A lifetime of work.
Protected in minutes.
A single fire, flood, or lawsuit can wipe out years of hard work. Secure your assets, stock, and liabilities with India's top business insurance plans.
500+
Businesses Protected
₹50Cr+
Claims Settled
Protection snapshot
SME Asset Coverage
Up to ₹5 Crore
Covers physical premises, stock, inventory, and machinery breakdown.
Business interruption losses covered.
Public & employer liability included.
Why Every Business Needs Insurance
A robust insurance policy ensures that one bad day doesn't mean the end of your enterprise.
Fire & Flood Cover
Protect your premises, stock, and machinery from fire, lightning, floods, and natural disasters.
Theft & Burglary
Covers loss of cash, stock, and equipment due to break-ins, burglary, and employee dishonesty.
Liability Protection
Covers legal costs if a customer or third-party sues your business for injury or property damage.
Employee Protection
Workmen's compensation cover for employee injuries — legally mandatory for most manufacturing businesses.
Manual Quotation
We do the work.
You get the best cover.
Unlike automated aggregators that push generic policies, we manually compare plans from India's Top 11 Business Insurers and explain every clause before you sign — so claims are never a surprise.
- Free risk assessment for your business
- Doorstep service anywhere in Kolkata
- Zero hidden broker fees
Get Your Business Covered
Tell us about your business. We'll send you the best plan in hours.
Choose the Right Plan
From a single shop to a large factory — we find the policy that fits your exact risk profile.
For Retail
Shop & Office Package
Custom Quote
Perfect for retail shops, offices, and small establishments needing fundamental protection.
- Fire & allied perils cover
- Burglary & theft protection
- Public liability cover
- Electronic equipment cover
Smart Choice
SME Package Policy
Custom Quote
All-in-one protection for small and medium enterprises covering all major business risks.
- Assets up to ₹5 Crore covered
- Stock & inventory protection
- Machinery breakdown cover
- Business interruption cover
For Factories
Corporate Business
Custom Quote
Comprehensive multi-risk cover for larger businesses, warehouses, and manufacturing units.
- Property damage & fire
- Workmen's compensation
- Product & public liability
- Marine & transit cover
What Business Owners Say
Real feedback from SMEs and shop owners we've helped protect in Kolkata.
"Policy Total helped me get a proper SME package for my warehouse. When we had a minor fire incident, the claim was settled within 10 days. Excellent service."
Rajesh Agarwal
Owner, Agarwal Textiles
"I had no idea my shop needed public liability insurance. The team explained everything clearly and got me covered at a much lower premium than I expected."
Priya Mehta
Director, Mehta Electronics
"They compared 6 different insurers for my business policy and saved me almost ₹18,000 on premium while increasing my stock cover. Highly recommend."
Mohammed Siddiqui
Proprietor, Siddiqui Trading
Our Commercial Partners
We compare commercial plans across India's top insurers to protect your business at the best premium.
TATA AIG
Best for SME
4.9/5
User Rating
ICICI Lombard
Fast Claim Settlement
4.8/5
User Rating
HDFC ERGO
Wide Coverage
4.8/5
User Rating
Bajaj Allianz
Corporate Plans
4.7/5
User Rating
New India
Govt. Backed
4.7/5
User Rating
SBI General
Affordable Premiums
4.6/5
User Rating
Frequently Asked Questions
Is business insurance mandatory in India? +
Business insurance itself is not legally mandatory, but Workmen's Compensation insurance is mandatory under the Workmen's Compensation Act 1923 if you employ workers. Commercial vehicle insurance is also compulsory by law.
What does an SME Package Policy cover? +
An SME Package Policy covers fire and allied perils, burglary, machinery breakdown, public liability, money cover, and personal accident for proprietors — all under a single policy with a sum insured up to ₹5 Crore.
Does business insurance cover business interruption losses? +
Yes. Business Interruption cover compensates for lost revenue and ongoing fixed expenses if your operations are halted due to a covered event like fire or flood. It's one of the most critical and underused covers for SMEs.
Can I insure my stock and inventory? +
Absolutely. Stock and inventory can be insured against fire, flood, theft and transit damage. The premium is calculated based on the declared value of stock at risk.
What is public liability insurance for a business? +
Public liability covers your legal costs and compensation if a customer or third-party suffers injury or property damage on your premises or due to your business activities.
Protect Your Business Today
Doorstep service in Kolkata. We compare, explain and help you choose the right cover — completely free of charge.