A ₹10 lakh fire.
A ₹4 lakh cheque.

It applies to every claim. Not just a total loss.

This is the part owners get wrong. A burst pipe, a small fire, a partial theft — the same proportion comes off every settlement, and each item is tested separately, so being right on the building never rescues the stock.

It's Clause F of the standard MSME fire policies, in wordings IRDAI publishes itself. The regulator's own example: ₹50 lakh of stock destroyed, 16.67% underinsurance, settled at ₹41.67 lakh. Read the full explainer →

The gaps a schedule never shows you.

Property is the one owners think about. These are the ones that end businesses.

One breaks the ice. One puts a number on it.

Both carry your name, your number and your credentials, and both land the result in your WhatsApp. Nothing is sold on either screen and no insurer or product is named.

Twenty-six lines, mapped to your practice.

Set what you actually place in the app, and your website, reports and reading material follow — a fire-and-marine broker never has to explain mutual funds.

Articles that start the call.

Written for the business owner, not the broker. Share one and let it do the explaining.

More on the way — business interruption, stock declaration policies, workmen's compensation, contract cover requirements and cyber under the DPDP Act. All articles →

Same two plans. No commercial surcharge.

Commercial lines are included in the plan you already have — nothing extra to buy, and the first client report is free either way.