Business Insurance

Term, health, and vehicle insurance — what to buy, what to avoid, and how to get the best coverage without overpaying.

• Fire Insurance for Shops & Small Businesses in India 2026: What Bharat Sookshma Udyam Suraksha Actually Covers — Most shopkeepers assume a fire that guts their stock is a total loss with no recourse — while a mandated IRDAI policy sitting unsold at nearly every insurer could have replaced the building, the stock, and the fittings at reinstatement value. Here's what it covers, what it costs, and where owners under-insure without knowing it.
• Professional Indemnity Insurance in India (2026): Who Actually Needs It and What It Costs — A client alleging your advice cost them money is enough to end a practice — the legal defence alone can run into lakhs before anyone decides who's right. Outside a couple of IRDAI-regulated professions, nobody in India is legally required to carry professional indemnity insurance — which is exactly why most don't, until a client contract finally demands proof of it.