Cash Flow Cover
Loss of Profit (Fire)
Covers lost gross profit and certain standing charges, such as rent and salaries, while operations are interrupted after an insured loss.
Insurance designed around your business risks.
Aligned with IRDAI standard products
Surveyor process explained
Claims guidance from your Advisor
Business Insurance Advisory
Protect your assets, cash flow and liabilities
A fire, a machinery breakdown, a loss in transit or a legal claim can set a business back by years. A Distroo Advisor helps you identify your risks, match them to the right covers and avoid common gaps such as under-insurance, so that you are better prepared when something goes wrong.
Reinstatement Value Basis Explained
Surveyor and Claim Process Explained in Advance
Business Interruption (Loss of Profit) Options
Third-Party and Public Liability Options
Claim Guidance
How a Business Claim Works
When property is damaged or a liability claim arrives, a clear process reduces downtime. Here is how a claim usually works and where your Advisor helps. The insurer decides the claim.
Step 01
Inform Promptly
Inform the insurer and your Advisor as soon as the loss is discovered. Take steps to limit further damage and keep damaged property for inspection.
Step 02
Surveyor Appointment
The insurer appoints an independent, licensed surveyor to inspect the loss and assess it. Your Advisor can help you prepare for the visit.
Step 03
Documents & Records
Your Advisor helps you organise asset registers, repair estimates, stock statements and accounts that the surveyor and insurer will ask for.
Step 04
Interim Payment (Where Available)
In some larger losses, insurers may consider an on-account payment while the claim is assessed. This is at the insurer's discretion.
Step 05
Settlement
If the claim is admitted, the insurer pays the amount assessed under the policy, with the basis explained in the assessment.
Policy Add-Ons
Add-Ons and Specialised Covers for Business
Strengthen property and asset policies with covers for operations and liability. Each cover has its own terms, limits and exclusions.
Executive Cover
Directors & Officers (D&O)
Protects directors and officers against claims arising from management decisions, including defence costs, subject to policy terms.
Machinery
Machinery Breakdown
Covers sudden mechanical or electrical breakdown of machinery and equipment, as defined in the policy.
Cyber
Cyber Risk & Data Liability
Covers response costs and certain liabilities after a cyber incident or data breach, within policy limits.
Talk to an Advisor
Want help protecting your business?
Share your business details and a Distroo Advisor will explain suitable options in plain language.
Know the Terms
SME & Business Cover: Inclusions & Exclusions
Typical clauses to understand before you buy. Your policy wording is the final word.
What Is Covered
CoveredTypical features of commercial property and liability policies; check your policy
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Fire & Special Perils
Loss or damage from fire, lightning, explosion, storm, cyclone, flood and other listed perils.
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Burglary & Theft
Forcible entry and theft of stock, fixtures and equipment, under a burglary policy.
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Transit Cover
Goods damaged during transit by road or rail, under a marine or inland transit policy.
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Third-Party Liability
Legal liability for injury or property damage to third parties arising from your business, under a liability policy.
What Is NOT Covered
ExcludedTypical exclusions; the policy wording is final
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Wilful Negligence & Non-Compliance
Deliberate breaches of safety rules, or running without required permits such as a fire NOC, can affect a claim.
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Wear & Tear
Gradual deterioration, rust, corrosion and normal operating wear are generally excluded.
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Undeclared Changes
Major changes to the building, use or occupancy without informing the insurer can affect cover.
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War, Nuclear & Civil Unrest
Losses from war, nuclear or radioactive contamination and certain civil commotion are generally excluded.
Eligibility Checklist
Documents Required for SME & Business Underwriting
Accurate asset records help the insurer underwrite fairly and avoid disputes at claim time.
Factory Layout & Process Map
Plans showing production areas, boiler rooms and storage of hazardous materials.
Fixed Asset Register (FAR)
A list of machinery and equipment with values, as maintained in your accounts.
Fire Department NOC & Stock Ledger
A valid fire safety certificate, where applicable, and a recent stock statement.
Warehouse Lease Agreement
Proof of tenancy, the area of the premises and details of the structure.
Security & CCTV Details
Details of guards, logbooks and CCTV recording arrangements.
Stock Register
Recent stock valuations, including goods held on behalf of others.
Certificate of Incorporation & GST
Incorporation certificate, PAN and recent GST returns.
IT Asset Valuation
A list of servers, workstations, laptops and network equipment with values.
Security Standards & Certifications
Any information security certifications or controls, which insurers may ask for cyber cover.
Free Advisory Call
Book a One-on-One Consultation
Discuss your business, assets and risks with a Distroo Advisor.
Policy Review
Get Your Existing Policy Reviewed
Share your policy schedule and we will explain its key terms and possible gaps.
Free Business Insurance Review
Request a Business Risk Review
Speak with a Distroo Advisor. We review your existing covers, point out under-insurance and other gaps, and explain options from partner insurers.
- Terms from partner insurers explained side by side
- Help checking the reinstatement value of your assets
- Support while the surveyor assesses a loss
FAQs
Frequently Asked Questions on Commercial & SME Insurance
Answers about business covers, average clauses and claims.
Both are standard property products prescribed by IRDAI for businesses. Bharat Sookshma Udyam Suraksha is for micro enterprises with total assets at a location up to ₹5 crore, and Bharat Laghu Udyam Suraksha is for small enterprises with assets between ₹5 crore and ₹50 crore. Check the current IRDAI guidelines and your insurer's terms.
An average clause applies when property is insured for less than its actual value at the time of loss. If a ₹10 crore factory is insured for ₹7 crore, the insurer may pay only 70% of any loss. An accurate valuation, reviewed each year, helps avoid this.
No. A standard fire policy covers physical loss of property. To cover lost profit and certain standing charges during a shutdown, you need a business interruption or loss of profit cover.
Directors and officers can face claims over management decisions from shareholders, lenders, regulators or employees. D&O insurance can pay defence costs and certain liabilities, subject to limits and exclusions such as deliberate fraud.
The insurer appoints the surveyor, and timing depends on the insurer, the location and the nature of the loss. Inform the insurer and your Advisor immediately, preserve the damaged property and keep your records ready.