Complete Business Protection for Small Enterprises
The Bharat Sookshma Udyam Suraksha Policy provides comprehensive coverage for commercial enterprises with assets up to ₹5 crore, protecting against multiple perils with built-in covers and special features.
Fire & Natural Disasters
Theft & Terrorism Coverage
Built-in Additional Covers
Up to ₹5 Crore Coverage
What is Covered Under Bharat Sookshma Udyam Suraksha Policy
Fire, including spontaneous combustion and natural heating
Explosion or implosion damage
Lightning strikes and electrical damage
Earthquake, volcanic eruption, and natural convulsions
Storm, cyclone, typhoon, hurricane, tornado, tsunami, flood
Landslide and rockslide damage
Built-in Covers Included
Special features included without additional cost
Additions, alterations, and extensions
Stocks on floater basis
Temporary removal of stocks
Start-up expenses coverage
Professional fees
Removal of debris costs
Municipal regulation compliance costs
What is Not Covered
Deliberate, wilful or intentional acts
Cold storage temperature change damage
War, invasion, warlike operations
Ionising radiation
Pollution or contamination
Missing or mislaid property
Consequential or indirect losses
Claim preparation costs and fees
Assets Covered
Buildings including basements, fixtures, garages, towers
Plant & machinery including spares and accessories
Stock including finished goods, raw materials, packing materials
Furniture, office equipment, computers, canteen equipment
Security systems and fire sprinkler systems
Electric installations and air conditioning systems
Assets Not Covered
Land
Money, securities, and valuable documents
Electronic data and software
Motor vehicles
Livestock
Personal belongings like jewelry
Outdoor trees, shrubs, and plants
Property under construction
Benefits of Bharat Sookshma Udyam Suraksha Policy
Comprehensive Coverage
Protects against fire, explosion, natural disasters, theft, and terrorism in one policy.
Financial Protection
Ensures financial stability and uninterrupted business operations for small enterprises.
Underinsurance Waiver
Special feature offering underinsurance waiver up to 15% of the sum insured.
Built-in Covers
Includes multiple built-in covers without additional endorsements or costs.
Policy Flexibility
Allows modifications during policy period for growing business needs.
Premium Calculation Factors
Premium is calculated based on multiple risk assessment factors
Nature of Insured Property (buildings, plant, stock, etc.)
Amount of Sum Insured (total value of covered assets)
Nature of Your Business (type and associated risks)
Risk Profile of Enterprise (location, construction, security measures)
Construction type and fire safety measures implemented
Previous claims history and risk mitigation practices
Why Choose Xtratrust for Bharat Sookshma Udyam Suraksha Policy
Expert guidance and comprehensive support for small business insurance
Policy Comparison – Compare options across multiple insurers for best rates
Expert Guidance – Specialized advice for small business insurance needs
Comprehensive Support – Assistance throughout policy period and claims
Tailored Solutions – Coverage customized for your business type and size
Trusted Partnership – Decades of experience in commercial insurance
Claim Settlement Support – Dedicated team to expedite claim processes
Frequently Asked Questions
Common queries about Bharat Sookshma Udyam Suraksha Insurance Policy
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