SME & Business

Protect the business you've built

From your team's health to your shop, stock and liabilities — we structure cover around how your business actually runs, without overselling policies you don't need.

Group
health plans
Property
fire & burglary
Liability
protection
What you get

Cover that actually works for you

Group health for your team

Attract and keep talent with affordable group medical cover — often cheaper per head than individual plans.

Shop, office & stock

Protect your premises and inventory against fire, burglary and natural disasters.

Public liability

Cover legal costs and compensation if a third party is injured or their property is damaged.

Professional indemnity

For service businesses — protection against claims of negligence, errors or omissions.

Goods & transit

Insure stock and equipment while it's being moved or shipped between locations.

Business interruption

Replace lost income if an insured event forces you to pause operations.

Types of plans

Find the right fit

Not sure which one suits you? That's exactly what our free call is for.

Group Health

Medical cover for your employees, with optional family and maternity benefits.

Best for

Growing teams

Property (Fire & Burglary)

Covers your building, stock and contents against fire, theft and disasters.

Best for

Shops & warehouses

Liability

Public, product and professional liability cover for claims made against you.

Best for

Customer-facing firms

Business Package

A bundled policy combining property, liability and more in a single plan.

Best for

All-in-one cover

Buyer's checklist

What to check before you insure your business

  • Sum insured that reflects the true value of premises, stock and equipment
  • Whether group health needs maternity, OPD or family cover
  • Liability limits appropriate to your industry and contracts
  • Coverage for seasonal spikes in stock or footfall
  • Add-ons for business interruption and transit
  • Claim process and any obligations like maintaining safety records
How Insubees helps
1

Advice with zero spam

Talk to IRDAI-certified advisors who get paid to help you — not to push a product. No call-centre scripts, no endless follow-ups.

2

We handle the paperwork

From shortlisting to medicals to policy issuance, we stay with you end-to-end so nothing falls through the cracks.

3

Claims support for life

When you need to claim, our team helps you file, follow up and get paid — for as long as you hold the policy.

Talk to an advisor
Questions, answered

SME & Business FAQs

Even single-owner shops and small teams can be insured. We tailor cover to your size and budget rather than pushing enterprise policies you don't need.

Often yes, per person — and it's a strong retention benefit. The right structure depends on your team size and needs, which we'll work out with you.

Public liability covers physical injury or property damage to third parties. Professional indemnity covers financial loss from your advice or services. Many businesses need both.

Usually, yes — a business package combines property, liability and more. We compare bundled vs separate policies to find what's cheaper and simpler for you.

Yes. Business claims can be document-heavy, so our team helps you compile and follow up the claim until it's settled.

Get sme & business advice you can trust

Book a free, no-obligation call. We'll help you choose the right cover — and nothing you don't need.