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SME Insurance: Protect Your Business

Comprehensive insurance for small and medium enterprises, covering property damage, liability, business interruption, and employee-related risks.

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What Is SME Insurance?

SME Insurance is a tailored solution for small and medium businesses, offering protection against risks such as property damage, third-party liabilities, business interruptions, and employee injuries. It ensures your business stays resilient against unexpected challenges.

Small business office

Why You Need SME Insurance?

Property Protection

Covers damage to business premises.

Liability Coverage

Protects against third-party claims.

Business Interruption

Compensates for lost income.

Employee Protection

Covers workplace injuries.

Peace of Mind

Run your business worry-free.

What Is Covered / Not Covered

Covered

  • Property Damage (Fire, Theft, etc.)
  • Third-Party Liability Claims
  • Business Interruption Losses
  • Employee Workplace Injuries
  • Equipment Breakdown

Not Covered

  • Intentional Damage
  • Wear and Tear
  • Non-Compliance Penalties
  • Employee Dishonesty
  • Uninsured Perils

Types of Coverage Available

Property Insurance

Covers business premises and assets.

Liability Insurance

Protects against third-party claims.

Business Interruption

Compensates for lost revenue.

Employee Coverage

Covers workplace injuries and claims.

Goods in Transit

Protects goods during transport.

Cyber Insurance

Covers data breaches and cyber risks.

Who Can Buy This Insurance?

Retail Businesses

Shops, boutiques, and retail stores.

Small Manufacturers

Small-scale production units.

Service Providers

Consultants, freelancers, and agencies.

Restaurants & Cafes

Food and beverage businesses.

Tech Startups

IT and tech-based small businesses.

Logistics Businesses

Small transport and delivery firms.

How to Buy / Apply

Step 1: Share Details

Provide business and risk details.

Step 2: Select Plan

Choose coverage for your business.

Step 3: Get Quote

Compare plans and finalize policy.

Step 4: Pay & Receive

Pay online and get policy instantly.

Claim Process

Step 1: Notify Insurer

Inform us about the business claim.

Step 2: Submit Documents

Provide invoices, reports, and proofs.

Step 3: Claim Review

Claim assessed by our expert team.

Step 4: Claim Payout

Receive approved claim amount.

Frequently Asked Questions

Is SME Insurance mandatory?

No, but it’s highly recommended to protect your business from unforeseen risks.

Does it cover business interruption?

Yes, it compensates for lost income due to covered disruptions.

Can I customize my SME policy?

Yes, you can tailor coverage to your business’s specific needs.

Does it cover cyber risks?

Yes, cyber insurance can be included to cover data breaches and cyber threats.

What’s the minimum premium?

Premiums vary based on business size, industry, and coverage. Get a quote for exact pricing.

Contact & Support

Customer Care

Call us at: +91 8827275975

Email Support

Reach us at: support@apsinsurancevia.com

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