Property damage
Physical loss to declared buildings, stock, plant and contents from insured perils.
Example: The schedule controls locations and values.
General Insurance · verified 5 September 2026
Business Insurance
Build protection around the way the business can stop, lose assets or face a claim.
Start here
What is business insurance?
Business insurance is a portfolio, not one product. A practical programme can combine property, interruption, liability, engineering, employee, crime, marine and cyber covers. Start with a risk map: locations, revenue dependencies, contracts, people, machinery, data and legal obligations.
Plain-language guide
Important terminology with examples
Definitions are educational summaries. The issued policy wording and schedule control every claim.
Business interruption
Loss of profit and continuing expenses following insured damage.
Example: Choose an adequate indemnity period.
Public/product liability
Legal liability for third-party injury or damage from operations or products.
Example: Defence costs and jurisdiction limits matter.
Professional indemnity
Claims alleging professional error, omission or negligence.
Example: Often claims-made, so retroactive date and continuous renewal matter.
Directors & officers
Personal liability of directors/officers and company reimbursement under defined claims.
Example: It does not replace crime or cyber cover.
Engineering
Machinery breakdown, erection, contractor plant and project risks.
Example: Maintenance and testing periods must be declared.
Employee covers
Group health, personal accident and statutory employee-related covers.
Example: Benefits and legal obligations depend on workforce and jurisdiction.
Fidelity/crime
Defined direct financial loss caused by employee dishonesty or crime.
Example: Discovery periods and controls are important.
Clickable insurer directory
Companies offering relevant covers
Open a company page to review current plan families, eligibility guidance, coverage, exclusions and official documents.
National Insurance
Shopkeepers, office and industrial package products
View plans & documents →
The New India Assurance
Business, engineering and liability products
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The Oriental Insurance
SME, engineering and liability products
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United India Insurance
Shopkeeper, industrial and liability products
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Agriculture Insurance Company of India
Official Business product and document directory
View plans & documents →
ECGC
Official Business product and document directory
View plans & documents →
Bajaj General Insurance
SME and liability packages
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Cholamandalam MS General Insurance
SME, engineering and liability products
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Generali Central Insurance
SME and commercial products
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Go Digit General Insurance
Business and liability covers
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HDFC ERGO General Insurance
Property, engineering and liability products
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ICICI Lombard General Insurance
SME, engineering and liability products
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IFFCO Tokio General Insurance
Trade Suvidha, engineering and liability products
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IndusInd General Insurance
SME and commercial products
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Kshema General Insurance
Official Business product and document directory
View plans & documents →
Liberty General Insurance
Commercial package and liability products
View plans & documents →
Magma General Insurance
Commercial and SME products
View plans & documents →
Raheja QBE General Insurance
Commercial, liability and engineering products
View plans & documents →
Royal Sundaram General Insurance
Business Shield and liability products
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SBI General Insurance
SME, engineering and liability products
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Shriram General Insurance
Shopkeeper, property and liability products
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Tata AIG General Insurance
SME, engineering and liability products
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Universal Sompo General Insurance
SME and commercial products
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Zuno General Insurance
Commercial products
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Zurich Kotak General Insurance
SME, engineering and liability products
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Care Health Insurance
Group Health and Group Personal Accident
View plans & documents →
Narayana Health Insurance
Narayana Group Health / Arya Group Health
View plans & documents →
ManipalCigna Health Insurance
Group Health products
View plans & documents →Insurer status was checked against IRDAI’s current insurer directories on 5 September 2026. Product availability varies by state, customer profile, channel and underwriting. Specialised insurers appear only in relevant categories.
Before you pay
Six checks that prevent avoidable surprises
Correct insured
Names, ages, vehicle/property/business details and ownership must be accurate.
Full disclosure
Declare health, claims, modifications, occupation and risk information truthfully.
Coverage limits
Read sum insured, sub-limits, deductibles, co-pay and section limits.
Exclusions
Read permanent exclusions, waiting periods and special conditions.
Claims process
Save assistance numbers, notification timelines and required documents.
Official wording
Brochure explains; policy wording and schedule decide.