See all plans

Kshema Bharat Sookshma Udyam Suraksha

A Kshema product
kshema blue green leafs pattern

The Kshema Bharat Sookshma Udyam Suraksha policy provides comprehensive protection to micro enterprises from losses due to unforeseen risks.

  • Tailored for micro businesses 
  • Affordable premiums with customisable add-ons. 
  • Protect your Buildings, Plants, Machinery and other contents 
Get a quote
Policy documents
Illustration showing Kshema Bharat Laghu Udyam Suraksha related to insurance coverage

Why Choose Kshema Bharat Sookshma Udyam Suraksha? 

Comprehensive Coverage

Protects your business assets from various perils.

Quick & Hassle-Free Claims

A seamless claims process for your convenience.

Affordable Premiums

Get extensive protection at affordable rates.

Customizable Add-ons

Enhance your policy with tailored add-on covers.

Protect your assets from

Illustration showing landslide related to insurance coverage
Subsidence & Landslide
Illustration showing explosion implosion related to insurance coverage
Explosion & Implosion
Illustration showing missile testing operations related to insurance coverage
Missile testing operations
Illustration showing lightning related to insurance coverage
Lightning
Earthquake
Earthquake
Illustration showing riot and strike related to insurance coverage
Riot and strike
Illustration showing storm tsunami flood etc related to insurance coverage
Storm, Tsunami, Flood etc.
Illustration showing theft related to insurance coverage
Theft (within 7days)
Impact Damage
Impact Damage
Illustration showing acts of terrorism related to insurance coverage
Acts of terrorism
Illustration showing busting or overflowing related to insurance coverage
Bursting or overflowing
Illustration showing bush fire related to insurance coverage
Bush Fire
Illustration showing leakage of automatic related to insurance coverage
Leakage of Automatic Sprinklers Installation
Illustration showing fire related to insurance coverage
Fire

Policy Documents

1. Prospectus
View
2. Proposal Form
View
3. Policy Wordings
View
4. Customer Information Sheet
View
5. FAQ's
View

Frequently Asked Questions

‘Value at Risk’ at any one location means the value of all property in that location including Buildings, Fittings and Fixtures, Plant and Machinery, Stocks, other contents etc where the proposer has insurable interest.
There is no provision in the policy to exclude Inbuilt Perils.
In these products, under insurance is waived up to 15%, but beyond that under insurance is applicable to full extent.
At the request of the insured, Sum insured under the policy can be increased / decreased subjected to payment of premium.
There is an option to increase the coverage by the means of add-ons.
During mid-term, there will be no impact on policy wording due to Sum Insured increase. However, at the time of renewal, applicable policy wording as per sum insured will be selected while policy issuance.
Upon occurrence of an Insured peril, these are the costs incurred by insured (on actual basis) at the time of Reinstatement of property due to change in Municipal Regulations.
Impact damage of any kind means damage caused by impact, or collision caused by, any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.).It is similar to the traditional accidental damage.
Floater is an inbuilt cover under this policy.
Losses / damage due to theft will be covered within 7 days from occurrence of an Insured peril.
Presently, Sum Insured limits of inbuilt covers are fixed as per IRDA guidelines.
‘Top Location’ will be the maximum ‘Value at Risk’ at a location.
Yes, both are same as per product wordings.

Partial Selection of asset is not allowed. The policy allows cover for complete value of plant and machinery, Stocks and FFF at the risk premise.

Plinth and Foundation cannot be excluded.

Extension of short period policy is not possible, however annual policy can be issued on completion of short period.

No, change in deductible is not permissible.

Goods held in trust are deemed to be covered, unless specified.

This product is meant for all risks (except dwellings) in India where the total ‘Value at Risk’ is up to ₹ 5 Crore across all insurable asset classes at any one location at the commencement of the insurance cover.

The option cover under this policy is Declaration cover for Stocks.

Looking for personalised recommendations to choose the best insurance solution that fits your needs?

Request a
callback now!

  • Coverage for homes, shops, and small businesses.
  • Policies that safeguard against fire, lightning, and allied perils.
View other plans