Commercial, Warehouse & Industrial Risks

Yes. We review your facility construction class, plinth levels, firefighting equipment, storage racking heights, and inventory turnover to structure optimal Bharat Sookshma Udyam or Laghu Udyam policies covering fire, flood, storm, earthquake, impact damage, and burglary.

For businesses with fluctuating seasonal stock (such as agricultural commodities, FMCG distribution, or cold storage), a standard fixed sum insured results in either overpaying premium or dangerous under-insurance. A Declaration Policy allows you to submit monthly certified stock statements, with the final premium adjusted at year-end based on the true average inventory held.

Yes. We arrange Marine Cargo Transit insurance under Institute Cargo Clauses (ICC-A or Inland Transit ITC-A all-risk terms). This protects goods transported by road, rail, air, or coastal vessel against overturning, collision, theft, water damage, and loading/unloading losses across India.

While a standard fire policy pays for physical damages to building and machinery, it does not cover ongoing fixed operational expenses (like bank loan EMI, executive salaries, rent, and taxes) while the factory is being rebuilt. A FLOP policy replaces your lost gross profits and covers standing charges during the downtime indemnity period.

Third-Party Logistics (3PL) and warehouse keepers hold goods belonging to their clients. If a fire or theft occurs, the client's insurer may subrogate against the warehouse operator for negligence. Bailee's Legal Liability protects warehouse operators against legal claims brought by depositors and consignors.