Fire insurance for factories and businesses
Understand fire and property insurance for factories, warehouses, offices and stock—including insured perils, valuation, exclusions and claim preparation.
Read the guideFor factories, MSMEs and employers
Commercial insurance, built around your operations
Property, machinery, stock, transit, people and liability are connected. Umber helps businesses build a programme that reflects how they actually operate—not a collection of disconnected policies.
Commercial risk desk
One view across connected business exposures.
Review before quotationOperations, values, contracts and dependencies
Support after placementServicing, documentation and claims coordination
IRDAI licence 1103Baddi & Chandigarh offices100+ years combined experienceDedicated claims support
A connected programme
Advice before quotation
Our team brings experience across insurance, engineering, legal practice, food technology, agriculture and business operations. That gives us a practical starting point for understanding industrial risks.
We compare insurer appetite and wording, support risk information and negotiations, and remain involved when a claim requires survey, technical records, financial documents and persistent follow-up.
“Price is one decision. The harder work is making every policy fit the same real-world operation.
Cover library
Understand each part of the programme
Substantive guides to who needs each cover, what it can include, issues to examine and how claims are prepared.
Marine cargo and transit insurance
Protect raw materials and finished goods moving by road, rail, air or sea. Learn about transit declarations, clauses, exclusions and cargo claims.
Read the guideMachinery breakdown insurance
Cover sudden and accidental machinery damage in factories and industrial units, with attention to valuation, exclusions and loss-of-profit exposure.
Read the guideIndustrial all risk insurance
A practical guide to Industrial All Risk insurance for larger manufacturing risks, combining property damage and business interruption subject to policy terms.
Read the guideWorkmen compensation insurance
Employer liability cover for occupational injury or death, with guidance on workforce declarations, contractor exposure and claims documentation.
Read the guideGroup health insurance for employers
Design and compare employee group health insurance with attention to family definitions, sub-limits, claims service, maternity and utilisation.
Read the guidePublic liability insurance for businesses
Protection against covered third-party bodily injury and property-damage liability arising from business operations or premises.
Read the guideProduct liability insurance for manufacturers
Liability protection for manufacturers, exporters and sellers when products allegedly cause third-party injury or property damage.
Read the guideStock insurance for factories and warehouses
Protect raw materials, work in progress and finished goods across factories and warehouses, with correct values, locations and policy conditions.
Read the guideStart with your current programme
Speak to our business team Find the questions worth asking.
Send us your policy schedule and major concerns. We will help you understand the next useful step.