SME Insurance services
What is SME Insurance?
Ganesh Consultancy understands the unique challenges faced by Small and Medium Enterprises (SMEs) and offers comprehensive SME Insurance solutions tailored to protect their business interests. Our range of SME Insurance covers various aspects crucial to SMEs, including property insurance to safeguard physical assets like office spaces, equipment, and inventory against risks such as fire, theft, and natural disasters. We also provide liability insurance, shielding businesses from legal claims and compensation costs arising from third-party injuries or property damage caused by business operations.
SME Insurance
Types of Commercial Insurance
Marine Insurance
Protects against loss or damage of cargo, vessels, and terminals during transit by sea, air, or land.
Fire Insurance
Covers damage or loss caused by fire, lightning, explosion, and related perils to buildings, machinery, equipment, and stocks.
Machinery Brekdown
Provides coverage for sudden and unforeseen physical damage to machinery and equipment used in business operations.
Engineering Insurance
Offers comprehensive coverage for construction and operational risks related to projects, including civil engineering works and machinery installations.
SME Insurance
Advantages of SME Insurance
Professionally Managed
Ganesh Consultancy provides SME Insurance that is professionally managed to ensure optimal coverage and risk management.
Liquidity
Our SME Insurance plans offer liquidity, allowing businesses to access funds quickly in times of need.
Returns
Enjoy competitive returns with Ganesh Consultancy's SME Insurance, designed to help businesses grow and thrive financially.
Affordability
We offer SME Insurance that is affordable and tailored to meet the financial capabilities of small and medium enterprises.
Diversification
Benefit from diversified risk coverage through our SME Insurance solutions, safeguarding your business against various risks.
Well Regulated
Rest assured knowing that Ganesh Consultancy's SME Insurance is well regulated, complying with all regulatory standards to ensure transparency and reliability.
Key Highlights
Marine Insurance
- Coverage for Physical Loss or Damage: Marine insurance offers safety against physical loss or damage to goods and vessels throughout transit. This insurance is important for agencies engaged in international exchange, mitigating the monetary effect of unexpected events.
- Customizable Policies: Policies can be customised to suit the specific needs of customers.
- Various Modes of Transport: Marine insurance isn't always restricted to sea delivery on my own. It also covers transport by rail, road, postal, courier, air.
- Worldwide Coverage: Reflecting the global nature of goods transport. Businesses could have peace of thoughts knowing that their property are blanketed irrespective of the geographical scope in their operations.
Key Highlights
Fire Insurance
- Covers Property Damage: A fire insurance policy covers the repair and replacement costs of movable and immovable property in case of a fire. Property types covered under a fire insurance plan include furniture, buildings, plant and machinery, fixtures, fittings, and stock.
- Business Interruption: For commercial policies, it can include coverage for lost income and operating expenses during repair or rebuilding.
- Coverage for Natural Calamity or Other Perils: Fire insurance policies cover other perils like Flood, Earthquake, Storm, Flood, Inundation, Cyclon and other natural perils, malicious damage, land subsidence, impact damages, natural disasters.
- Human Hazards: Troubled times can affect your business and your peace of mind. But we make sure you protect your commercial property against:Riots, Strikes, Terrorism, Malicious damage.
Key Highlights
Business Insurance
- A Security / Protection is Created on Day 1 With a Relatively Small Investment.
- Employees and Vendors Would Be Assured About Buoyancy of Business.
- Business Can Claim Tax Benefits Under Section 37(1) Towards the Premiums Paid*
- Business Will Not Be Affected Financially in Case the Key Person’s Eventuality.
- This Would Enable Banks and Other Creditors to Maintain Their Confidence.
Key Highlights
Engineering Insurance
- Comprehensive Coverage: Offers broad coverage for various risks associated with construction, engineering, and machinery operations to name the few risks are Testing, Commissioning, Act of God Perils, Handling risk etc
- Third Party Liability: Covers personal injury or property damage to the third party in construction sites and adjacent areas caused by the accident that directly relates to the insured project.
- Financial Protection: Provides financial security against costly repairs, replacements, or project delays resulting from covered incidents.
- Extended Maintenance cover: In addition to the protection provided under the maintenance visits cover, this cover also includes loss or damage occurring during the maintenance period but caused during the erection period on the construction site.
Type of Employee Benefit Insurance
Group Health Insurance
- Group Coverage: Provides coverage for a group of individuals under a single policy, typically at lower premium rates compared to individual health insurance.
- Preventive Care Services: Includes coverage for preventive care services such as vaccinations, health screenings, and wellness programs to promote overall health and well-being.
- Comprehensive Benefits: Offers comprehensive medical coverage, including hospitalization, doctor consultations, diagnostic tests, prescription drugs, and other healthcare services.
- Network Providers: Utilizes a network of healthcare providers, hospitals, and medical facilities to offer discounted rates and streamlined claims processing.
Type of Employee Benefit Insurance
Workmen's Compensation Insurance
- Multiple Location Cover: PAN India location coverage if you’ve operations in more than one location
- Death/Disability Benefits: It covers Accidental death, Permanent total or Partial Disability and Temporary total disability suffered at the workplace during working hours
- Medical/Hospitalization Benefit: Expenses incurred on medical treatment / surgeries will reimburse up to mentioned limit if Medical cover is obtained in policy.
- Legal Compliance: Helps employers meet legal requirements, as workmen's compensation insurance is mandatory in many jurisdictions.
Type of SME Insurance
Group Personal Accident Insurance
- Accidental Death Benefit: Provides a lump-sum payment to the insured’s beneficiaries in the event of the insured’s death due to an accident.
- Temporary Total Disability Benefit: Provides weekly benefits to the insured for a specified period if they are temporarily unable to work due to covered accidental injuries.
- Permanent Disability Benefit: Offers compensation for permanent total disability or permanent partial disability resulting from covered accidents.
- Medical ExpEnses Coverage: Reimburses the insured for medical expenses incurred as a result of covered accidents, including hospitalization, surgery, and rehabilitation costs.
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