Trusted IRDAI-Certified
Insurance Partner
Provides fire and allied perils coverage for small and medium enterprises protecting business assets.
What’s Covered
Bharat Laghu Udyam Suraksha Policy safeguards small and micro enterprises against loss or damage to property, stock, machinery, and business premises. It helps business owners maintain financial stability, recover quickly from unforeseen events, and ensure continuity of operations in a competitive market.
Protects business property and assets against fire, explosions, lightning, and riots. This ensures enterprises can repair, rebuild, or replace damaged property without major financial strain after unexpected events.
Covers damage due to floods, storms, earthquakes, or other natural disasters. The policy helps small businesses recover quickly, protecting operations and supporting business continuity.
Provides coverage for loss or damage caused by theft, burglary, or housebreaking at business premises. This ensures financial protection against criminal activity affecting stock, equipment, or other valuable assets.
Covers damage or breakdown of machinery, tools, and equipment critical to business operations. This enables enterprises to resume activities quickly and avoid extended downtime.
Provides compensation for revenue loss due to temporary closure or operational disruption caused by covered events. This helps businesses manage cash flow during recovery.
Includes guidance for filing claims, documentation, and dispute resolution. Advisory support ensures smoother settlements and timely recovery, reducing administrative burden for small business owners.
Covers financial losses from fire, natural disasters, and accidents.
Ensures recovery for stolen or damaged goods efficiently.
Reduces downtime due to repair or replacement costs.
Minimises disruption from unforeseen events or accidents.
Provides security against unexpected operational and asset risks.
Tailored policies based on business type, size, and risk.
How to Buy
Assess MSME property and asset risks, compare Laghu Udyam coverage options, share business details, finalize limits, and activate compliant protection smoothly with expert guidance and efficient policy issuance services nationwide.
Instant & personalised
No impact on credit score
No hidden fees
Identify buildings, plant, machinery, stock values, occupancy, and location risks accurately.
Review fire and allied perils cover, exclusions, deductibles, premiums, and policy terms.
Provide business profile, asset values, premises details, safety measures, and claims history.
Confirm terms, complete payment, receive policy documents, and start coverage immediately.
Faq’s
Small and micro enterprises, shop owners, manufacturers, and service providers should opt for this policy. It safeguards property, stock, machinery, and operations, ensuring financial protection and continuity in the face of accidents, natural calamities, or theft.
Coverage includes fire, natural disasters, theft, machinery breakdown, business interruption, and legal support. Claims are processed according to policy terms to protect enterprise assets and ensure smooth recovery.
No, it is not legally mandatory. However, it is highly recommended for small enterprises to protect assets, maintain financial stability, and ensure uninterrupted operations in case of unforeseen events.
Yes, most policies include coverage for stock, inventory, machinery, and business equipment, subject to declared values and policy terms, ensuring critical operational assets are financially protected.
Yes, policies can be tailored based on business type, size, asset value, and risk exposure. Customisation ensures small enterprises receive relevant protection aligned with operational needs and financial priorities.
Disha Capital Insurance Brokers Pvt Ltd
Head Office : 404-A, 43 Chiranjiv Tower, Nehru Place, New Delhi – 110019
Contactus@dishainsurance.com
9319222734
