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PROTECT YOUR BUSINESS WITH THE RIGHT INSURANCE PLAN

Commercial insurance protects your business from unexpected financial losses, legal liabilities, and operational risks — so you can grow with confidence.

Fire

Fire

Burglary

Burglary

Marine

Marine

Group Health

Group Health

Liability

Liability

Workmen Comp.

Workmen Comp.

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Trusted by thousands of families across India.

An IRDAI licensed insurance broker.

What Is Commercial Insurance?

Commercial insurance is a type of insurance designed to protect businesses, organizations, and professionals from potential financial losses that can arise during the course of running a business. Unlike personal insurance, which covers individuals and families, commercial insurance focuses on safeguarding business-related assets, operations, and liabilities.

Whether you run a small retail store or a large manufacturing unit, every business faces risks — accidents, property damage, legal claims, employee injuries, or even unexpected disruptions. These risks can lead to significant financial strain if not planned for in advance.

Commercial insurance provides a financial safety net that helps your business recover from these setbacks, continue operations smoothly, and meet legal or contractual obligations where required.

Inclusive of 5% online discount

❤️ 100% issuance offer guarantee, ensuring hassle-free approval
✅ No Room Rent Limit
✅ ₹5 lakh Renewal Bonus; optional
✅ Unlimited Restoration of cover

View all features | Watch plan Video 🔵

View 8 more plans

Inclusive of 5% online discount

❤️ 100% issuance offer guarantee, ensuring hassle-free approval
✅ No Room Rent Limit
✅ ₹5 lakh Renewal Bonus; optional
✅ Unlimited Restoration of cover

View all features | Watch plan Video 🔵

View 8 more plans

View more

Inclusive of 5% online discount

❤️ 100% issuance offer guarantee, ensuring hassle-free approval
✅ No Room Rent Limit
✅ ₹5 lakh Renewal Bonus; optional
✅ Unlimited Restoration of cover

View all features | Watch plan Video 🔵

View 8 more plans

Inclusive of 5% online discount

❤️ 100% issuance offer guarantee, ensuring hassle-free approval
✅ No Room Rent Limit
✅ ₹5 lakh Renewal Bonus; optional
✅ Unlimited Restoration of cover

View all features | Watch plan Video 🔵

View 8 more plans

View more

Inclusive of 5% online discount

❤️ 100% issuance offer guarantee, ensuring hassle-free approval
✅ No Room Rent Limit
✅ ₹5 lakh Renewal Bonus; optional
✅ Unlimited Restoration of cover

View all features | Watch plan Video 🔵

View 8 more plans

Inclusive of 5% online discount

❤️ 100% issuance offer guarantee, ensuring hassle-free approval
✅ No Room Rent Limit
✅ ₹5 lakh Renewal Bonus; optional
✅ Unlimited Restoration of cover

View all features | Watch plan Video 🔵

View 8 more plans

View more

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Why Do You Need Commercial Insurance?

Running a business involves uncertainties. Commercial insurance ensures that your company is protected from losses that could otherwise derail your finances or reputation. It helps you:

Maintain business continuity during unforeseen events
Build trust with clients, vendors, and investors
Fulfill regulatory or contractual requirements
Reduce out-of-pocket expenses when things go wrong
Focus on growth while staying protected in the background

In short, it’s not just about protecting your assets — it’s about protecting everything you’ve built.

🔸 Fire Insurance

Protect your commercial property from fire, explosion & natural disasters A comprehensive fire insurance policy safeguards your factory, warehouse, or office against losses due to fire, lightning strikes, explosions, storms, floods, earthquakes, and other named perils.

Why choose Fire Cover?

Rapid claim settlement for business continuity
Optional coverage for machinery breakdown & terrorism
Flexible sum-insured options starting from ₹5 lakh

Subtypes:

Bharat Sookshma Udyam Suraksha (BSUS) – Small‐business fire cover
Bharat Laghu Udyam Suraksha (BLUS) – SME fire & allied perils
Bharat Griha Raksha (BGR) – Commercial & residential properties

🔸 Marine Cargo Insurance

Protect your goods in transit by sea, road, rail, or air From raw materials to finished products, Marine insurance policies safeguard your shipments against loss or damage during loading, unloading, and transit.

Key benefits:

Coverage against sinking, collision, fire, and pilferage
Option to include warehouse‐to‐warehouse transit
Single-voyage or annual “Open Cover” policies

Subtypes:

Specific Voyage Policy – One-time shipment cover
Annual Policy – Multiple shipments over 12 months
Open Marine Cover – Flexible, on-demand marine cover

🔸 Group Mediclaim Insurance

Comprehensive healthcare cover for your workforce Offer hospitalization, surgery, and day-care cover to employees (and dependents) under a single group health policy. Improve employee retention and well-being.

Key benefits:

Cashless treatment across 10,000+ network hospitals
Pre- and post-hospitalization cover
Wellness programs & annual health check-ups

Subtypes:

Employee + Spouse – Two‐member cover
Employee + Family – Full dependent cover
Top-Up Plans – Additional cover over existing policy

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All Products Overview

Product	Key Benefits	Starting Premium	Learn More
Fire Insurance	Rapid claim, natural calamities, add-ons	₹5,000/yr	[View Plans]
Burglary & Theft	Stock protection, door damage, global cover	₹3,500/yr	[View Plans]
Marine Cargo	Multi-modal transit, open cover	₹7,000/yr	[View Plans]
Workmen Compensation	Statutory compliance, PA add-on	₹2,000/yr	[View Plans]
Group Mediclaim	Cashless hospitals, wellness rewards	₹10,000/yr	[View Plans]

Types of Plans	Ideal Health Insurance Sum Insured
Types of Plans	Tier-1 City	Tier-2 City	Tier-3 City
Individual Health Insurance Plan	₹10 lakh & above	₹5–10 lakh	₹5 lakh
Family Floater Health Insurance Plan	₹30 lakh & above	₹20 lakh & above	₹10 lakh & above
Senior Citizen Health Insurance Plan	₹20 lakh & above	₹15 lakh & above	₹10 lakh & above

FAQs About Commercial Insurance

Q: What does commercial insurance cover?

Ans: Covers a variety of risks like property damage, liability, business interruption, cyber threats, and employee-related risks specific to your industry.
Q: What types of commercial insurance are available?
Ans:
- ● Property & Fire Insurance
- ● Public & Product Liability
- ● Business Interruption Insurance
- ● Professional Indemnity
- ● Cyber Liability Insurance
- ● Trade Credit Insurance (protects receivables)
Q: How much does commercial insurance cost?

Ans: Premiums depend on factors such as the nature of your business, annual turnover, claim history, location, and coverage limits.
Q: What is trade credit insurance?

Ans:Protects businesses against non‑payment risks from customers—including insolvency or political events—helping businesses secure receivables even internationally .
Q: Do I get a custom policy tailored to my business?

Ans: Yes. You can choose from standard forms or go for Alternative Risk Transfer (ART) options, which offer customized, multi‑year coverage
Q: What is a Risk Retention Group (RRG)?

Ans:An RRG is a member-owned insurance group formed to cover specific liability risks, giving businesses more control and potentially lower costs
Q: How do I file a commercial insurance claim?
Ans:
- ● Report the incident to your insurer as soon as possible
- ● Submit relevant documents (photos, invoices, FIRs)
- ● Follow up with a dedicated claims advisor—Probitas provides end-to-end support
Q: Can my premium increase after filing a claim?

Ans: Yes—like other insurers, commercial policy premiums may increase based on claim frequency and severity.
Q: How often should I review my commercial insurance?
Ans:
- ● Annually, or when you:
- ● Add new products/services
- ● Hire more staff or open new locations
- ● Experience claim incidents or changes in turnover
Q: Why should I choose Probitas for commercial insurance?

Ans: We not only offer competitive rates and tailored coverage but also expert advisory, rapid claim handling, and support navigating custom options like ART and RRGs.
Q: Can I bundle multiple covers?

Ans: Yes—combine fire, burglary, and liability for bundled discounts.
Q: How soon can I get a quote?

Ans: Instant online quotes—get your premium estimate in under 2 minutes.
Q: What documents are needed?

Ans: Copy of business registration, property lease/deed, and KYC.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Take My Insurance does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Take My Insurance. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in