your business. covered properly.
Six commercial insurance solutions on one panel. Shop, office, fire, marine, liability, employee group. Picked for offices, factories, warehouses, manufacturing units, traders, exporters, SMEs and startups — the business shapes where the founder's risk capital is in the building, the people, and the supply chain.
six solutions. one panel.
A commercial insurance portfolio isn't one policy — it's six covers stitched together so there are no gaps between them. Most SMEs end up with three out of six and discover the missing line during a claim. Here are the six the flyer puts under the umbrella.
Seven covers in one policy for retail premises — fire, theft, stock, equipment, money, employee compensation, public liability. Detailed page: shop insurance →
Cover for office building/contents, electronic equipment, public liability, employee group cover. For consulting firms, professional services, software companies, design studios, small offices.
Standard Fire and Special Perils policy for the structure + contents + business interruption. The core peril cover for any premises. Detailed page: fire insurance →
Cover for goods in transit by road, sea, air, rail or inland. Critical for manufacturers, traders, exporters, e-commerce. Detailed page: marine / transit →
Public liability (third-party injury / property damage on your premises), professional indemnity (errors and omissions in advice), product liability (defect in goods sold). Sized to your business risk profile.
Single master policy covering all employees for health, life, or personal accident. Often a hiring + retention tool, also a tax-deductible business expense. Premium scales with employee count + age mix.
six business shapes. all calibrated.
Commercial insurance isn't one-size-fits-all. The bundle for a 5-person consulting firm is different from the bundle for a 50-person manufacturing unit. Here's how the flyer's six SME profiles map.
Shop insurance bundle + public liability + employee compensation. Cash + stock + electronic equipment dominate the sum-insured. See shop insurance.
Office content + equipment + electronic equipment + public liability + employee group health. Building cover usually borne by landlord. Lighter on stock, heavier on liability.
Fire + machinery breakdown + business interruption + employee compensation + product liability. The four-cover backbone. Stock floater for raw + finished + WIP.
Fire + stock floater + burglary + public liability (for visitors / drivers). Marine cover for goods moving in/out. Lower employee count, lower employee-comp premium.
Marine cargo (specific + annual open policy) + warehouse fire + trade credit (separate) + employee group. Cross-border movement adds export specific endorsements.
Office contents + employee group health + professional indemnity + cyber liability (newer add-on). For tech and service startups where the people + IP are the assets.
Commercial insurance products are offered through funds to wealth., with Archita as a Point of Sales Person (POSP) of D2C Insurance Broking Pvt. Ltd. (RenewBuy), an IRDAI-licensed insurance broker. The actual policy contract is between you and the chosen insurer. Panel insurers include ICICI Lombard, HDFC Ergo, Bajaj Allianz, TATA AIG, SBI General, Reliance General, Chola MS, Acko, Digit, IFFCO-Tokio, Universal Sompo and others.
Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Each commercial line (fire, marine, shop, liability, employee group) has its own policy contract and underwriting. We bundle the handling at one desk but the legal contracts are line-by-line.
questions, answered.
If yours isn't here, ask on the call. We answer in plain English.
My business is small — do I really need all six covers?
You probably need 3-4 of the 6. Which ones depend on your shape: where your risk capital lives (building, stock, people, IP), how many employees, whether you move goods, whether you face third-party visitors. We don't sell you covers you don't need — we map the gaps.
How is commercial insurance different from individual covers?
Three differences: (1) sum-insured is bigger and tied to business value, not personal income. (2) tax treatment — premiums are a deductible business expense. (3) policy wordings are denser, with more exclusions and sub-limits. We translate the policy doc into plain English before you sign.
Can I buy these covers individually or do I need the umbrella?
Each is a separate policy contract; there's no single "commercial umbrella" policy in the Indian market. What we offer is panel breadth + a single point of contact across all six lines, so the covers work together without overlap or gaps.
What's product liability and do I need it?
Pays third-party claims if your product injures someone or causes property damage. Mandatory if you manufacture or import physical goods sold to consumers. Different from public liability (which covers your premises) and professional indemnity (which covers your advice). Sized to product risk class.
Cyber liability — should we add it?
If you handle customer data (PII, payment info, health info) — yes, increasingly worth it. Cyber liability covers breach response, regulatory fines under DPDP, data restoration. Premiums are still relatively cheap (₹15K-50K for SMBs). Not yet mandatory but the writing is on the wall.
Do I pay funds to wealth anything for this?
No. You pay only the premium, exactly as priced by the insurer — nothing extra for coming through us. Insurance is solicited via D2C Insurance Broking Pvt. Ltd. (RenewBuy), an IRDAI-licensed broker, and everything we do operates within IRDAI rules. The honest fine print is at /disclosures.
let's insure your business.
A 30-minute call. We'll map the six covers to your business shape, decide which lines you need and which you can skip for now, and pull three insurer quotes for the bundle.
got it. archita will call you.
Usually within 12 minutes during Mumbai work hours.
A confirmation is on its way to your email. If you don’t see it, check spam and add support@fundstowealth.com to your contacts.