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Business Insurance

Protect your business, assets, and employees from financial losses, liabilities, and operational risks with dependable coverage.

Know What It Is?

What Does Business Insurance Mean?

Business insurance is a contract that provides financial protection to companies against losses arising from fire, theft, legal liabilities, employee injuries, natural disasters, and operational disruptions. By paying premiums, the insurer covers damages to assets, supports liability claims, and helps maintain business continuity as specified in the policy, ensuring overall stability.

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Choose What Works for Your Business

Types of Business Insurance Policies You Can Buy

When buying business insurance, it’s important to choose policies that safeguard your company from major financial, legal, and operational risks.

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Property Insurance

Covers damage to office buildings, equipment, or inventory from fire, theft, or disasters.

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Liability Insurance

Protects your business from third-party injuries, property damage, and legal claims.

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Group Health Insurance

Provides medical coverage for employees and their families through employer-sponsored plan.

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Workers’ Compensation Insurance

Covers employees’ medical expenses and wages after work-related accidents or injuries.

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Cyber Insurance

Protects your business from cyberattacks, data breaches, hacking, and digital financial losses.

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Business Interruption Insurance

Covers loss of income when business operations stop due to insured disruptions.

Key Features & Benefits

Why Choose Shreshta for Your Business Insurance?

Protect your business with Shreshta’s tailored coverage, expert support, and dependable risk management.

Protection for business assets

Third-party liability cover

Employee protection benefits

Cyber risk coverage

Plans for all businesses

Steps to File a Claim

How to File a Business Insurance Claim

We’re here to help you restore operations smoothly with a simple, transparent, and hassle-free claim process.

Notify the Insurer Immediately

Inform the insurer about the loss, accident, theft, or damage as soon as it occurs.

Submit Documents & Proof

Provide the claim form, policy details, invoices, photos, and business-related proof of loss.

Claim Processing & Settlement

The insurer inspects the damage, verifies documents, and settles the claim as per policy terms.

Got Questions?

Frequently Asked Questions About Business Insurance

Have doubts about business insurance? We’re here to help. Explore essential questions about mandatory coverage, premium calculation, customizations, exclusions, and protection benefits to safeguard your company with confidence.

Not all business insurance policies are mandatory. However, certain covers like Workers’ Compensation for employee safety and Motor Insurance for company-owned vehicles are legally required. Other types of business insurance, such as property, liability, or cyber insurance, are optional but highly recommended to protect your business from financial and operational risks.

Business insurance generally excludes intentional damage, routine wear and tear, fraud committed by employees or internal parties, and losses arising from war, nuclear events, or illegal activities. Some policies may also exclude high-risk operations unless specifically added as optional coverage or riders.

Yes. Business insurance is available for all types of enterprises—startups, small businesses, SMEs, and large corporations. Insurers offer flexible and affordable plans that cover essential risks like property damage, employee protection, cyber threats, and liability claims. Many plans can be purchased online with minimal documentation.

Premiums are determined by several factors such as the type of business, size of operations, number of employees, value of assets, industry risk level, claim history, and coverage selected. High-risk businesses like manufacturing or logistics may have higher premiums due to greater exposure to operational hazards.

Yes. Under Property Insurance or Business Interruption Insurance, damages caused by natural disasters like floods, earthquakes, cyclones, or fires are generally covered. These policies help businesses recover quickly by covering repair costs, asset replacement, and income loss due to operational downtime.

Absolutely. Business insurance is highly customizable. Companies can combine multiple covers such as property, liability, cyber, employee health, and machinery breakdown into a single modular plan. Customization helps ensure tailored protection based on your industry, risk exposure, and business needs.
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