360° Business Insurance for MSMEs & Large Industries – Fire, Cyber, IAR, Mega Risk & More
- IRDAI Compliant
- Expert Advisory
- Fast Claim Support
- Pan-India Service
✅ IRDAI Compliant ✅ Expert Advisory ✅ Fast Claim Support ✅ Pan-India Service
Get complete protection for your factory, warehouse, building, plant, stock, machinery, data, and profits — all under expert-driven risk management.
600+
Satisfied Businesses
10,000+
Claims Handled
99.3%
Claims Disposal Ratio
2005
Inception year
Comprehensive Business Risk Protection:
Machinery Breakdown, Business Interruption & More
Why Your Business Needs 360° Insurance Protection
Indian businesses are exposed to several high-impact risks:
- Fire, Explosion, Flood, Earthquake
- Ransomware, Data Breach & Fund Transfer Fraud
- Machinery Breakdown & Production Halt
- Large Industrial Catastrophic Losses
- Liability, Legal Penalties & Compliance Risks
Our insurance solutions protect your assets, employees, infrastructure, data, and revenue from unexpected events.
Our Insurance Offerings
Welcome to a complete suite of IRDAI-approved insurance products designed for businesses of all sizes.
Bharat Laghu Udyam Suraksha (₹5 Cr – ₹50 Cr Assets)
Perfect for MSMEs, warehouses, commercial buildings, retail units, manufacturing units.
Covers:
- Fire, STFI, Earthquake
- Burglary & Theft
- Stock, Machinery, Building
- 15% Underinsurance Waiver
- Business Interruption Protection
- Add-On Covers
Cyber Liability Insurance (₹25L– ₹20 Cr Assets)
Ideal for manufacturers, IT firms, traders, exporters, hospitals, schools, fintech & MSMEs.
Covers:
- Ransomware
- Data Breach & Legal Expenses
- Fraudulent Fund Transfer
- Business Interruption
- DPDP Act Penalties
- Reputation Loss
IAR Supreme (Industrial All Risk Policy)
Designed for medium to large factories and plants with Sum Insured above ₹50–250 Cr.
Covers:
- Fire & All Perils
- Machinery Breakdown
- Business Interruption
- Accidental Damage
- Electrical Short-Circuit
- Burglary & Theft
Mega Risk Insurance (₹250 Cr – ₹5000 Cr Assets)
For large-scale industries: steel, chemical, pharma, auto, refineries, engineering, infrastructure.
Covers:
- Fire + Accidental Damage
- Machinery Breakdown
- Catastrophic Losses
- Business Interruption
- Reinsured & Co-Insurance Cover
- Global Risk Engineering
Standard Fire & Special Perils Insurance (SFSP)
Ideal for shops, offices, godowns, commercial buildings, warehouses, small factories.
Covers:
- Fire & Lightning
- Explosion
- Earthquake
- Flood & Cyclone
- Riots, Strikes, Malicious Damage
- Subsidence & Landslide
What Does Insurance Manager Cover?
| Feature / Risk | SFSP | Bharat Laghu Udyam | IAR Supreme | Mega Risk | Cyber Liability |
|---|---|---|---|---|---|
| Fire | |||||
| Earthquake | |||||
| Machinery Breakdown | Optional | ||||
| All-Risk Accidental Damage | Yes | Yes | |||
| Business Interruption | Optional | Optional | Optional | ||
| Cyber & Data Risk | Full Cover | ||||
| Sum Insured | Up to ₹5 Cr+ | Up to ₹50 Cr | ₹50–250 Cr | ₹250–5000 Cr | ₹25L–₹20 Cr |
Why Choose Insurance Manager
Claims Expertise (10,000+ Claims Handled)
Proper Fire, Cyber & Risk Engineering
Pan-India Support
Valuation, Audit & Safety Compliance
Quick Policy Issuance & Documentation
Industries We Serve
Manufacturing
Auto & Engineering
Plastics & Packaging
Pharma & Chemical
Warehousing & Logistics
IT/Software & Fintech
Coverages & Customized Options
Client can take only Material Damage Policy.
Client can take Material Damage + Machinery Breakdown.
Client can take Material Damage + Loss of Profit due to Business Interruption.
Client can take all three policies together.
Simple, Transparent Claim Process
1
Inform insurer within 24 hours
2
Submit claim form loss details, & inspection report
3
Surveyor assessment
4
Claim settlement within 10–15 days
Real Business. Real Protection.
Pharma Manufacturing Unit — Machinery Breakdown & Profit Loss
A sudden machinery failure halted production for a week. The Industrial All Risk cover compensated ₹52L for repairs and ₹19L for profit loss, helping the plant restart quickly with minimal financial impact.
Why Businesses Trust Insurance Manager
Expert Risk Assessment
Quick Quote & Issuance
24×7 Support & Claim Assistance
IRDAI Certified Advisors
Pan-India Service
Frequently Asked Questions
Which insurance policy is right for my business?
Depends on your sum insured and nature of operations:
Below ₹5 Cr: Bharat Sookshma
₹5–₹50 Cr: Bharat Laghu Udyam
₹50–250 Cr: IAR Supreme
₹250–5000 Cr: Mega Risk
Any size: Cyber Liability
Do you provide risk inspection?
Yes — free risk assessments for large clients.
Do you assist in claims?
Absolutely. We specialize in end-to-end claim management.
Don’t wait for an accident to realize the value of the right policy.
Protect your factory, profits and peace of mind today.
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