Robust Protection for Growing Businesses
The Bharat Laghu Udyam Suraksha Policy is designed for property owners, tenants, lessees, and trustees with assets valued between ₹5-50 crore, providing comprehensive coverage for buildings, plant & machinery, and stock.
₹5-50 Crore Coverage
Buildings & Structures
Plant & Machinery
Stock Protection
Who is Eligible to Purchase This Policy?
Eligibility criteria for Bharat Laghu Udyam Suraksha Policy
Property owners with insurable interest
Tenants with leasehold rights
Lessees of commercial properties
Purchasers under agreement
Trustees managing property assets
Assets valued between ₹5-50 Crore
What is Covered Under Bharat Laghu Udyam Suraksha Policy
Buildings and structures including all fixtures
Plant and machinery for business operations
Stock and business-related assets
Built-in Covers Included
Comprehensive built-in features without additional cost
Additions, alterations, or extensions
Temporary removal of stocks
Specific contents (money, documents, computer data, personal effects)
Start-up expenses coverage
Professional fees
Costs for removal of debris
Costs compelled by municipal regulations
Assets Covered
Buildings with basements, fittings, fixtures, garages, towers, security sheds
Internal roads, lifts, air conditioning, security & electric installations
Fire sprinkler systems and safety equipment
Plant and machinery, spares, and accessories
Stock including raw materials, semi-finished goods, finished goods
Furniture, office equipment, computers, canteen equipment
Assets Not Covered
Unspecified bullion or unset precious stones
Curios or works of art unless specifically declared
How Does the Bharat Laghu Udyam Suraksha Policy Help?
Financial coverage for physical loss, damage, or destruction of insured property
Costs associated with repairs, reinstatement, or reconstruction
Business continuity support during recovery periods
Professional assistance for claim documentation and processing
Benefits of Bharat Laghu Udyam Suraksha Policy
Comprehensive Protection
Complete coverage for buildings, machinery, and stock against unforeseen risks.
Financial Security
Covers physical loss, damage, or destruction with repair and reconstruction costs.
Built-in Features
Multiple built-in covers including professional fees and debris removal costs.
Scalable Coverage
Designed for growing businesses with assets valued between ₹5-50 crore.
Flexible Eligibility
Available to owners, tenants, lessees, purchasers, and trustees.
Premium Calculation Factors
Premium is determined based on comprehensive risk assessment
Nature of the insured property (buildings, plant, machinery, stock)
Sum insured amount based on asset valuation
Nature of business and associated risk levels
Risk profile factors including location and construction type
Security measures and fire safety installations
Previous claims history and risk mitigation practices
Why Choose Xtratrust for Bharat Laghu Udyam Suraksha Policy
Comprehensive support and expertise for medium-scale business insurance
Expert Guidance – Specialized advice for medium-scale business insurance needs
Better Premium Rates – Competitive rates through comparison across insurers
Claim Settlement Assistance – Dedicated support throughout the claims process
Dedicated Customer Support – Ongoing assistance for policy management
Policy Customization – Tailored coverage based on business requirements
Risk Assessment – Professional evaluation of your business risk profile
Frequently Asked Questions
Common queries about Bharat Laghu Udyam Suraksha Insurance Policy
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