{"id":5498,"title":"Business Secure (Bharat Laghu Udyam Suraksha) Proposal Form","purpose":"proposal","insurer":{"slug":"zurich-kotak-general-insurance","name":"Zurich Kotak General Insurance Company (India) Limited"},"source_pdf":"https://cms.zurichkotak.com/uploads/Business_Secure_Bharat_Laghu_Udyam_Suraksha_Proposal_Form_ZK_26_27_v1_17032026_1f17a9ec31.pdf","sha256":"50e1fdb3c0c0b9209bfe8e080e9fab85335796028659efa267aca04aaf1d8257","pages":9,"collected":"2026-10-17","instructions":{"about":"This form is a proposal for insurance coverage under the Business Secure (Bharat Laghu Udyam Suraksha) policy, to be filled by the proposer (individual or corporate) seeking insurance for their business assets valued between ₹5 Crore and ₹50 Crore.","notes":["Fill the proposal form in BLOCK LETTERS.","All details marked with * are mandatory.","Provide full and accurate information; incomplete or incorrect information may void the policy.","Attach additional sheets if needed and indicate question number.","Use original documents for proofs and attach copies where required.","Email ID is mandatory for Electronic Insurance Account details.","Submission of proposal or payment does not oblige the company to issue a policy.","The company’s liability starts only after acceptance of proposal and receipt of premium."],"title":"Business Secure (Bharat Laghu Udyam Suraksha) Proposal Form","submit":{"to":"Zurich Kotak General Insurance Company (India) Limited","how":"","address":"Registered & Corporate Office: 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway, Goregaon (East), Mumbai - 400063. Maharashtra, India"},"purpose":"proposal","sections":[{"title":"Proposer’s Information","fields":[{"help":"Enter full name of the proposer","type":"text","label":"Proposer’s Name*","options":[],"required":true,"pdf_field":""},{"help":"Specify the trade or business of the proposer","type":"text","label":"Proposer's Trade or Business*","options":[],"required":true,"pdf_field":""},{"help":"","type":"text","label":"First Name","options":[],"required":null,"pdf_field":""},{"help":"","type":"text","label":"Middle Name","options":[],"required":null,"pdf_field":""},{"help":"","type":"text","label":"Last Name","options":[],"required":null,"pdf_field":""},{"help":"If proposer is not an individual, provide contact person name","type":"text","label":"Contact person details if not an individual: a. Name","options":[],"required":null,"pdf_field":""},{"help":"","type":"phone","label":"Contact Telephone No. (Landline No.)","options":[],"required":null,"pdf_field":""},{"help":"","type":"phone","label":"Mobile No.","options":[],"required":null,"pdf_field":""},{"help":"","type":"email","label":"Email ID","options":[],"required":null,"pdf_field":""},{"help":"Goods and Services Tax Identification Number","type":"text","label":"GSTIN","options":[],"required":null,"pdf_field":""},{"help":"Designation of contact person","type":"text","label":"b. Designation","options":[],"required":null,"pdf_field":""},{"help":"Registered office address line 1","type":"text","label":"Address (Line 1)","options":[],"required":null,"pdf_field":""},{"help":"Registered office address line 2","type":"text","label":"Address (Line 2)","options":[],"required":null,"pdf_field":""},{"help":"","type":"text","label":"Nearest Landmark","options":[],"required":null,"pdf_field":""},{"help":"","type":"text","label":"City / District","options":[],"required":null,"pdf_field":""},{"help":"","type":"text","label":"State","options":[],"required":null,"pdf_field":""},{"help":"Full registered office address","type":"text","label":"Registered Office Address*","options":[],"required":true,"pdf_field":""},{"help":"","type":"text","label":"Country","options":[],"required":null,"pdf_field":""},{"help":"","type":"number","label":"Pin Code","options":[],"required":null,"pdf_field":""},{"help":"Tick Yes or No","type":"yes-no","label":"Is the Postal Address same as the Registered Office Address?*","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"Postal address line 1 if different","type":"text","label":"If ‘No’, please provide below Address (Line 1)","options":[],"required":null,"pdf_field":""},{"help":"Postal address line 2 if different","type":"text","label":"Address (Line 2)","options":[],"required":null,"pdf_field":""},{"help":"","type":"text","label":"Nearest Landmark","options":[],"required":null,"pdf_field":""},{"help":"","type":"text","label":"City / District","options":[],"required":null,"pdf_field":""},{"help":"","type":"text","label":"State","options":[],"required":null,"pdf_field":""},{"help":"Full postal address if different","type":"text","label":"Postal Address*","options":[],"required":true,"pdf_field":""},{"help":"","type":"text","label":"Country","options":[],"required":null,"pdf_field":""},{"help":"","type":"number","label":"Pin Code","options":[],"required":null,"pdf_field":""},{"help":"List all parties with insurable interest","type":"text","label":"Policy to be issued in favour of (list out all the parties who have insurable interest) including the financial institutions","options":[],"required":null,"pdf_field":""},{"help":"Tick Yes or No","type":"yes-no","label":"Any existing policy from Us","options":["Yes","No"],"required":null,"pdf_field":""},{"help":"Provide existing policy number if applicable","type":"text","label":"If yes, Policy No.","options":[],"required":null,"pdf_field":""},{"help":"Permanent Account Number or Form 60 if no PAN","type":"text","label":"For Individual customers, please share below details: PAN*:","options":[],"required":true,"pdf_field":""},{"help":"Tick if Form 60 is submitted instead of PAN","type":"checkbox","label":"/ Form 60 (only in case the customer does not have PAN No.)","options":[],"required":null,"pdf_field":""},{"help":"GST Identification Number","type":"text","label":"GSTIN:","options":[],"required":null,"pdf_field":""},{"help":"Select occupation","type":"choice","label":"Occupation","options":["Business","Salaried","Professionals","Student","Housewife","Retired","Others"],"required":null,"pdf_field":""},{"help":"Select nationality","type":"choice","label":"Nationality*","options":["Indian","Non-Indian","NRI"],"required":true,"pdf_field":""},{"help":"Select annual income range","type":"choice","label":"Annual Income","options":["Upto 2.5 lacs","2.5 - 6 lacs","6 - 10 lacs","10 - 15 lacs","15 - 20 lacs","20 - 25 lacs","> 25 lacs"],"required":null,"pdf_field":""},{"help":"Central KYC Registry number","type":"text","label":"CKYC Identifier / Number (Generated by CERSAI)","options":[],"required":null,"pdf_field":""},{"help":"Tick applicable identity and address proofs","type":"checkbox","label":"Proof of Identity (POI) and Proof of Address (POA) [(ü) Tick whichever is applicable]","options":["PAN","Aadhaar","Passport","Driving Licence","Voter ID Card","Others (Please specify)"],"required":null,"pdf_field":""},{"help":"Corporate PAN number","type":"text","label":"For Corporate customers, please share below details: PAN*:","options":[],"required":true,"pdf_field":""},{"help":"Corporate GSTIN","type":"text","label":"GSTIN:","options":[],"required":null,"pdf_field":""},{"help":"Name of authorised signatory","type":"text","label":"Please share the below details for the Authorised Signatory: Name:","options":[],"required":null,"pdf_field":""},{"help":"Designation of authorised signatory","type":"text","label":"Designation:","options":[],"required":null,"pdf_field":""},{"help":"CKYC number of authorised signatory","type":"text","label":"CKYC Identifier / Number (Generated by CERSAI):","options":[],"required":null,"pdf_field":""}],"filled_by":"proposer"},{"title":"Details of Assets and Risk Location","fields":[{"help":"Provide address, pin code, occupancy, age of unit, floor for each location","type":"table","label":"Sum Insured of Assets Location of risk/business to be covered - full postal address with Pin Code","options":[],"required":true,"pdf_field":""},{"help":"Tick applicable answers for each question","type":"checkbox","label":"Details about business covered at the insured location - Please tick Yes/No for various questions","options":["Yes","No"],"required":true,"pdf_field":""},{"help":"List goods stored if applicable","type":"text","label":"If used as warehouse / godown (not located in a manufacturing unit), please give the list of goods stored","options":[],"required":null,"pdf_field":""},{"help":"Describe products manufactured; attach block plan if applicable","type":"text","label":"If used as an Industrial Manufacturing unit give products manufactured at the location proposed","options":[],"required":null,"pdf_field":""},{"help":"Select factory status","type":"choice","label":"If used as an Industrial Manufacturing unit, please state whether the factory is working or silent?","options":["Working","Silent"],"required":null,"pdf_field":""},{"help":"Tick Yes or No","type":"yes-no","label":"Indicate whether AMC (Annual Maintenance contract) for the Fire Protection Appliances is in force","options":["Yes","No"],"required":null,"pdf_field":""},{"help":"Enter number of floors","type":"number","label":"Number of Floors","options":[],"required":null,"pdf_field":""},{"help":"Select age range","type":"choice","label":"Age of the Building","options":["Less than 5 years","5-10 years","10-20 years","Above 20 years"],"required":null,"pdf_field":""},{"help":"Tick sections to opt for","type":"checkbox","label":"Sections opted for (Section I is mandatory and minimum criteria is to select one additional section)","options":["Section I - Zurich Kotak Bharat Laghu Udyam Suraksha","Section II - Business Interruption (Fire)","Section III - Burglary & Housebreaking","Section IV - Electronic Equipments","Section V - Machinery Breakdown","Section VI - Boiler and Pressure Vessels","Section VII - All Risk","Section VIII - Money","Section IX - Fidelity Guarantee","Section X - Plate Glass","Section XI - Signage Insurance","Section XII - Baggage","Section XIII - Personal Accident","Section XIV - Employee Compensation","Section XV - Public Liability","Section XVI - Tenant’s Legal Liability","Section XVII - Directors and Officers Liability"],"required":true,"pdf_field":""},{"help":"Provide distance in kms","type":"text","label":"Distance between the risk to be covered and nearest Fire Brigade","options":[],"required":null,"pdf_field":""},{"help":"Provide details if applicable","type":"text","label":"Whether you have insured the same property with any other Insurance Company with the same type of coverage (Give details)","options":[],"required":null,"pdf_field":""},{"help":"Provide year-wise premium and claim amounts for last 3 years","type":"table","label":"Premium / Claim details for the past 36 months excluding the expiring policy period (Year, Premium, Claim)","options":[],"required":null,"pdf_field":""},{"help":"Provide sum insured values for each category","type":"table","label":"Sum Insured and other details of Insured Property (Building, Plant & Machinery, Furniture & Fixtures, Raw Material, Stock in Process, Finished Stock, Other Contents)","options":[],"required":true,"pdf_field":""},{"help":"Tick Yes or No","type":"yes-no","label":"Do You want to opt for Floater Cover? (Yes / No)","options":["Yes","No"],"required":null,"pdf_field":""},{"help":"Tick Yes or No","type":"yes-no","label":"Whether stocks stored in open: Yes / No","options":["Yes","No"],"required":null,"pdf_field":""},{"help":"Provide details for business interruption cover","type":"table","label":"Business Interruption (Fire): Loss of profit following Fire (insured peril under Section I) - Description, Indemnity Period, Location Address, Gross Profit","options":[],"required":null,"pdf_field":""},{"help":"Tick Yes or No","type":"yes-no","label":"Do You want to opt for Declaration Policy? (Yes / No)","options":["Yes","No"],"required":null,"pdf_field":""},{"help":"Provide amount for declaration policy","type":"amount","label":"Stocks which fluctuate in value to be covered on (monthly) declaration basis: Amount (`)","options":[],"required":null,"pdf_field":""},{"help":"List contents for burglary cover","type":"text","label":"Please specify the contents which you want to avail burglary cover against","options":[],"required":null,"pdf_field":""},{"help":"Describe security arrangements","type":"text","label":"Details of security arrangement at premises, including watch and ward facility","options":[],"required":null,"pdf_field":""},{"help":"Tick Yes or No","type":"yes-no","label":"Valid maintenance contract Force? (Yes / No)","options":["Yes","No"],"required":null,"pdf_field":""},{"help":"Attach copy of maintenance contract","type":"attachment","label":"If yes, Copy to be enclosed","options":[],"required":null,"pdf_field":""},{"help":"Tick Yes or No","type":"yes-no","label":"Is there a CCTV in the insured premises that is clearly operational all through (Yes / No)","options":["Yes","No"],"required":null,"pdf_field":""},{"help":"Describe plate glass and value","type":"text","label":"Plate Glass - Size, Sum Insured (`)","options":[],"required":null,"pdf_field":""},{"help":"Describe signage and value","type":"text","label":"Signage - Description, Situation (outdoors/at height on ground), Type/Age, Sum Insured (`)","options":[],"required":null,"pdf_field":""},{"help":"Provide limit if you are tenant","type":"amount","label":"Tenant’s Legal Liability - Limit of Indemnity required","options":[],"required":null,"pdf_field":""},{"help":"Provide public liability details","type":"text","label":"Public Liability - Annual turnover, Nature of work, Limits required (AOA:AOY)","options":[],"required":null,"pdf_field":""},{"help":"Provide personal accident and nominee details","type":"table","label":"Personal Accident - Name of the insured person, Date of Birth, Occupation, Details of existing infirmity or disability, Relationship with You, Nominee details (Name, Age, Relationship)","options":[],"required":null,"pdf_field":""},{"help":"Provide directors and officers liability details","type":"text","label":"Directors and Officers Liability - Nature of ownership, Details of serving directors and officers, Has chairman/MD/CEO/CFO left office in last 3 years, Limit of Liability required, Any other information","options":[],"required":null,"pdf_field":""},{"help":"Tick all fire protection arrangements available","type":"checkbox","label":"Details of Fire Protection Arrangement available (tick options available)","options":["Portable Fire Extinguishers","Sprinklers","Hydrants","Small bore hose reels","Trailer Pumps / Fire engines","Hydrant System","Sprinkler System","Fixed Water Spray System","Foam systems","Fire alarm systems","Gas flooding systems"],"required":null,"pdf_field":""},{"help":"Provide past claim details for last 3 years","type":"table","label":"Details of Past claim experience under each section opted for - Date of Occurrence, Details of Loss, Amount of Loss (`), Name of the Insurers","options":[],"required":null,"pdf_field":""},{"help":"Provide details if applicable","type":"text","label":"Has any Company in respect of any section included by you for this insurance: a) Declined your Proposal? b) Cancelled or refused to renew your Policy? c) Accepted your Proposal on special terms and condition?","options":[],"required":null,"pdf_field":""},{"help":"Provide insurance start and end dates","type":"date","label":"Period of Insurance - From, To","options":[],"required":true,"pdf_field":""}],"filled_by":"proposer"},{"title":"Electronic Insurance Account Details of Proposer","fields":[{"help":"Tick Yes or No","type":"yes-no","label":"Do you have an EIA Account","options":["Yes","No"],"required":null,"pdf_field":""},{"help":"Provide EIA number if available","type":"text","label":"If Yes, please quote EIA Number","options":[],"required":null,"pdf_field":""},{"help":"Name of insurance repository","type":"text","label":"Please mention name of Insurance Repository","options":[],"required":null,"pdf_field":""},{"help":"Tick Yes or No","type":"yes-no","label":"If No, do you want Us to create an EIA account for you","options":["Yes","No"],"required":null,"pdf_field":""},{"help":"Email ID is mandatory","type":"email","label":"Email id (Registered with Insurance Repository)","options":[],"required":true,"pdf_field":""}],"filled_by":"proposer"},{"title":"Payment Details","fields":[{"help":"Name of payer","type":"text","label":"Received from Ms./Mrs./ Mr","options":[],"required":null,"pdf_field":""},{"help":"Amount paid","type":"amount","label":"a sum of `","options":[],"required":null,"pdf_field":""},{"help":"Select payment mode","type":"choice","label":"Through Cheque/DD","options":["Cheque","Demand Draft"],"required":null,"pdf_field":""},{"help":"Signature of company official","type":"signature","label":"Signature of Zurich Kotak General Insurance Company (India) Limited Official / Intermediary","options":[],"required":null,"pdf_field":""},{"help":"Date of receipt","type":"date","label":"Date","options":[],"required":null,"pdf_field":""},{"help":"Name of official","type":"text","label":"Zurich Kotak General Insurance Company (India) Limited Official/Intermediary Name","options":[],"required":null,"pdf_field":""},{"help":"Time of receipt","type":"text","label":"Time","options":[],"required":null,"pdf_field":""},{"help":"Place of receipt","type":"text","label":"Place","options":[],"required":null,"pdf_field":""},{"help":"Tick if cancelled cheque submitted","type":"checkbox","label":"Details as per premium cheque to be used for electronic fund transfer; Cancelled cheque submitted of other bank","options":[],"required":null,"pdf_field":""},{"help":"Bank account number","type":"text","label":"Account Number","options":[],"required":null,"pdf_field":""},{"help":"Name of bank","type":"text","label":"Bank Name","options":[],"required":null,"pdf_field":""},{"help":"Name of account holder","type":"text","label":"Account Holder name","options":[],"required":null,"pdf_field":""},{"help":"Cheque or demand draft number","type":"text","label":"Cheque / D.D#","options":[],"required":null,"pdf_field":""},{"help":"Bank branch drawn to","type":"text","label":"Drawn To","options":[],"required":null,"pdf_field":""},{"help":"Bank and branch name","type":"text","label":"Bank and Branch Name","options":[],"required":null,"pdf_field":""},{"help":"Card transaction reference number","type":"text","label":"For Credit / Debit Card - Transaction Reference No","options":[],"required":null,"pdf_field":""},{"help":"Transaction date","type":"date","label":"Date","options":[],"required":null,"pdf_field":""},{"help":"Bank IFSC or MICR code","type":"text","label":"IFSC/MICR Code","options":[],"required":null,"pdf_field":""},{"help":"Amount drawn","type":"amount","label":"Drawn Amount","options":[],"required":null,"pdf_field":""},{"help":"Date of transaction","type":"date","label":"Transaction Date","options":[],"required":null,"pdf_field":""}],"filled_by":"proposer"},{"title":"Declarations and Signatures","fields":[{"help":"Sign or thumb impression required","type":"signature","label":"Signature / Thumb impression of the Proposer*","options":[],"required":true,"pdf_field":""},{"help":"Place of signing","type":"text","label":"Place*","options":[],"required":true,"pdf_field":""},{"help":"Date of signing","type":"date","label":"Date*","options":[],"required":true,"pdf_field":""},{"help":"Signature of intermediary or sales person","type":"signature","label":"Signature of Intermediary / Sales Person*","options":[],"required":null,"pdf_field":""},{"help":"Signature and stamp of insurance advisor or agent","type":"signature","label":"Signature & Stamp as applicable of the Insurance Advisor/ Specified person of Corporate Agent/Authorised Employee of Broker/ Sales person*","options":[],"required":null,"pdf_field":""}],"filled_by":"proposer"}],"deadlines":[],"applies_to":"enterprises with total insurable assets at a location exceeding ₹5 Crore but not exceeding ₹50 Crore, against Fire and Allied Perils","attachments":["Additional sheets if more space is needed for answers","Copy of maintenance contract if AMC is in force","Addendum for add on covers required for selected sections"],"declarations":["The value of insurable assets is more than ₹5 Crore but less than ₹50 Crore and statements are true to the best of knowledge.","Any additions or alterations in the risk after submission must be conveyed immediately.","Policy and service communications will be sent in soft copy to the email provided unless physical copy is requested.","Consent is given to verify identity/address through specified government portals for KYC.","All premiums are paid from bonafide sources and not from proceeds of crime; company may cancel contract if found otherwise.","No person shall offer or accept rebates on insurance premiums except as allowed by insurer's published prospectuses.","The proposer has understood and agreed to the terms and conditions of the policy and proposal form."],"dropped_labels":14},"pdf_fields":null,"fillable_pdf":false,"send_to":[{"purpose":"customer-care","channel":"email","value":"care@zurichkotak.com","label":"Email Address","level":null,"hours":null,"applies_to":"all","source_url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","quote":"in\nToll Number (INDIA And Overseas)\n+91-22-69417220\nToll Free Number\n1800 2120\nWhatsApp Number\n7998879988\nEmail Address\ncare@zurichkotak.com\nOur WhatsApp number cannot be used for calls. This is chat only number.\nAccessibility\nZoom in page\nZoom out page\nIncrea","fetched_at":"2026-10-20"},{"purpose":"customer-care","channel":"phone","value":"1800 2120","label":"Toll Free Number","level":null,"hours":null,"applies_to":"all","source_url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","quote":"age claims\nCustomer support\nGrievance redressal\nLogin\nToll Number (INDIA And Overseas)\n+91-22-69417220\nToll Free Number\n1800 2120\nWhatsApp Number\n7998879988\nEmail Address\ncare@zurichkotak.com\nOur WhatsApp number cannot be used for calls. This is cha","fetched_at":"2026-10-20"},{"purpose":"customer-care","channel":"phone","value":"+91-22-69417220","label":"Toll Number (INDIA And Overseas)","level":null,"hours":"IST 8 am to 8 pm","applies_to":"all","source_url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","quote":"Download policy\nManage policy\nManage claims\nCustomer support\nGrievance redressal\nLogin\nToll Number (INDIA And Overseas)\n+91-22-69417220\nToll Free Number\n1800 2120\nWhatsApp Number\n7998879988\nEmail Address\ncare@zurichkotak.com\nOur WhatsApp number cannot be","fetched_at":"2026-10-20"},{"purpose":"customer-care","channel":"whatsapp","value":"7998879988","label":"WhatsApp Number","level":null,"hours":null,"applies_to":"all","source_url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","quote":"t\nGrievance redressal\nLogin\nToll Number (INDIA And Overseas)\n+91-22-69417220\nToll Free Number\n1800 2120\nWhatsApp Number\n7998879988\nEmail Address\ncare@zurichkotak.com\nOur WhatsApp number cannot be used for calls. This is chat only number.\nAccessibilit","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"email","value":"grievanceofficer@zurichkotak.com","label":"Grievance Officer","level":1,"hours":null,"applies_to":"all","source_url":"https://cms.zurichkotak.com/uploads/Policy_Wordings_CPI_dc7b416cf1.pdf","quote":"om .\nIn case the I nsured is not satisfied with the response, I nsured may contact the Grievance Officer of the ZKGI at grievanceofficer@zurichkotak.com . In case if the I nsured is not satisfied with the solution the\nGrievance Officer has provided, | I nsured | can write","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"address","value":"Unit no. 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway, Goregaon (East) Mumbai- 400063. Maharashtra, India.","label":"Registered & Corporate Office","level":null,"hours":null,"applies_to":"all","source_url":"https://www.zurichkotak.com/","quote":"ker\nHealth portability\nResearch & Reports\nCorrespondence Address\nZurich Kotak General Insurance Company (India) Limited\nUnit no. 401, 4th Floor, Silver Metropolis,\nJai Coach Compound, Off Western Express Highway,\nGoregaon (East) Mumbai- 400063. Maharashtra, India.\nConnect with us\n: 022 - 69417220 (Toll number)\n: 1800 2120 (Toll free)\n+91-22-69417220 (IST 8 am to 8 pm)\nwww.zurichkot","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"email","value":"care@zurichkotak.com","label":"Customer Care Email","level":null,"hours":null,"applies_to":"all","source_url":"https://cms.zurichkotak.com/uploads/Policy_Wordings_CPI_dc7b416cf1.pdf","quote":"may contact the respective branch office of the ZKGI or may call toll free number 1800 2120 or may write an e - mail at care@zurichkotak.com .\nIn case the I nsured is not satisfied with the response, I nsured may contact the Grievance Officer of the ZKGI at gr","fetched_at":"2026-10-20"},{"purpose":"grievance","channel":"url","value":"www.zurichkotak.com","label":"Grievance Redressal Process","level":null,"hours":null,"applies_to":"all","source_url":"https://cms.zurichkotak.com/uploads/Policy_Wordings_CPI_dc7b416cf1.pdf","quote":"nder.\nThe details of the Insurance Ombudsman/ complete Grievance Redressal Process is also available at ZKGI’s website: www.zurichkotak.com\nThe updated details of Insurance Ombudsman offices are also available on the website of | Council for\nInsurance Ombudsm","fetched_at":"2026-10-20"}],"how_to_use":"Ask the user for each field in order, in plain words; never invent an answer. Labels are as printed. If fillable_pdf is true, pdf_fields gives the PDF's own field names so the file can be filled directly. The printed form decides if anything differs.","url":"https://indiainsurances.com/forms/zurich-kotak-general-insurance/5498-business-secure-bharat-laghu-udyam-suraksha-proposal-form"}