Insurance by Six Finance
Business Insurance Plans
Safeguard your business operations
Instant QuotesCashless ClaimsBest Premiums24/7 Support
Business Insurance
Choose Your Plan
Compare business insurance plans from top insurers and find the perfect coverage for your needs.
Loading plans…
India 2026
Business Insurance Policy Online in India 2026
Buying business insurance online in India has never been easier. With digital platforms like Six Finance, you can compare plans, complete digital KYC, and receive your policy document — all within minutes.
100% Digital Process
No branch visits required. Complete everything from your phone or laptop with digital KYC verification.
Instant Policy Issuance
Get your insurance policy issued instantly after document verification and payment confirmation.
IRDAI Regulated
All policies sold through Six Finance are issued by IRDAI-regulated insurers, ensuring full legal validity.
Learn
Understanding Business Insurance in India
Everything you need to know about how business insurance works, why it matters, and its key benefits for you.
Insurance is a financial contract between you (the policyholder) and an insurance company (the insurer). In exchange for a regular premium payment, the insurer agrees to provide financial compensation in case of specified losses, damages, illness, or death.
In simple terms: You pay a small amount regularly so that when something unexpected happens — an accident, illness, or damage — you don't have to bear the entire financial burden yourself. Insurance provides a safety net for you and your family.
Insurance works on the principle of risk pooling — many people contribute premiums into a common pool, and those who face covered events receive payouts from this pool. This spreads the financial risk across a large group of people.
Features
Key Features of Business Insurance Policies in India
Property Protection
Business premises, stock, and equipment covered against all risks.
Liability Cover
Legal and compensation costs for third-party injury on premises.
Employee Protection
Workmen compensation and group health insurance for your workforce.
Business Interruption
Lost profit and fixed costs covered during forced operational shutdowns.
Machinery Breakdown
Sudden breakdown of plant and machinery covered for repair costs.
Explore More
Business Insurance — Explore Related Plans
Find the right coverage by exploring related insurance products tailored to your needs.
Business Insurance
Comprehensive cover for all business risks under one commercial plan.
Workmen Compensation
Mandatory statutory cover for employee injuries on duty.
Contractors All Risk
Protection for construction projects against all on-site risks.
Plant & Machinery
Cover for construction and industrial equipment in transit and on-site.
Group Health Insurance
Attract and retain talent with employee health benefits.
Policy Types
Types of Business Insurance Policies
Understanding the different policy types helps you choose the right level of coverage for your needs.
Fire & Property
Covers business premises from fire, flood, and natural perils.
General Liability
Third-party bodily injury and property damage liability protection.
Workmen Compensation
Statutory employee injury and occupational disease cover.
Machinery Breakdown
Sudden and unforeseen machine failure leading to production losses.
Business Interruption
Loss of gross profit during shut-down caused by an insured peril.
Six Finance
Why Choose Business Insurance by Six Finance?
Experience a smarter way to buy insurance — built for speed, transparency, and trust.
Fast Policy Issuance
Complete your purchase in under 5 minutes. Instant digital policy delivered to your email and WhatsApp.
Best Premium Comparison
Compare premiums from 20+ insurers side-by-side. Find the most affordable plan that suits your budget.
Trusted Insurers
We partner only with IRDAI-licensed insurers including ICICI Lombard, HDFC ERGO, Bajaj Allianz, and more.
Easy Claim Support
Dedicated claim assistance team to guide you through the entire claim process from filing to settlement.
Secure Online Platform
Bank-grade encryption and secure payment gateways protect your personal and financial information.
Rate Guide
Business Insurance Premium Guide
Indicative annual premiums for common commercial covers. Final premium depends on business type, turnover, location, and risk profile.
| Cover Type | Coverage Limit | Indicative Annual Premium |
|---|---|---|
| Fire & Property (SME) | ₹50 Lakh asset value | ₹5,000 – ₹12,000 |
| General Liability | ₹25 Lakh indemnity | ₹8,000 – ₹18,000 |
| Workmen Compensation | 10 employees | ₹4,000 – ₹10,000 |
| Business Interruption | 6-month gross profit | ₹6,000 – ₹15,000 |
| Machinery Breakdown | ₹25 Lakh machinery | ₹3,500 – ₹9,000 |
| Package Policy (SME) | All covers combined | ₹18,000 – ₹45,000 |
* Indicative premiums before GST (18%). Manufacturing, chemicals, and high-risk industries attract significantly higher rates.
Premium Factors
How Business Insurance Premium is Calculated
Multiple factors influence the premium you pay. Understanding them can help you optimize your insurance costs.
Business Type & Industry
Manufacturing, retail, IT, and construction businesses have different risk profiles affecting premium rates.
Annual Turnover
Higher business turnover implies greater asset value and liability exposure, leading to higher premiums.
Number of Employees
Workmen compensation and group health premiums are directly tied to the size of your workforce.
Business Location
Urban, high-risk, or disaster-prone locations attract higher commercial property and liability premiums.
Coverage Scope & Add-ons
Broader coverage inclusions like business interruption, machinery breakdown, and D&O add to the premium.
Example
Understand Business Insurance Premium Structure with Example
Here's how a typical business insurance premium is broken down — SME Business Package — Retail Shop, ₹50L Asset Value, 10 Employees.
Premium Breakdown
SME Business Package — Retail Shop, ₹50L Asset Value, 10 Employees
Fire & Property Premium₹6,000
Workmen Compensation Premium₹3,200
Public Liability Premium₹1,500
Business Interruption Add-on₹1,800
Net Premium₹12,500
GST @ 18%₹2,250
Total Payable Premium₹14,750
Renewal
Benefits of Renewing Business Insurance Online
Skip the paperwork and renew your policy in minutes from anywhere. Here's why digital renewal is the smarter choice.
Uninterrupted Operations
Policy lapse exposes business to uncovered losses — renew on time.
Update Asset Values
Revise property and stock sum insured at renewal to avoid under-insurance.
Add New Employees
Include new team members in workmen compensation and group health.
Review Claims History
Analyse past claims and adjust coverage gaps at each annual renewal.
Quick Online Renewal
Commercial policy renewed in minutes via Six Finance platform.
Ready to Get Insured?
Compare plans, get instant quotes, and buy insurance online in minutes. Protect what matters most — today.