3. Any other documents (if asked)
4. Proposer Form (mainly required at the time of taking new policy)
Documents required while taking claim
1. Claim form
2. ID Proof
3. Original invoices and related documents.
4. Insurance policy copy
5. Surveyor report and FIR Copy (If asked)