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कमर्शियल इन्श्युरन्स

प्रोपर्टी इन्श्युरन्स

PropertyInsurance
कोटेशन मिळवा

महत्त्वाची वैशिष्ट्ये

Shield Your Business With Robust Property Coverage

Coverage Highlights

Get comprehensive coverage for your business

  • सर्वसमावेशक कव्हरेज

Covers businesses against fire, explosion, and natural calamities for damage to buildings, property, stock, contents, fittings, fixtures, and plant machinery

  • Financial Protection for Enterprises

Empowering enterprises with financial protection against unexpected troubles

  • Wide Range of Options

Multiple policy options to choose from as per your unique business needs

Types of Property Insurance Policies

Choose the policy best suited for your unique requirements

  • Bharat Sookshma Udyam Suraksha

Suitable for MSME's with risk value upto INR 5 crs per location

  • Bharat Laghu Udyam Suraksha

Suitable for MSME's with risk value from INR 5 crs upto INR 50 crs per location

  • Standard Fire & Special Perils Poliicy

Named Peril Policy suitable for all types of risk having sum insured above INR 50 crs

  • Industrial All Risk

All Risk cover suitable for industrial risks having sum insured above INR 50 crs

  • Many more

Property miscellaneous policies such as Burglary & Theft, Money etc. which compliments the above policies

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Offices

Shops

Shops

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Industrial Units

Offices

#ForwardKaroCare

Protect your Property, Safeguard your Assets

Tailored protection for your business needs—because each business is unique!

Offices

Offices

Shield your office assets with customized coverage and swift claims
Shops

Shops

Secure your shop with personalized coverage
Industrial Units

Industrial Units

Protect your industrial unit with custom coverage

प्रोपर्टी इन्श्युरन्स

COMPREHENSIVE COVERAGE FOR YOU

स्टँडर्ड फायर अँड स्पेशल पेरिल्स पॉलिसी

  • Cover against Fire & Allied Perils
  • Structure & Content Covered
  • Protection for every risk
अधिक माहिती घ्या

Bharat Laghu Udyam Suraksha

  • Suitable for MSMEs
  • Standardized coverage
  • Risks from INR 5 crs to INR 50 crs
अधिक माहिती घ्या

BestSeller

Bharat Sookshma Udyam Suraksha

  • Suitable for MSMEs
  • Standardized coverage
  • Risks upto INR 5 crs
अधिक माहिती घ्या

Affordable Property Insurance for Everyone

Industrial All Risk

All Risk Cover suited for Industrial Risks

IndustrialAllRisk

More Property Policies

Other Property Insurance Policies

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Why Bajaj Allianz?

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सर्वसमावेशक कव्हरेज

Protects against fire, flood and many other risks in one policy

Customisable Plans

Tailor-made solutions to suit different business needs
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Fast & Hassle-Free Claims

Efficient claim settlement with minimal documentation

Risk Mitigation Services

Expert guidance on loss prevention and business continuity

24/7. कस्टमर सपोर्ट

Round-the-clock assistance for policyholders

पॉलिसी दस्तऐवज डाउनलोड करा

Get instant access to your policy details with a single click.

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ब्रोशर
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पॉलिसी मजकूर
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प्रपोजल फॉर्म
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Claims Form
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कस्टमरची माहिती
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Trusted Risk Advisor

Mobile Self Risk Assessment

PRIME Inspection app helps to evaluate quality of your property (Shop, Office, Plant or Others) having SI upto INR 50 crs. It is simple to navigate having multiple Q & A designed for client

Instant Generation of Risk Report

It helps Provide Risk Recommendations, Risk Quality Rating (RQR), Peer Comparison & GAP Analysis for the client

Start Your Journey

Frequently Bought Together

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Group Mediclaim Insurance

  • Secure your Employee's Health & Wellness
  • Hassle Free Cashless Setllements

Group Personal Accident Insurance

  • Secure Peace of Mind for your employees
  • Financial support for employees against accidental injuries, disabilities and death

Marine Open Policy

  • One policy, multiple shipments, zero hassle
  • Ensure seamless transit coverage all year round with one policy—no hassles, no interruptions

Commercial General Liability

  • Shields against liability due to third party bodily injury & property damage
  • Pays defense costs and fees

Step-by-Step Guide

To help you navigate your insurance journey

खरेदी कसे करावे

  • 0

    Visit the Bajaj Allianz General Insurance website

  • 1

    Fill in the lead generation form with accurate details

  • 2

    Get quote, make payment and receive the policy documents

आत्ताच खरेदी करा

How to Renew

  • 0

    Contact the Policy Issuing Office

  • 1

    Review expiring policy and share necessary details

  • 2

    Receive renewal quote

  • 3

    Make renewal payment

  • 4

    Receive the renewed policy documents via email

लगेच रिन्यू करा

How to Claim

  • 0

    Contact us through our customer service touchpoints

  • 1

    Submit the claim form along with the necessary documents

  • 2

    Provide details of the incident and any supporting evidence

  • 3

    Cooperate with the claims investigation process

  • 4

    Receive the claim settlement as per the policy terms

Claim Now

अधिक माहिती घ्या

  • 0

    For any further queries, please reach out to us

  • 1

    Toll Free : For Sales :1800-209-0144

  • 2

    Email ID: bagichelp@bajajallianz.co.in

आमच्याशी संपर्क साधा

Quick Links

Instant help for your diverse needs

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First Aid Term Translator

Local Emergency Number

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मोटर क्लेम असिस्टन्स

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Hospital Locator

निरोगीपणा

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क्रिटिकल इलनेस इन्श्युरन्स

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Health Claim by Direct Click

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वैयक्तिक अपघात पॉलिसी

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ग्लोबल पर्सनल गार्ड पॉलिसी

Claim Motor On The Spot

Two-Wheeler Long Term Policy

24x7 रोडसाईड/स्पॉट असिस्टन्स

Caringly Yours (Motor Insurance)

ट्रॅव्हल इन्श्युरन्स क्लेम्स

कॅशलेस क्लेम

24x7 Missed Facility

ट्रॅव्हल इन्श्युरन्स क्लेम दाखल करणे

My Home–All Risk Policy

होम इन्श्युरन्स क्लेम प्रोसेस

होम इन्श्युरन्स सुलभ

होम इन्श्युरन्स कव्हर

Explore our articles

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ClaimProcess

A Deep Dive into Personal Property Insurance

  • मालमत्ता इन्श्युरन्स काय आहे?
  •  Why should you buy personal property insurance?
  • Why should you purchase personal property insurance?
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Beyond Basic Coverage: Exploring Special Protection Options in Commercial Property Insurance

  • Understanding commercial property insurance coverage
  • Comprehensive protection beyond fire and theft
  • Add-on covers for enhanced business security
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The Role of Add-Ons in Property Insurance

  • Understanding additional coverage options
  • Fire, flood, and theft protection add-ons
  • When should you opt for extra coverage?
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Flexi commercial property guard – everything you need to know

  • Understanding flexi commercial property guard
  • Key benefits for your business assets
  • How to file a claim under flexi commercial property guard
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Create a Profile With Us to Unlock New Benefits

  • Customised plans that grow with you
  • Proactive coverage for future milestones
  • Expert advice tailored to your profile
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Why Choose Us

अवॉर्ड्स
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Bajaj Allianz General Insurance won IBEX award
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Bajaj Allianz wins Product Innovator of the Year
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Bajaj Allianz earns top honours for customer excel

Bajaj Allianz won best usage of data analytics

What Our Customers Say

Smooth Buying Process

The online policy purchase was quick and seamless. I could easily compare multiple options and choose the best one for my needs. The entire process was hassle-free, and I received my policy instantly.

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Laksh Gupta

नवी दिल्ली

4.6

15th Jan 2025

Exceptional Customer Support

The customer support team was extremely helpful and guided me through every step. They promptly answered my queries and ensured a smooth experience. I am happy with the service.

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Jaya Dhawan

महाराष्ट्र

5.0

8th Feb 2025

Instant Policy Issuance

I was amazed at how fast I got my policy. The process was very user-friendly, and within minutes of completing the payment, I received my documents. Highly recommended!

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Manish Garg

उत्तर प्रदेश

4.8

22nd Dec 2024

Hassle-Free Claims Process

The claim process was smooth and efficient. The team handled everything professionally, making sure I didn’t face any difficulties. It was truly a hassle-free experience.

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Meera Rishi

पश्चिम बंगाल

4.7

3rd Feb 2025

Best Value for Money

The policy offers great coverage at an affordable premium. The features are well-designed, and I feel secure knowing I made the right choice. Great service overall.

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Sujal Sharma

नवी दिल्ली

4.9

10th Jan 2025

FAQs

What does property insurance cover?
This policy covers losses due to fire, lightning, explosion, and implosion. It also includes coverage for damage caused by riots, strikes, malicious acts, storms, floods, and earthquakes. Business owners can ensure financial security against property damage and can add extra coverage for additional perils as required.

How is the sum insured determined for property insurance?
The sum insured is calculated based on the rebuilding cost of the property, current market value, and the value of contents. An accurate assessment ensures that, in the event of a claim, the insurer provides sufficient funds to repair or replace damaged property, preventing underinsurance and minimizing financial risk during recovery.

What add-on covers are available for property insurance?
Yes, the policy can be enhanced with add-ons such as debris removal, professional fees, spontaneous combustion, cold storage deterioration, spoilage material damage, and more.

How does property insurance handle natural disasters?
Property insurance typically includes coverage for natural disasters such as floods, earthquakes, storms, and lightning. Some policies may require additional endorsements or premiums for full disaster coverage. This protection enables homeowners and businesses to recover quickly by covering repair or replacement costs after severe weather events.

What is the claims process for property insurance?
When damage occurs, promptly notify the insurer and file a claim with necessary documentation, including photos, repair estimates, and incident reports. An assessor reviews the claim, and once approved, the insurer issues compensation for repairs or rebuilding. This efficient process helps property owners regain financial stability with minimal delay.

What perils are typically covered under property insurance?
Property insurance generally covers losses due to fire, lightning, explosion, implosion, riots, strikes, malicious acts, storms, floods and earthquakes. Additional coverage for other perils can often be added as needed.

Does property insurance cover the loss of rent?
Yes, loss of rent can be covered as an add-on. If the insured property becomes uninhabitable due to a covered peril, the policy may compensate for lost rental income, providing financial stability during property restoration.

Are stocks and inventory covered under property insurance?
Yes, stocks and inventory stored within insured premises are typically covered against fire-related damages. Additional coverage can be opted to protect against theft or spoilage due to perils like floods or storms.

What types of property can be insured under property insurance?
Property insurance can cover various types of properties, including residential homes, commercial buildings, industrial facilities, and rental properties. Each type of property may have specific coverage options tailored to its unique risks.

Does property insurance cover natural disasters?
Yes, property insurance typically covers natural disasters such as earthquakes, floods, and storms. However, coverage for certain natural disasters may need to be added as an addition to the standard policy.

What is the claim process for property insurance?
In case of a loss, notify the insurer immediately and provide details of the damage. Submit supporting documents like incident reports and any other required document. A surveyor will assess the loss, and once approved, the claim will be settled as per policy terms.

How long does it take to settle a property insurance claim?
The time to settle a claim can vary depending on the complexity of the claim and the documentation provided. Generally, it can take anywhere from a few weeks to several months.

What should I do if my claim is denied?
If your claim is denied, review the denial letter to understand the reasons. You can appeal the decision by providing additional evidence or documentation to support your claim.

Can I claim for temporary accommodation costs?
Yes, many property insurance policies include coverage for additional living expenses if the insured property becomes uninhabitable due to a covered peril, This can cover temporary accommodation costs.

What is a deductible in property insurance claims?
A deductible is the amount you are responsible for paying out of pocket before the insurance coverage kicks in. It is usually specified in the policy and can affect the premium amount.

How often should I renew my property insurance policy?
Property insurance policies are typically renewed annually. It's important to review your coverage and make any necessary adjustments at each renewal.

Can I switch insurers at the time of renewal?
You can’t switch insurers at the time of renewal, but you can opt for a different insurance policy with a new insurer if you feel it’s necessary.

What happens if I miss the renewal date?
If you miss the renewal date, your coverage may lapse, leaving your property uninsured. Some insurers offer a grace period, but it's best to renew on time to avoid any gaps in coverage.

Can I make changes to my policy at renewal?
Yes, you can make changes to your policy at renewal. This includes adjusting coverage limits, adding or removing coverage, and updating any information about the insured property.

Will my premium change at renewal?
Premiums can change at renewal based on various factors, including changes in coverage, claims history, and any updates to the insured property. It's important to review the renewal terms carefully.
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अस्वीकरण

    • माझा टेलिफोन/मोबाईल नंबर एनडीएनसी वर रजिस्टर्ड असला तरीही अथवा अकारण टेलिकॉल्स संबंधीच्या Telecom Regulatory Authority of India [TRAI] ची बंधने/मार्गदर्शक तत्त्वे असली तरीही, मी जर या वेबसाईटवर आल्यास अथवा बजाज आलियान्झ जनरल इन्श्युरन्स कंपनी लिमिटेड (बॅजिक) ची प्रॉडक्ट्स/सर्व्हिसेस संबंधी चौकशी करताना/पडताळून बघताना अर्ध्यातूनच वेबसाईट बघणे सोडले किंवा मी मला परत फोन करण्यासाठी विनंती केली, तर असे समजण्यात येईल की मी बॅजिकला मला परत फोन करण्यासाठी अधिकार दिले आहेत किंवा बॅजिकच्या विविध इन्श्युरन्स प्रॉडक्ट्स आणि सर्व्हिसेस संबंधी विनंती आणि खरेदीसाठी मला कॉल करण्यास किंवा मला टेक्स्ट मेसेजेस पाठविण्यास अधिकृत करीत आहे. या संदर्भात, मला बॅजिक कडून आलेल्या कोणत्याही कथित अवांछित कॉलबद्दल किंवा TRAI कडे कोणतीही तक्रार असणार नाही, कारण मला बॅजिक कडून कोणत्याही कथित अवांछित कॉलची माहिती देण्यात आली आहे.

    • या वेबसाईटवर वापरलेल्या प्रतिमा आणि त्यामध्ये छायाचित्रित केलेली मॉडेल्स केवळ प्रातिनिधिक हेतूंसाठी आहेत आणि ती कोणाच्याही वैयक्तिक विचारांचे किंवा कल्पनांचे सूचक नाहीत.
    • टॅक्स लाभ टॅक्स कायद्यांतील बदलांच्या अधीन आहेत.
    • नकली फोन कॉल्सपासून सावध रहा: इन्श्युरन्स पॉलिसीची विक्री, बोनसची घोषणा किंवा प्रीमियमची गुंतवणूक यासारख्या कार्यात IRDAI गुंतलेली नाही. अशा प्रकारचे फोन कॉल्स प्राप्त करणार्‍यांना पोलिस तक्रार नोंदविण्याची विनंती केली जाते.

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What makes our insurance unique

With Motor On-The-Spot, Health Direct Click, etc we provide fast claim process , Our sales toll free number:1800-209-0144