Business Indemnity Insurance
Financial protection for businesses against third-party claims, professional mistakes, and legal expenses.
Maximum Coverage
Up to ₹1 Crore
Premium From
₹1,499/month
4.5/5 Rating
Key Features
Public Liability Coverage
Protection against claims for bodily injury or property damage to third parties.
Professional Indemnity
Coverage for errors, omissions, or negligence in professional services.
Employers Liability
Protection for employee injury claims with full legal support.
Legal Defence Costs
Includes legal representation and defence expenses for covered claims.
Worldwide Coverage
Extended coverage available for international business operations.
Fast Claims
Quick claim settlement with dedicated support throughout the process.
What's Covered
Inclusions
- ✓Bodily injury to third parties
- ✓Property damage liability
- ✓Professional mistakes or negligence
- ✓Employee injury (employers' liability)
- ✓Legal defence and court costs
- ✓Settlement amounts
- ✓Medical expenses (for third parties)
- ✓Emergency response costs
- ✓Contractual liability (where applicable)
Exclusions
- ✗Intentional or criminal acts
- ✗War or terrorism-related incidents
- ✗Contractual liability (unless specified)
- ✗Pollution-related damages
- ✗Product liability (separate cover available)
- ✗Employment practices liability
- ✗Directors & Officers liability
- ✗Prior known incidents
- ✗Claims from non-compliance with laws
Who Needs Indemnity Insurance?
Consultants & Advisors
IT & Tech Companies
Contractors & Engineers
Retail & Hospitality
Professional Services
Manufacturing & Distribution
Claim Process
Notify Insurer
Report the incident within policy timeframe
Submit Documents
Provide incident details and supporting evidence
Assessment
Insurer reviews claim and investigates if needed
Settlement
Approved claim is settled quickly
FAQs
What is the difference between public and professional indemnity?
Public liability covers third-party bodily injury or property damage; professional indemnity covers claims arising from professional services or advice.
Can limits be increased or customised?
Yes, limits can be tailored to your business needs and risk profile at proposal or renewal.
Does it cover intentional acts?
No, indemnity policies exclude deliberate or criminal acts. Coverage is for accidental or negligent acts.
How quickly are claims settled?
Most claims are assessed within 10-15 days and settled within 30 days, subject to documentation.
Ready to Protect Your Business?
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