Trusted IRDAI-Certified
Insurance Partner
A fire. A flood. A single night of damage. For small businesses, that’s often the difference between growth and closure. The Bharat Sookshma Udyam Suraksha Policy protects everything built—from inventory to infrastructure—so recovery isn’t a gamble.
What's covered
The Bharat Sookshma Udyam Suraksha Policy provides insurance cover for business property up to ₹5 Crore in total asset value at one location. It pays for physical loss, damage, or destruction of buildings, plant and machinery, stock, and other business assets caused by unexpected insured events during the policy period.
Covers physical loss or damage to building, plant and machinery, furniture, fixtures, stock, and other business assets due to insured perils such as fire, explosion, earthquake, flood, storm, riot, impact damage, and terrorism.
Includes cover for additions and alterations up to 15%, stock on a floater basis, temporary removal of stock up to 10%, professional fees up to 5%, debris removal up to 2%, and start-up expenses up to ₹1 Lakh.
Provides limited protection for money up to ₹50,000, documents up to ₹50,000, computer data up to ₹5 Lakh, and personal effects of employees and visitors, as defined under policy terms.
Covers theft within 7 days of an insured peril, provided the theft directly results from that event and meets the conditions stated in the policy wording.
Buildings, plant and machinery, furniture, and contents are covered on a reinstatement value basis, while stock is covered based on landed cost, input cost, or manufacturing cost, depending on its stage.
The policy allows a 15% margin if asset value is slightly under-declared, helping prevent proportional claim reduction for small valuation differences.
Specifically built for businesses with assets up to ₹5 Crore at one location.
Uniform IRDAI wording reduces ambiguity across insurers.
15% valuation margin helps prevent minor underinsurance reductions.
Supports asset restoration without major financial strain.
Automatic covers reduce the need for multiple add-ons.
Fixed excess and clear conditions improve claim clarity.
How to Buy
The Bharat Sookshma Udyam Suraksha Policy India applies to businesses with total insurable assets up to ₹5 Crore at one location. Disha Capital Insurance Brokers helps assess asset valuation, confirm eligibility, and structure compliant property damage protection.
MSME Eligibility Review
Accurate Asset Valuation Support
Claims Guidance Assistance
Verify that total insurable assets at one location do not exceed ₹5 Crore.
Declare building, plant and machinery, stock, and contents on a reinstatement value basis.
Provide premises address, asset breakup, security measures, and prior claims history.
Confirm terms, complete payment, receive policy documents, and start coverage.
Faq’s
The Bharat Sookshma Udyam Suraksha Policy is meant for micro and small businesses whose total insurable asset value at one location does not exceed ₹5 Crore. If assets exceed this limit, a different standard product applies.
The policy covers physical loss or damage to buildings, plant and machinery, furniture, fixtures, and stock caused by insured perils such as fire, explosion, earthquake, flood, storm, riot, impact damage, and terrorism.
The ₹5 Crore limit refers to the total insurable value of all covered assets at one insured location. If the total asset value crosses ₹5 Crore, the business must opt for another applicable property policy.
If the declared Sum Insured is slightly lower than the actual reinstatement value, underinsurance up to 15% is ignored. This helps avoid proportional claim reduction for small valuation gaps.
Buildings, plant and machinery, and contents are settled on a reinstatement value basis. Stock is settled based on landed cost, input cost, or manufacturing cost, depending on its stage at the time of loss.
In case of loss, the insured must immediately inform the insurer, submit the claim form with supporting documents, and cooperate with the appointed surveyor. A standard excess of ₹5,000 applies per claim.
No. This is a standard IRDAI-defined product with uniform coverage terms across insurers. While the Sum Insured can be adjusted up to ₹5 Crore, the core structure and coverage conditions remain fixed.
Disha Capital Insurance Brokers Pvt Ltd
Head Office : 1404-A, 43 Chiranjiv Tower, Nehru Place, New Delhi – 110019
Contactus@dishainsurance.com
+918796708683
