Comprehensive cover for startups, SMEs & enterprises. Fire, Liability, Cyber, Marine, Workmen's Comp & more — all under one roof. Zero commission, expert claims support.
Every risk your business faces — fully covered by India's top IRDAI-registered insurers.
Every business faces unique risks. We tailor coverage for your exact industry.
Scalable packages for every business size — micro enterprises to large corporates.
| Coverage Feature | Micro / Shop | SME Plan | Enterprise |
|---|---|---|---|
| Fire & Allied Perils | Up to ₹50L | Up to ₹5Cr | Unlimited |
| Burglary & Theft | Up to ₹10L | Up to ₹50L | Custom SI |
| Public Liability | Basic | Comprehensive | Full Suite |
| Workmen's Compensation | All employees | All employees | |
| Cyber Insurance | Basic | Advanced | |
| Group Health Insurance | Up to 50 emp | 500+ emp | |
| Professional Indemnity | Included | ||
| D&O Liability | Included | ||
| Business Interruption | Add-on | Add-on | Included |
| 24×7 Claims Support | Priority | ||
| Dedicated Advisor | |||
| Starting Premium | ₹3,500/year | ₹18,000/year | Custom Quote |
We handle all the paperwork and insurer communication — you just focus on running your business.
We compare quotes from India's top IRDAI-registered insurers to get you the best coverage at the lowest premium.
We compare policies from 20+ IRDAI-registered insurers — by coverage, premium, and claim ratio. No hidden agenda, no preferred insurer pushing.
Every business gets a dedicated advisor who understands your industry and designs a custom insurance architecture — not a generic off-the-shelf policy.
We don't just sell policies. We represent you during claims, follow up with the insurer, and ensure a fair, timely settlement without you lifting a finger.
Our service is completely free to you. You always get the insurer's direct rate — or better — through our volume pricing relationships.
We track all your policy renewal dates and proactively re-shop the market — so you're never uninsured and always getting competitive rates at renewal.
All policies are from IRDAI-registered insurers. We stay current with every regulatory change — your business coverage is always fully compliant.
Tell us about your business — our expert will analyse your risks, compare 20+ insurers, and present the best options within 24 hours. Zero obligation.
Workmen's Compensation Insurance is legally mandatory under the Employees' Compensation Act 1923 for businesses with workers in hazardous occupations. Third-Party Motor Insurance is mandatory for commercial vehicles. Other types (fire, burglary, liability) are not legally required but strongly advised. Some bank loans and government tenders also require specific insurance certificates before approvals.
Premium depends on: type and number of covers, sum insured (asset value), location and nature of business, industry risk category, claims history, and safety measures in place (CCTV, fire suppression, sprinklers). A retail shop fire policy typically costs 0.05–0.15% of sum insured annually. Cyber insurance for an IT company costs 0.2–0.5% of sum insured per year.
Yes! For GST-registered businesses, the 18% GST paid on business insurance premiums is available as Input Tax Credit (ITC) — subject to standard ITC conditions. This effectively reduces your net cost by 18%. Example: ₹10,000 premium + ₹1,800 GST = ₹11,800 paid; after ITC recovery, net cost is only ₹10,000. Consult your CA for business-specific guidance.
A Package Policy (SME Package or Office Package) bundles multiple covers — fire, burglary, liability, electronic equipment — into a single policy at a discounted combined premium. It is the recommended starting point for most small and medium businesses as it provides broad coverage under one document, simplifying renewals and reducing per-cover cost by 15–25%.
Business Interruption (BI) Insurance compensates for loss of gross profit and fixed expenses (rent, salaries, EMIs) while your business cannot operate due to an insured event like fire or flood. It is always sold as an add-on to a fire policy. The Indemnity Period (typically 12–24 months) is the maximum duration of BI coverage applicable.
Absolutely. Startup packages start from ₹3,500/year for basic fire and burglary coverage. Cyber insurance for an early-stage IT startup costs ₹8,000–15,000/year. Many investors require startups to have basic insurance before disbursing funds. A single cyber incident without coverage can financially destroy an early-stage company with just weeks of runway.
Typically required: Business registration/GST certificate, PAN card (company/firm), list of assets with values, business address proof, previous claims history (if any), and nature of business description. For group health, an employee census (name, age) is also needed. Car Spider handles the entire documentation and submission process for you — zero paperwork burden on your team.
For standard products (fire, burglary, package policies), a digital policy can be issued within 24–48 hours of premium payment. For complex risks (industrial, cyber above ₹1 Cr, D&O), an underwriting review takes 3–7 working days. Car Spider handles all insurer communication — your team doesn't need to follow up at all.