Can I insure against business interruptions?

Yes. Business interruption insurance covers lost income from closures or disasters. InsurDeck tailors plans for your needs.

Are property, equipment, or stock losses covered?

Asset protection plans cover damage, theft, and accidents across office, warehouse, and fleet assets.

Is cyber insurance relevant for my business?

Cyber risk coverage defends your data, digital assets, and systems. Small businesses need this protection too.

Does compliance insurance help with regulatory needs?

Yes—compliance-friendly insurance reduces risk exposure and meets legal requirements for your sector.

Because Every Business Has a Story Worth Protecting

Running a business is more than profits—it’s about dreams, late nights, and people who depend on you. But one accident, dispute, or unexpected twist can shake it all.

That’s why InsurDeck stands by you. We don’t push policies; we decode them. From safeguarding your shop or factory to protecting your employees and future plans, we create insurance strategies that fit your world—clear, cost-smart, and stress-free.

So whether you’re selling veggies in your neighbourhood or scaling your brand across cities, we’re here to keep your journey safe.

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Stronger Businesses Start with Protection

Insurance isn’t just about protection—it’s about keeping your business dreams alive through every twist and turn

Safeguard What You’ve Built

Your shop, office, or warehouse holds more than things—it holds your hard work. We help shield your space, equipment, and stock from damage, theft, or disasters, so you don’t lose sleep (or money).

Cut Through Legal Roadblocks

One lawsuit or claim can derail years of effort. With the right cover, you’re protected from legal surprises—be it accidents, negligence, or operational mishaps—so you can keep moving forward with confidence.

Keep Business Running, Rain or Shine

From power cuts to supply disruptions, business interruptions are real. We ensure cash flow support when operations hit a pause—helping you bounce back quickly instead of starting from scratch.

Our Comprehensive Coverage Areas

In today's dynamic business environment, proactive risk management is key. Business insurance acts as your crucial safeguard, ensuring continuity and stability.

Insurance Built Around Your Business, Not the Other Way Around

Every business faces risks. The right protection turns risks into resilience—and resilience into growth. Our tailored insurance solutions safeguard your people, property, and future so you can focus on what matters: building your business

Property Protection

Shields your office, warehouses, and equipment from fire, theft, or natural disasters—so your assets stay safe, always

Employee Care

Offer health, life, and disability cover to your team—because taking care of them means they’ll take care of your business.

Business Interruption Cover

Keeps your income flowing if operations are halted by unexpected events like fire, floods, or lockdowns.

Liability Shield

Covers you against third-party claims, lawsuits, or damages—protecting both your finances and reputation.

Sector-Specific Coverage

Tailored protection for your industry, whether you’re in manufacturing, tech, retail, or healthcare.

Cyber Risk Protection

Defends your business from data breaches, hacking, and online fraud—because digital threats are real.

Your business deserves more than a generic plan

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We’ll help you choose smart protection without the jargon

Benefits of Partnering with InsurDeck

Your business isn’t just numbers on a spreadsheet — it’s your late nights, your team’s hard work, your dream taking shape. At InsurDeck, we make sure a single twist of fate never takes that away. Here’s how we help you build, protect, and grow — confidently.

Your Assets, Secured – Always

A small fire, a burglary, or a legal claim — one hit can wipe out years of effort. We design custom shields for your investments, so even on your worst day, your business stays standing strong.

Protect What You’ve Built

Growth Without Fear

Big contracts, new locations, bold decisions — all need confidence. By reducing your risk exposure, we let you invest and scale without constantly looking over your shoulder.

Plan Your Next Move Safely

Safer Teams, Stronger Business

Employees aren’t just “resources” — they’re family. We help you keep your people safe and supported, with policies and risk planning that turn your workplace into a secure, thriving environment.

Ask Us About Employee Safety

Stress-Free Policy Management

Tired of chasing paperwork and worrying about lapses? Our simple, guided process means no missed renewals, no claim delays, no stress — just clear, on-time protection.

Simplify My Policies

Your Reputation, Untouchable

One lawsuit, one viral post — and trust can vanish overnight. With tailored liability protection and fast claims support, we help you keep your brand’s name spotless and your customers loyal.

Secure Your Brand Image

Compliance Without Headaches

Indian business regulations can be a maze. We help you stay compliant effortlessly, avoiding penalties and focusing on growth instead of legal scares.

Stay 100% Compliant

Our Customized Plan Process

InsurDeck's simple, step-by-step approach ensures you get the exact coverage your business needs, without the complexity.

1 Understand Your World

We don’t start with forms or quotes — we start with you. Your business story, your goals, and your risks. Whether you’re a solo entrepreneur or running a growing enterprise, we dig deep to understand what truly needs protecting.

2 Design Your Perfect Fit

There’s no “one-size-fits-all” here. Based on what we learn, we build a coverage plan as unique as your business — one that keeps you protected without paying for fluff you don’t need.

3 Activate, Fast

Once you’re happy with the plan, we handle the heavy lifting. Quick activation, zero confusion, and clear guidance so your protection kicks in without delay.

4 Partner for the Long Haul

Our job doesn’t end after setup. Think of us as your ongoing risk advisor — ready to update your coverage as your business grows, simplify claims when needed, and keep you ahead of potential risks year after year.

Ready to Protect Your Business, Your Way?

Unforeseen risks shouldn’t derail your growth. Partner with InsurDeck to create a customized insurance strategy that shields your business — and your peace of mind.

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Smart Coverage Starts Here: Your Free Business Insurance Quote

Safeguard your business against risks with the right coverage at the right price. From startups to established enterprises, InsurDeck tailors policies to fit your needs perfectly.

Don’t Buy Travel Insurance Before Reading This

“My shop has been running smoothly for years—do I really need business insurance?” is one of the most common questions we hear at InsurDeck.

The truth: risks don’t send a warning. A single fire, burglary, or customer injury claim can wipe out years of effort. In India, many businesses—even established ones—end up paying losses from their own pocket because they believed insurance was optional.

Here’s what you should know before deciding:

Covers fire, burglary, natural disasters, and accidental damages to property.

Can include liability protection—if a customer or supplier sues you.

Employee cover (workmen compensation) shields you if staff get injured on duty.

Some policies cover loss of profit if operations stop due to damage.

IRDAI ensures that insurers disclose inclusions/exclusions—so you’re not caught in fine print.

💡 Think of business insurance as keeping a backup generator. Even if power cuts are rare, the one time it happens, your work doesn’t stop.

👉 At InsurDeck, we don’t just suggest “standard packages.” We assess your shop, factory, or office risks and design a right-sized cover—so you don’t under-insure or overpay.

📦 Did You Know?

In 2024, around 40% of Indian businesses experiencing fire or burglary losses had no insurance, forcing many to shut down permanently. Those with proper cover were able to recover quickly and resume operations.

Chat With InsurDeck About Your Business Risks

“If a customer slips in my store and sues me, will I really be liable?” is a fear most business owners ignore—until it happens.

The truth: in India, liability claims are growing. From food poisoning in restaurants to faulty product complaints, compensation demands can run into lakhs of rupees.

Here’s what you should know:

Public Liability Insurance covers third-party injury or property damage.

Product Liability protects manufacturers if a defect harms a customer.

Even service providers (IT, consultants) can face claims for errors or negligence—covered under Professional Indemnity.

Courts can order both damages + legal fees, which insurance can cover.

💡 Think of liability cover as a seatbelt. You hope never to use it, but if you crash, it saves you.

👉 At InsurDeck, we analyze your business risks and recommend the right liability cover. We decode legal jargon so you know exactly what’s protected—and what’s not.

📦 Did You Know?

Nearly 30% of Indian businesses face legal claims annually, yet many operate without liability insurance, risking hundreds of thousands in compensation.

Speak to an InsurDeck Advisor About Lawsuits & Claims

“My office is in a modern building—do I really need fire insurance?” many business owners ask.

The truth: fires don’t wait for perfect conditions. In India, cities report over 50,000 fire incidents annually (NCRB data). Even modern buildings are vulnerable to electrical short circuits, kitchen fires, or warehouse accidents.

Here’s what you should know:

Fire insurance covers furniture, equipment, stock, and building damage.

Can extend to earthquake, flood, and storm under Standard Fire & Special Perils Policy.

Banks often mandate fire insurance before giving loans for factories/warehouses.

IRDAI requires all fire policies to be standardized, so no insurer can dilute cover.

💡 Fire cover is like a helmet. Just because you haven’t had an accident doesn’t mean you skip it.

👉 At InsurDeck, we map your premises, machinery, and stock, ensuring no critical asset is left uninsured.

📦 Did You Know?

A fire can destroy your assets in under 10 minutes. Most businesses think it won’t happen to them, but even modern offices and warehouses are at risk.

Get a Free Fire Risk Assessment From InsurDeck

“If my staff member gets injured at work, won’t ESIC cover it?”

The truth: ESIC applies only to certain employees and salary brackets. Many workers—especially in SMEs—are not covered, leaving the employer responsible for medical bills or compensation.

Here’s what matters:

Workmen Compensation Insurance pays for medical costs, disability, or death benefits.

Covers legal liability of employers under the Workmen’s Compensation Act, 1923.

Protects even temporary, contractual, or daily-wage staff.

Builds employee trust—knowing their employer has their back.

💡 Think of this cover as a safety net for your team. You protect your people, and they protect your business.

👉 At InsurDeck, we review your workforce structure and recommend affordable covers that keep you legally compliant while protecting employees.

📦 Did You Know?
Indian courts have awarded ₹20+ lakhs to families of injured workers—directly payable by employers without insurance.

Talk to Us About Affordable Workmen Cover

“If my shop is closed due to a fire, won’t my losses stop at property damage?”

The truth: the biggest hit is your lost income while repairs are ongoing. Rent, salaries, EMIs, and supplier payments don’t pause just because your business does.

Here’s what you should know:

Covers loss of profit when operations stop due to fire, flood, or other insured perils.

Can extend to fixed costs like rent, staff salaries, and utilities.

Usually taken along with fire/property insurance for full protection.

💡 Think of it like travel delay cover. Missing the flight isn’t just about the ticket cost—it’s the business opportunities you lose.

👉 At InsurDeck, we analyze your business cycle and recommend coverage for realistic downtime, so you don’t underestimate recovery time or overspend.

📦 Did You Know?

Every day your business is closed, you lose more than just revenue—it can snowball into months of costs. Business interruption insurance ensures you keep paying bills without draining your pocket.

Talk to InsurDeck About Covering Business Downtime

“I’m a small business—hackers won’t target me, right?”

The truth: cybercriminals prefer SMEs because defenses are weaker. A single phishing attack, ransomware demand, or data leak can halt operations overnight and drain lakhs.

Here’s what you should know:

Covers data breaches, ransomware attacks, IT system recovery costs.

Pays for legal liabilities if customer data is stolen or misused.

Protects even online sellers, consultants, and service providers.

IRDAI mandates that policies clearly disclose coverage limits and exclusions.

💡 Think of cyber insurance as antivirus for your balance sheet.

👉 At InsurDeck, we simplify affordable cyber covers for SMEs, so you don’t buy a corporate-style plan that doesn’t fit your scale.

📦 Did You Know?

One in three Indian SMEs faced a cyberattack last year. Most had no cover.

Talk to InsurDeck About Cyber Cover

“I already have CCTV—do I still need burglary insurance?”

The truth: CCTV records theft but doesn’t recover stolen stock. Burglary insurance protects your money and assets if thieves strike.

Here’s what you should know:

Covers loss of stock, equipment, or cash due to burglary or robbery.

Some policies also cover damage to premises during break-ins.

Essential for retail shops, warehouses, and jewelers.

💡 Think of burglary cover as a financial lock. Even if thieves break the physical one, your money stays safe.

👉 At InsurDeck, we guide retailers and SMEs on low-cost burglary add-ons to protect high-value stock.

📦 Did You Know?
Nearly 60% of Indian SMEs face asset theft annually, yet most operate without any insurance, risking major financial losses.

Chat With InsurDeck About Burglary Cover

“Do I really need to offer health insurance to my staff?”

The truth: employee health benefits are no longer optional. After COVID-19, employees expect coverage for hospitalization, critical illness, and family health. Businesses that ignore this risk higher absenteeism, lower productivity, and difficulty retaining staff.

Here’s what you should know:

Covers hospitalization, surgery, maternity, and critical illnesses for employees (sometimes including their family).

Premiums are tax-deductible for businesses under Section 37 of the Income Tax Act, reducing overall cost.

Policies are flexible for small teams—even 7–10 employees can be covered.

IRDAI mandates transparency, so inclusion/exclusion details must be clearly disclosed.

Can be bundled with employee wellness programs or maternity benefits for higher retention.

💡 Think of group health insurance like workplace WiFi. It’s expected today, and having it boosts morale, trust, and productivity.

👉 At InsurDeck, we customize group health plans for SMEs, calculating the right sum insured per employee and ensuring no hidden exclusions. We make coverage easy to understand so HR or owners don’t get lost in fine print.

📦 Did You Know?
Over 45% of Indian SMEs don’t offer health insurance, leaving staff vulnerable. Businesses that provide coverage see up to 30% lower absenteeism and higher employee loyalty.

Talk to InsurDeck About Affordable Group Health Plans

“If my goods are shipped with a transporter, won’t they be liable for damage?”

The truth: in India, transporters’ liability is limited and rarely covers the full value of goods. Without insurance, losses during road, rail, or sea transport—including theft, accidents, or mishandling—can be financially crippling.

Here’s what you should know:

Covers loss or damage of goods while in transit, both domestic and international shipments.

Protects against theft, fire, collision, or natural disasters during transport.

Essential for retailers, wholesalers, manufacturers, exporters, and importers.

IRDAI requires insurers to disclose coverage limits, exclusions, and claim processes clearly.

Policies can include additional services, such as cargo relocation, emergency logistics, and expedited claims support.

💡 Think of cargo insurance as bubble wrap for your business revenue. Even if the physical goods are damaged, your financial investment remains protected.

👉 At InsurDeck, we help you map your supply chain, determine the right coverage type, and select policies that minimize both downtime and out-of-pocket losses.

📦 Did You Know?
Over 25% of businesses shipping goods in India report loss or damage in transit each year, yet most operate without proper insurance, exposing themselves to major financial risk.

Talk to InsurDeck About Cargo Insurance

“There are so many business insurance options—how do I know which is right for me?”

The truth: buying the wrong policy can leave your business under-insured or overpaying. Every business has unique risks, and a one-size-fits-all plan rarely works.

Here’s what you should know:

Assess your assets, employees, operations, and supply chain to identify real risks.

Decide on mandatory covers (fire, theft, liability, employee compensation) vs optional covers (business interruption, cyber, cargo).

IRDAI ensures policy terms, limits, and exclusions are disclosed—so compare carefully before committing.

Check indemnity periods, sum insured, waiting periods, and any pre-existing condition clauses.

A risk-based approach helps you balance protection and cost, avoiding under-insurance or unnecessary premiums.

💡 Think of choosing the right cover like tailoring a suit. Off-the-rack may fit roughly, but a tailor-made solution fits perfectly and protects exactly where needed.

👉 At InsurDeck, we review your business structure, past claims, and risk exposure to create a customized insurance plan. We guide you through IRDAI-compliant options, compare policies, and make sure you understand every clause before buying.

📦 Did You Know?
Many Indian businesses overpay by 20–30% or remain under-insured simply because they choose policies without expert guidance. Proper advisory can save money and prevent gaps in coverage.

Compare Policies With Expert Guidance Today

Business Insurance Questions
We Hear Every Day

Can I insure against business-related legal expenses?

Yes. Businesses often face unexpected legal costs from contract disputes, regulatory compliance issues, or employment matters, and these can be financially draining. InsurDeck reviews your operations and regulatory exposure to recommend insurance that protects your finances from surprise legal fees, ensuring you stay focused on running your business.

Are project-specific or event-based risks insurable?

Yes. Short-term projects, product launches, exhibitions, or construction projects can be insured against accidents, cancellations, or operational losses. InsurDeck creates custom, temporary policies so your specific projects are protected without paying for long-term coverage.

Can family members be covered under one travel insurance plan?

Yes. Indian insurers offer family floater travel policies, covering spouse and dependent children under one sum insured. We compare individual vs floater plans so you save money without reducing coverage.

Is inventory spoilage or stock depreciation covered?

Yes. Policies can cover perishable goods, stock obsolescence, or machinery-related spoilage, which can otherwise cause major revenue loss. InsurDeck helps assess your inventory types and operational risks and suggests coverage that keeps your stock and profits safe.

Can I insure my business against technological failures?

Yes. Businesses relying on IT systems, cloud services, or machinery can cover system failures, data loss, or operational downtime. InsurDeck evaluates your technology and operational dependencies to recommend policies that protect critical systems and keep your business running smoothly.

Can I buy travel insurance after starting my trip?

Most Indian insurers require you to buy before departure. A few allow mid-trip purchase, but past incidents won’t be covered. We know which insurers allow mid-trip cover and help you apply quickly if you forgot earlier.

Can I protect my brand or reputation from business risks?

Yes. Reputational risk insurance safeguards against negative publicity, online defamation, or PR crises that can damage your brand value. InsurDeck identifies potential reputation threats and recommends coverage options that help you respond effectively and protect your brand’s credibility.

Are import/export businesses covered for regulatory or customs issues?

Yes. Insurance can protect against losses, fines, or penalties due to customs delays or compliance problems during import/export operations. InsurDeck guides you through India-specific risks and recommends policies that ensure smooth, uninterrupted cross-border business.

Does travel insurance cover adventure sports by default?

No. Standard policies exclude extreme sports like skydiving, scuba, skiing. You need a special add-on or adventure plan. We clarify which insurers accept your activity as recreational vs hazardous—so you don’t get claim shocks later.