Bharat Sookshma Udyam Suraksha (BSUS)
A standardised property insurance solution designed for eligible businesses falling within the applicable value-at-risk criteria.
Small Commercial
Protect Your Business. Cover What Matters Most.
Simple, affordable insurance solutions that protect your shop, office or small business against everyday risks. Tailored to your needs, so you can focus on running and growing your business.
Business Property Protection
Stock & Contents Protection
Business Interruption Protection
What Is Small Commercial?
Understanding Small Commercial
Small Commercial Insurance protects eligible small businesses against accidental loss or damage to insured property, including premises, stock, contents and equipment, with solutions structured around the size, nature and requirements of the business.
What Does It Cover?
- Business premises and property
- Stock, contents and equipment
- Accidental physical loss or damage
- Burglary and theft-related risks, where opted
- Business interruption following covered property damage
Example:
If a small business suffers accidental damage to its premises and stock, the appropriate Small Commercial insurance solution can help cover the insured loss or damage. Where Business Interruption cover is selected, eligible financial losses arising from the interruption may also be covered, subject to the policy terms.
Coverage Components
Comprehensive Protection At Every Level
Bharat Laghu Udyam Suraksha (BLUS)
A standardised property insurance solution for eligible businesses with higher value at risk, subject to eligibility and policy terms.
Burglary Protection
Protection against eligible loss or damage arising from covered burglary-related events, where the cover is selected.
Business Interruption Protection
elps address eligible financial losses from interruption following covered property damage, subject to selected cover, sum insured and policy terms.
Additional Extensions
Relevant extensions can be incorporated based on the selected product, business activity, insurer and risk profile.
Advisory Support
Protect Yourself Before Risk Finds You
Every business has different assets, operations and risks. We help you identify the right protection as your needs change.
- 1.
Risk Assessment & Needs Analysis
We understand your business operations, property, assets and key risk exposures to identify the appropriate protection.
- 2.
Policy Design & Placement
Our specialists structure the right product, coverage and limits based on your requirements and place the policy with suitable insurers.
- 3.
Policy Documentation & Support
We coordinate policy documentation, schedules, endorsements and other requirements to ensure a smooth placement.
- 4.
Dedicated Claims Advocacy
Our claims team supports you through claims, coordinating with insurers and other stakeholders from notification to resolution.
- 5.
Annual Policy Review & Renewal
Annual reviews help ensure that your coverage continues to reflect changes in your business, assets and insurance requirements.
Ready To Explore Small Commercial?
Protect your business with a Small Commercial insurance solution tailored to your needs.
Frequently Asked Questions
Answers to Common Insurance Queries
The assessment should consider premises, contents, stock, business interruption, third-party liability and operational exposures rather than treating property as an isolated risk.
Occupancy directly affects underwriting, applicable hazards, exclusions, pricing and insurer appetite, particularly where hazardous materials or specialised activities are involved.
Equirus Raghnall evaluates the business activity, premises, asset values, stock, liability exposures and operational characteristics before selecting suitable coverage.
The risk information is validated against occupancy, asset schedules and policy requirements before quotation to minimise discrepancies during underwriting or claims.
