Insurance that a client, a lender and your own people will each accept.
Group health and personal accident, fire and asset cover, contractors’ and project policies, and liability programmes for growing businesses.
- IRDAI-registered
- Insurance Marketing Firm, Reg. No. IMF10800620260983
- Panel of insurers
- Placed across multiple reputed companies, not one
- Risk assessed first
- Cover sized before a product is named
- Claims supported end-to-end
- Documentation to settlement
Most SME cover is a stack of unrelated policies
They were bought at different times, for different reasons — one because a bank asked for it, one because a client’s contract demanded it, one because it came up at renewal. Nobody has looked at them together, so nobody knows what overlaps, what is missing, and what would actually happen if the factory stopped for six weeks. We look at them together.
Programme components
- Group health insurance
- the benefit employees notice most, structured around headcount, family definition, room-rent limits, maternity and pre-existing condition waivers.
- Group personal accident and term life
- cover for the workforce, and for statutory obligations where they apply.
- Fire and standard perils, and property all-risk
- buildings, plant, machinery and stock, sized on reinstatement cost.
- Business interruption
- the loss that continues after the fire is out. Consistently the most under-bought cover in the SME segment.
- Marine and transit
- stock and goods in movement, open cover for regular consignments.
- Contractors’ All Risk and Erection All Risk
- project-duration cover for construction and installation, including third-party liability.
- Liability programmes
- public liability, product liability, professional indemnity, and directors’ and officers’ cover where the structure warrants it.
- Key-person and employer-employee policies
- protecting the business against the loss of the people it depends on.
Four stages
- 01
Scope
a walkthrough of operations, locations, contracts and headcount.
- 02
Programme design
a single view of what should be covered, at what limits, with deliberate decisions about what is retained rather than insured.
- 03
Placement
taken to our panel, compared on wording and limits as well as premium, and presented as a written recommendation.
- 04
Servicing and renewal
endorsements as headcount and assets change, claims handled by us, and a proper review before each renewal rather than a rollover.
Three things a structured programme fixes
- Contractual compliance
- client and lender insurance requirements met without last-minute scrambling for a certificate.
- Retention
- a group health policy people can actually use is one of the least expensive retention tools an SME has.
- Continuity
- the difference between a bad quarter and a closed business is usually whether business interruption was bought properly.
Straight answers
We are only [15] people. Are we too small for a group policy?
No. Group health is available well below that headcount, and the economics usually beat individual policies for the same people.
A client is demanding a specific certificate of insurance. Can you help?
Yes — send us the contract clause. Getting the wording right matters as much as getting the cover.
We already have policies through several agents.
Bring them all. Consolidating the view is the first thing we do, and it usually finds both duplication and a gap.
Request a corporate proposal.
Tell us what you operate and where, and we will scope the programme before we quote on any part of it.
Or call +91 73582 79926 · Mon–Sat, 9.30am–6.30pm IST