Bharat Sookshma Udyam Suraksha Policy starting ₹530/year*
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Zero

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Quick Claim

Process

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Affordable

Premium

Terms & conditions apply*

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Bharat Sookshma Udyam Suraksha Policy Online

What’s covered under Digit’s Bharat Sookshma Udyam Suraksha policy?

The insurance policy offered by Digit offers coverage for loss or damage to property under the following

Due to fire or natural calamities

Property on Fire

Physical losses caused to the insured property because of fire which includes spontaneous combustion or due to natural calamities like earthquake, storm, flood, landslides etc. are covered under the policy.

Explosion

Due to explosion/implosion

Damage caused to the property or its contents due to explosion or implosion is covered by the insurance policy.

Impact damage

Impact damage

Damage caused to the property due to impact or collision with any external physical object like vehicle, wall, falling trees etc. is covered by Digit’s Bharat Sookshma Udyam Suraksha policy. 

Riot

Due to riots, strikes, missile testing operations

Physical damage to the property which is caused due to riots, strikes, and missile testing operations are covered under the policy.

Thief in House

Theft

The policy also offers coverage for theft reported within 7 days from occurrence and proximately caused by any of the covered insured events.

What’s not Covered?

Digit’s Bharat Sookshma Udyam Suraksha policy does not offer coverage for -

Loss or damage caused by burning of insured property by order of any public authority.

Damage caused to boilers, economizers or other vessels in which steam is generated because of explosion/implosion or caused by centrifugal forces.

Destruction caused to the insured property by normal cracking, settlement of new structures, movement of made-up ground, river erosion, use of defective materials, etc.

Damage caused by vehicle, aircraft or animal that belong to or owned by the Insured or because of pressure waves caused by aircraft or aerial devices travelling at sonic or supersonic speeds.

Destruction caused by total or partial cessation of work or the retardation/interruption/cessation of any process/operations/omissions.

Physical loss caused by temporary/permanent dispossession of any building by unlawful occupation by any person.

Defects in the construction known to you or repairs/alterations in the building or repairs, removal, or extension of any sprinkler installation.

Factors affecting premium of Bharat Sookshma Udyam Suraksha policy

The payable premium of Bharat Sookshma Udyam Suraksha policy depends on factors like -

Nature of business

The premium which you need to pay for the policy depends on the nature of the business. The payable premium for the policy will be high based on the nature of business.

Sum Insured

The amount of sum insured also impacts the premium you need to pay for availing a policy of Bharat Sookshma Udyam Suraksha policy. A high sum insured will result in a higher premium.

Risk profile of the enterprise

The risk profile of the enterprise also plays an important part when the premium is calculated. If the profile of the enterprise is highly risky, the payable premium will be high and vice versa.

FAQs about Bharat Sookshma Udyam Suraksha in India