You build
the business.
Let’s look after
the what-ifs.
Commercial insurance for the property, people and everyday operations you depend on. Clear advice, suitable cover and a team to turn to.
there’s something worth protecting.
Factories & industry
Property, production and the dependencies between them.
Small & growing businesses
A useful starting point for shops, workshops and service firms.
Your team
Employee benefits and protection for the people behind your business.
Different risks.
One connected view.
Find a guide for the part of your business you’re thinking about. Each explains what to review, where cover can vary and what to prepare.
9 guides to explore
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.
Explore the guide Goods in transitMarine 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.
Explore the guide Property & machineryMachinery breakdown insurance
Cover sudden and accidental machinery damage in factories and industrial units, with attention to valuation, exclusions and loss-of-profit exposure.
Explore the guide Property & machineryIndustrial 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.
Explore the guide Your peopleWorkmen compensation insurance
Employer liability cover for occupational injury or death, with guidance on workforce declarations, contractor exposure and claims documentation.
Explore the guide Your peopleGroup health insurance for employers
Design and compare employee group health insurance with attention to family definitions, sub-limits, claims service, maternity and utilisation.
Explore the guide LiabilityPublic liability insurance for businesses
Protection against covered third-party bodily injury and property-damage liability arising from business operations or premises.
Explore the guide LiabilityProduct liability insurance for manufacturers
Liability protection for manufacturers, exporters and sellers when products allegedly cause third-party injury or property damage.
Explore the guide Property & machineryStock 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.
Explore the guideA better review starts
with your real business.
You don’t need a perfect file to begin. A few details help us understand what has changed and which questions to ask.
- 01
How you operate
Your activity, premises, storage, deliveries and the people who work with you.
- 02
What you have today
Current policies, declared values, renewal dates and any questions about the wording.
- 03
What has changed
New equipment, higher stock, a different location or contracts that need a closer look.
Local understanding.
A wider perspective.
From Baddi and Chandigarh, we bring insurance, engineering, legal and business experience to your review.
Your business changes.
Your cover should keep up.
Tell us what’s on your mind. We’ll help you find the right starting point.
General information only. Cover depends on the selected policy wording, disclosures, underwriting, exclusions, warranties and deductibles. The hero image is an illustrative scene.