Your premises, machinery, stock, and equipment represent years of investment. A fire — however brief — can undo it in hours. Fire insurance covers physical loss or damage caused by fire, lightning, explosion, natural disasters, and a range of allied perils, ensuring your business has the financial backing to recover and rebuild.
At Beyond Insurance, we don’t just help you buy a fire policy. We assess your actual asset values, identify the right coverage extensions — such as loss of profit, earthquake, and flood cover — and ensure the sum insured reflects your current business reality, not what it was at your last renewal.
Because the most expensive gap in any fire policy is the one you discover after a claim.
Marine transit insurance protects your goods against physical loss or damage while in transit — by sea, air, road, or rail. Whether you’re an importer, exporter, or domestic trader, the risk of theft, accident, and damage during transit is real and often underestimated.
We help businesses choose between open policies for regular shipments and voyage-specific cover for one-off consignments, ensuring the declared value and coverage clauses are structured correctly. A claim settlement that falls short because of poor policy structuring is entirely avoidable — and it’s what we work to prevent.
Machinery breakdown insurance covers sudden and unforeseen physical damage to your plant and equipment caused by mechanical or electrical failure — short circuits, operator error, material defects, and more. Standard fire policies don’t cover these scenarios, making machinery breakdown cover an essential complement for any manufacturing or processing operation.
We typically recommend pairing this with a loss of profit extension, which covers the revenue your business loses during downtime — often a more significant financial impact than the repair cost itself. If your business depends on machinery, this cover deserves serious attention.
A Group Personal Accident policy provides financial protection to your employees in the event of accidental death, permanent disability, or temporary disability. Most policies provide 24-hour worldwide cover — not just during working hours — giving your workforce meaningful protection at all times.
We help employers structure the right sum insured for their workforce composition, typically calculated as a multiple of annual salary, and ensure the policy is communicated clearly so employees understand the benefit they hold. A well-structured GPA policy is one of the most tangible ways a business can demonstrate genuine care for its people.
A Shopkeeper’s Policy is a comprehensive package designed for retail business owners — covering your premises, stock, furniture, fixtures, fittings, and cash against fire, burglary, natural calamities, and public liability under a single arrangement. Whether you run a neighbourhood store or a multi-brand showroom, it’s the most efficient way to protect your retail operation.
Beyond the base cover, we help shop owners identify relevant add-ons — plate glass cover, electronic equipment, neon signs, personal accident for the owner, and money in transit — so the policy reflects how the business actually runs. No unnecessary covers, no gaps that matter.
Keyman Insurance covers the life of an employee whose skills, relationships, or knowledge are critical to the business. If that person passes away or becomes permanently disabled, the policy pays out to the company — helping absorb the financial disruption, fund a replacement, and maintain operational continuity.
An Employer-Employee scheme takes a broader approach, using life insurance as a structured employee retention and benefits tool with meaningful tax advantages for both employer and employee. We design both types of arrangements to be financially efficient, IRDAI-compliant, and genuinely useful — not just a benefit that looks good on paper.
Contractor All Risk insurance covers construction projects against physical loss or damage to the works under construction, on-site plant and equipment, and third-party liability arising from construction activity. It’s essential for contractors, project developers, and infrastructure companies who need comprehensive protection from the first day of work to project handover.
We structure CAR policies that include the right maintenance period cover, appropriate third-party liability limits, and add-ons for surrounding property and cross-liability — ensuring your project isn’t exposed at any stage of construction. Most financiers and project owners require CAR cover before work begins, and we ensure your documentation meets those requirements.
Erection All Risk insurance is designed for the installation and commissioning of plant, machinery, and industrial equipment. It covers physical damage to the equipment being erected and third-party liability during the erection process — risks that standard property policies and CAR cover aren’t designed to address.
EAR is the right policy for engineering projects, industrial installations, and equipment commissioning where the primary risk involves machinery rather than civil construction. We work with project engineers and contractors to ensure the policy period, testing and commissioning cover, and liability limits are aligned with the actual project scope.
Group Health Insurance covers your employees and their dependants for hospitalisation expenses — room rent, surgery, ICU charges, pre and post-hospitalisation costs — with cashless access at network hospitals across India. For most employees, it’s the most used and most valued benefit their employer provides.
We help businesses design group health programmes that go beyond the minimum. Graded sum insured structures for different employee levels, maternity and OPD add-ons, wellness benefits, and clear portability options for departing employees — these are the details that determine whether your group health policy is genuinely useful or just a compliance checkbox.
Under the Employees’ Compensation Act, 1923, employers are legally required to compensate workers who suffer injury, illness, or death in the course of employment. Workmen Compensation insurance covers this statutory liability — including medical expenses, disability compensation, and death benefits — protecting the business while fulfilling its obligations to affected employees and their families.
We pay particular attention to contract labour arrangements, where a Principal’s Liability extension is often needed to cover injuries to workers provided by third-party contractors on your premises. Missing this cover is one of the most common gaps in WC programmes for businesses that rely on contract workforces.
Group Travel Insurance covers employees on official business travel against medical emergencies abroad, trip cancellation, baggage loss, passport loss, flight delays, and personal accident. It can be structured as an annual blanket policy for frequent travellers or activated for specific trips — whichever suits your company’s travel patterns.
We help businesses choose policies that actually cover the destinations and activities your employees encounter, including pre-existing condition clauses, adventure activity extensions, and emergency medical evacuation cover for high-risk regions. Business travel involves real risk — your policy should reflect that.
Directors and Officers (D&O) liability insurance protects company directors and senior executives against personal financial liability arising from decisions made in their professional capacity. Claims can come from shareholders, creditors, regulators, or employees — alleging mismanagement, breach of duty, misleading disclosures, or employment practice violations.
D&O is not just for listed companies. Private businesses, family-run enterprises, and startups with investor backing all carry meaningful D&O exposure. We help organisations understand their specific risk profile and structure a policy that protects the individuals leading the business — so that personal assets aren’t on the line for professional decisions made in good faith.
Commercial General Liability insurance covers your business against claims for bodily injury and property damage arising from your operations, premises, products, or completed work. A visitor injured on your premises, a product that causes harm to an end user, accidental damage caused by your team at a client’s site — CGL responds to all of these.
For businesses that interact with customers, occupy commercial premises, or deliver products and services into the market, CGL is one of the most fundamental covers to hold. We assess your specific operational exposures and ensure the policy includes the right extensions — product liability, completed operations, and personal injury cover — for how your business actually works.
A Stock Indemnity Policy covers loss or damage to stock held at your premises against fire, flood, burglary, and allied perils. It’s designed for traders, wholesalers, and manufacturers who need dedicated inventory protection that goes beyond what a general property policy provides.
We help businesses choose between a fixed sum insured and a declaration-based floating policy — where the insured value adjusts monthly based on actual stock levels. For businesses with fluctuating inventory, a floating structure prevents both underinsurance during peak periods and premium wastage during lean ones.
A Jeweller’s Block policy provides comprehensive all-risk cover for jewellery, watches, and precious stones against theft, burglary, hold-up, accidental damage, and transit risks. It covers stock at your shop premises, goods in transit, and items taken to exhibitions or on approval — giving jewellers complete protection wherever their inventory travels.
We work with jewellers to ensure their security setup meets policy requirements, display and overnight storage conditions are clearly understood, and the sum insured accurately reflects the current market value of their stock. A Jeweller’s Block policy that’s correctly structured is one of the most comprehensive covers available for the trade.
Cybercrime insurance covers financial losses arising from hacking, phishing, ransomware, data breaches, online fraud, and social engineering attacks. It covers the cost of forensic investigation, data restoration, business interruption losses, regulatory fines, and third-party liability for customer data that’s been compromised.
Cybercrime is not a large-company problem. Small and medium businesses are frequently targeted precisely because their security infrastructure is less robust. We help businesses understand their cyber risk exposure and secure policies that respond practically when an incident occurs — not just policies that look good in a due diligence folder.
Motor vehicle insurance for businesses covers your vehicles against own-damage, third-party liability, theft, and natural calamities. For companies operating multiple vehicles, a fleet policy consolidates cover under a single arrangement — simplifying administration, improving renewal management, and typically delivering better premium terms.
We structure motor insurance for businesses ranging from small fleets of company cars to large commercial vehicle operations, ensuring the right add-ons — zero-depreciation, engine protection, return to invoice — are in place where they make financial sense. The right motor cover isn’t just about meeting the legal minimum. It’s about protecting the vehicles your business depends on.
Group Term Life Insurance provides a lump-sum death benefit to an employee’s family if the employee passes away during the period of employment. It’s one of the most valued — and most cost-effective — benefits an employer can offer, with group rates significantly lower than individual policy premiums.
We help employers design group term schemes with the right sum insured, voluntary top-up options for employees who want additional cover, and clear communication so employees actually understand the benefit they hold. We also ensure employees are advised on their portability options when they leave — so the protection they’ve relied on doesn’t disappear with their employment.
Individual and family health insurance covers hospitalisation expenses — room rent, surgery, ICU charges, diagnostics, and pre and post-discharge care — for you and your dependants. With the cost of private medical care rising steadily across Indian cities, the right health cover is less of a financial product and more of a necessity.
We help individuals and families choose the right sum insured, understand waiting period implications, and compare policies across cashless hospital networks and claim settlement records — not just premium prices. The goal is cover that holds up when you actually need it, not just cover that looks reasonable at renewal time.
Private motor insurance covers your car or two-wheeler against own-damage, third-party liability, theft, fire, and natural calamities. A comprehensive policy goes well beyond the mandatory third-party cover, ensuring that your own vehicle is protected — not just your liability to others.
We guide individuals on add-ons that genuinely change how a claim settles: zero-depreciation cover, engine protection, consumables cover, and return to invoice. We also help clients understand how their No Claim Bonus works, when it makes sense to claim, and how to ensure their NCB transfers correctly when switching insurers at renewal.
Overseas travel insurance covers medical emergencies abroad, trip cancellation or curtailment, baggage loss, passport loss, flight delays, and personal accident — for both leisure and business travellers. For Schengen countries, it’s a visa requirement. For everywhere else, it’s simply good judgement.
We help travellers choose policies that match their actual itinerary — including destinations with high medical costs, adventure activities that standard policies exclude, and multi-trip annual covers for frequent travellers. One hospitalisation abroad without insurance can cost more than years of premium. That’s not a risk worth taking.
A Marine Single Transit policy covers a specific consignment — from origin to final destination — against loss or damage during transit by road, rail, air, or sea. It’s the right choice for individuals or businesses that ship goods occasionally and don’t require an ongoing open policy.
We help clients declare the correct value — invoice price plus freight and incidental costs — and choose the right coverage clause for the nature of their goods and the risks involved. A policy taken at the last minute with an undervalued declaration is far less useful than one structured properly from the start.
Personal cyber insurance covers individuals against financial losses from online fraud, identity theft, phishing attacks, social media account hacking, email spoofing, and cyberstalking. It also covers legal expenses and the cost of restoring your digital identity after a breach — areas that bank refund policies and standard insurance simply don’t address.
As more of daily life moves online — banking, shopping, investing, communication — personal cyber exposure has grown significantly. Cyber insurance for individuals is no longer a niche product. It’s practical financial protection for the way people actually live and transact today.
A term life insurance plan pays a lump-sum benefit to your family if you pass away during the policy term. There’s no maturity payout or investment component — which is exactly why it delivers the highest coverage at the lowest cost of any life insurance product. For most families, it’s the most important financial protection they can put in place.
We help individuals calculate the right coverage amount — accounting for outstanding loans, dependants’ needs, and long-term income replacement — and compare term plans across premium, claim settlement ratio, and policy features. Buying the right amount of the right cover, at the right time, is what makes a term plan genuinely useful rather than just technically in force.
Personal Accident insurance provides a lump-sum benefit in the event of accidental death, permanent disability, or a weekly income benefit during temporary disability that prevents you from working. It’s distinct from health insurance — which covers hospitalisation costs — and fills the income gap that a medical policy doesn’t address.
For salaried individuals, the combination of health insurance and personal accident cover provides the most complete financial protection against unexpected events. We help clients understand what level of disability benefit is appropriate for their income and liabilities, and structure cover that pays out in the scenarios that matter most.
An endowment plan combines life insurance with a savings component. If you survive the policy term, you receive a maturity benefit. If you pass away during the term, your family receives the sum assured. It’s a disciplined savings vehicle with built-in financial protection — suited for individuals working toward a specific goal with a defined timeframe.
Endowment plans work best when they’re aligned to a concrete financial objective — a child’s education, a property purchase, or a retirement corpus — rather than purchased as a primary insurance product. We help clients assess whether an endowment structure fits their financial plan, and ensure the premium commitment, bonus projections, and policy terms are understood clearly before a decision is made.
Mutual funds pool capital from multiple investors and deploy it across a diversified portfolio of stocks, bonds, or other securities — managed by professional fund managers under SEBI regulation. For individuals who want market exposure without managing investments directly, mutual funds remain one of the most accessible and flexible investment options available.
We help clients identify funds that align with their risk profile, investment horizon, and financial goals — whether that’s a monthly SIP for long-term wealth building, a debt fund for capital preservation, or a balanced fund for a specific medium-term objective. The right fund isn’t the one with the highest recent return. It’s the one that fits your plan.
Direct equity investment means buying shares of individual companies listed on the stock exchange. As a shareholder, you participate directly in a company’s growth through capital appreciation and dividends. It offers potentially higher returns than pooled vehicles but requires active research, portfolio monitoring, and comfort with short-term volatility.
At Beyond Insurance, our equity advisory is grounded in fundamental research and long-term thinking — not short-term market noise. We work with clients to build diversified equity portfolios across sectors and market caps, with clear entry rationale and regular portfolio reviews. Direct equity can be a powerful part of a financial plan when it’s managed with discipline.
Fixed income investments — bonds, debentures, government securities, corporate deposits, and debt mutual funds — provide regular, predictable returns and serve as the stabilising component of a diversified portfolio. They suit conservative investors, those approaching a financial goal, or anyone looking to reduce overall portfolio volatility without moving entirely to cash.
We help clients navigate fixed income options across the risk spectrum — from sovereign-backed instruments with near-zero credit risk to higher-yielding corporate bonds with carefully assessed issuer quality. Inflation, interest rate movements, and credit risk all affect fixed income returns, and we factor all three into the recommendations we make for our clients.
