Bharat Griha Raksha
Standard home insurance for your house structure and contents against fire and allied perils.
Fire & Property Insurance
Your building, stock & machinery, protected
A fire, flood or break-in can shut a business overnight. We help shops, godowns, factories and homeowners across Haryana insure buildings, machinery and stock for the right value, and handle the survey and claim when it counts.
- Standard fire policies for businesses of every size
- Add burglary, machinery breakdown and loss of profit
- Survey and claim coordination after a loss
Enquiry received
Thank you. An advisor will call you within 4 business hours (Mon–Sat, 9 AM – 7 PM). Want to talk sooner?
Types of Cover
Policies for every property
Standard fire products in India are defined by IRDAI and cover a common set of perils. The right one depends on the value at risk.
Bharat Sookshma Udyam Suraksha
For businesses whose total insured assets at one location are up to ₹5 crore. Ideal for shops and small units.
Bharat Laghu Udyam Suraksha
For businesses with insured assets above ₹5 crore and up to ₹50 crore at one location.
Fire & Special Perils
For larger risks above ₹50 crore, with customisable cover and wordings.
Burglary & Theft
Protects stock, goods and fittings against burglary and house-breaking, often added to a fire policy.
Business Interruption
Loss of profit cover: pays for lost gross profit and fixed costs while you rebuild after an insured fire loss.
Know Your Cover
What's covered, what's not
A general guide. Exact cover depends on the insurer and plan, and we walk you through the policy wording before you buy.
Usually covered
- Fire, lightning, explosion and implosion
- Storm, cyclone, flood and inundation
- Earthquake, subsidence and landslide
- Riot, strike and malicious damage
- Impact damage from vehicles, aircraft and falling objects
- Bursting or overflowing of water tanks and pipes, and leakage from sprinklers
- Terrorism (available as an add-on)
Usually not covered
- Loss from wear and tear or gradual deterioration
- Theft during or after an insured peril (unless burglary cover is added)
- Under-insurance: if the sum insured is below actual value, claims may be reduced proportionately (IRDAI standard products allow some tolerance)
- War, nuclear risks and deliberate acts by the insured
- Consequential loss such as lost profits, unless business interruption cover is bought
- Unoccupied premises beyond the period allowed in the policy
Add-ons
Round out your cover
A fire policy is the foundation. These covers fill the common gaps for businesses.
Machinery Breakdown
Sudden mechanical or electrical breakdown of plant and machinery.
Electronic Equipment
Computers, CNC machines, medical and electronic equipment against accidental damage.
Money Insurance
Cash in transit to the bank and cash in safe on your premises.
Plate Glass & Signage
Accidental breakage of glass fronts and damage to neon signs and hoardings.
Public Liability
Injury to customers and visitors or damage to their property at your premises.
Shopkeeper's Package
Fire, burglary, money, glass and liability combined in one simple policy for shops.
Claims
After a fire or loss, act fast
Early steps decide how smoothly a property claim goes. We'll be there from day one.
Secure & inform
Make the site safe, call the fire brigade / police as needed, and inform us immediately at +91 93067 50032.
Intimate the insurer
We register the claim right away. Don't dispose of damaged goods until the surveyor has inspected.
Survey & assessment
We attend the survey with you, help prepare the claim bill and stock records, and answer surveyor queries.
Settlement
We follow up with the insurer on the final survey report and settlement, including on-account payments where possible.
Keep Handy
Documents usually needed for a claim
Insurers may ask for more depending on the case. We'll give you the exact list for your claim.
- Policy copy and claim form
- Fire brigade report (fire claims)
- FIR (burglary, riot or malicious damage)
- Photos and videos of the damage
- Stock registers, purchase invoices and GST returns
- Books of accounts / balance sheets for stock and profit claims
- Repair / replacement estimates and invoices
- Meteorological report (storm / flood, if asked)
FAQs
Fire & Property Insurance questions
How should I decide the sum insured?
Buildings are usually insured at reinstatement value (cost to rebuild), and stock at its market value. Insuring too low can reduce your claim, so we help you work out realistic values.
Does a fire policy cover flood damage?
Yes. Standard fire policies in India include storm, cyclone, flood and inundation as named perils, which is important in areas that face waterlogging during monsoon.
My stock value changes through the year. What can I do?
Options like a floater policy or a declaration policy let you pay premium on actual average stock values. We'll recommend what suits your business cycle.
Does the fire policy cover burglary?
No, burglary needs a separate burglary policy or add-on. Many businesses combine them, or buy a package policy.
Is my home loan property already insured by the bank?
Banks often require property insurance but it may cover only the structure, and only up to the loan amount. Check the sum insured and whether contents are covered; we can review it for you.
Get your property properly insured
Tell us what you want to cover and its approximate value. We'll get quotes from multiple insurers.