Why Corporate Insurance Matters
Data-driven insights on why comprehensive coverage is crucial for business continuity in India.
Total Commercial Premium
₹1.24 Lakh Cr
Gross premium in Indian corporate sector (2026)
Cyber Claims Growth
+300%
Increase in corporate cyber claims since 2023
Average GMC Claim
₹78,000
Average payout per Group Medical claim
SME Coverage Gap
85%
Startups/SMEs operating without liability cover
Top Business Risks in India
*Distribution of common claims faced by Indian enterprises. Cyber attacks now #1 risk.
Financial Impact (Liability Costs)
*Projected accumulative costs of liability claims over 5 years (Indian market data).
Claim Settlement Ratios (FY25)
*Official IRDAI annual disclosure reports for Indian insurance providers.
Enterprise Premium Distribution
*Average premium distribution across Indian mid-market & enterprise companies.
Did You Know?
Surprising statistics and essential facts about the corporate insurance landscape in India today.
43% of cyber attacks target small businesses.
Cyber insurance is no longer optional; it's a necessity for digital safety. Premiums start at just ₹15,000 annually for basic coverage.
75% of businesses are underinsured.
Many companies fail to update their coverage as they grow, leaving gaps in protection that could be catastrophic.
Group Health premiums grew 9% in FY26.
Retail health grew even faster at 10%, showing increased awareness of health coverage needs among Indians.
Mandatory vs. Recommended
Not sure what insurance your business needs? Here is a breakdown of legally required policies versus recommended coverage to keep your business safe.
Mandatory by Law
Legally required for businesses in India under various acts.
Workmen's Compensation
Mandatory for all manufacturing/construction businesses with employees.
Third-Party Motor Insurance
Mandatory for all commercial vehicles owned by the company.
Public Liability Act Policy
Mandatory for businesses handling hazardous substances.
Highly Recommended
Essential policies to protect against major financial losses.
Group Health (GMC)
Crucial for employee retention and well-being.
Fire & Burglary
Protects office premises, inventory, and assets.
Commercial General Liability
Protects against third-party bodily injury and property damage.
Good to Have / Niche
Advanced protection for modern and specialized risks.
Cyber Liability
Essential for IT, finance, and data-heavy businesses.
Directors & Officers (D&O)
Protects management from personal liability claims.
Trade Credit
Protects against non-payment by B2B customers.
Premium Calculators
Choose a calculator to estimate your insurance premiums instantly.
Estimate Your Business Insurance Cost
Comprehensive protection for your assets, stock, and legal liabilities. Secure your business against Fire, Theft, and Third-Party claims.
Assets Cover
Protects Building, Plant, Machinery & Stock.
Burglary
Coverage against Keyman theft and forcible entry.
Liability
Legal protection against third-party bodily injury or property damage.
This calculator gives a quick estimate of business insurance costs based on common SME risk factors. Final premiums may vary depending on asset valuation, business operations, claims history, and insurer underwriting.
SME Package Calculator
Fire + Burglary + Public Liability
Estimated Annual Premium
₹0
+ GST*Indicative premium for selected 2 covers.
Leading Commercial & Corporate Insurers in India
We partner with IRDAI-approved insurers rated on Claim Settlement Ratio, Network Hospitals, and Financial Stability.
HDFC ERGO
Comprehensive Business Packages
ICICI Lombard
Tech-driven Claims Processing
New India Assurance
Public Sector Reliability
Tata AIG
Best for Liability Insurance
Insurance Products
Group Personal Accident (GPA) Cover
24x7 accident coverage for all employees — covers accidental death, permanent disability, temporary disability, and medical expenses arising from accidents.
Group Medical Cover (GMC)
Comprehensive cashless hospitalisation cover for employees and their families — includes pre & post hospitalisation, day-care procedures, maternity, and OPD benefits.
Group Term Life (GTL)
Life insurance for the entire workforce — provides a lump-sum payout to the nominee in case of an employee's death during service, at very low group premium rates.
Industries We Serve
IT & Software Companies
Cyber, Professional Indemnity, Group Health
Manufacturing
Fire, Workmen Compensation, Machinery Breakdown
Construction & Infrastructure
Workmen Compensation, Contractor All Risk (CAR), CPM, Marine & Liability
Healthcare & Hospitals
Medical Malpractice, Group Health, Property
Retail & Shops
Fire, Theft, Public Liability
Finance & Banking
D&O, Professional Indemnity, Cyber
How It Works
Get insured in 4 simple steps
Submit Your Requirement
Tell us about your business and insurance needs. Free consultation.
Get Expert Consultation
Our IRDAI-certified experts analyze your risks and suggest best policies from top insurers.
Compare & Choose Plan
Compare multiple insurers, premiums, and coverage to choose the best fit.
Policy Issuance
Instant policy issuance with full documentation support (24-48 hrs).
Seamless Claims Experience
We don't just sell policies; we settle claims. Our dedicated team ensures you get what you were promised.
Dedicated Manager
A single point of contact for all your claim-related queries.
Documentation Support
Complete handholding with paperwork to avoid rejections.
Insurer Coordination
We talk to the insurers so you can focus on your business.
Escalation Support
Priority resolution channels for complex or delayed claims.
Benefits
Why choose our corporate insurance solutions
Complete Business Protection
Protect employees, assets, operations, and liabilities under one roof.
Regulatory Compliance
Ensure compliance with Indian labor laws, IRDAI, and corporate regulations.
Financial Security
Prevent large financial losses and protect revenue streams.
Employee Satisfaction
Improve retention with strong employee benefits and wellness programs.
Pan India Service
On-ground support across all major cities and states — from policy issuance to claims, wherever your business operates.
Disclaimer: Information and premium quotes provided are for general guidance and are subject to change. Please verify all details with the respective insurance providers before making a final decision.