{"uin":"IRDAN125RP0001V01202021","name":"Bharat Sookshma Udyam Suraksha","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021","insurer":{"slug":"hdfc-ergo-general-insurance","name":"HDFC ERGO General Insurance Company Limited","url":"https://indiainsurances.com/insurer/hdfc-ergo-general-insurance"},"line":"general","category":"business","category_name":"Shop and business","irdai_type":"Main Product","kind":"product","status":"active","approved_on":"2021-03-30","withdrawn_on":null,"summary":"Bharat Sookshma Udyam Suraksha covers physical loss or damage to insured business property from listed insured events such as fire, explosion, lightning, natural catastrophes, riot, terrorism and theft within 7 days. The policy has a ₹ 5,000 excess for each loss and waives underinsurance up to 15%.","analysis":{"state":"machine","analysed_at":"2026-10-20 08:31:27.081044+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named plan variants are stated in the documents.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The documents define the Policy Period as the period shown in the Policy Schedule, but do not state a fixed policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Give immediate notice to the insurer as soon as loss or physical damage occurs. Submit the claim form at the earliest opportunity, but within 30 days from the date you first notice the loss or damage.","display":"Immediate notice; claim form within 30 days from first notice of loss or damage","note":null,"quote":"As soon as any loss or physical damage occurs to any Insured Property due to an Insured Event, You must immediately give notice to Us of the loss or damage. ... You must submit Your claim in Our claim form at the earliest opportunity, but within 30 days from the date You first notice the loss or damage.","sources":[{"clause":"16(IV)(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-16-iv-a"},{"clause":"16(IV)(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-16-iv-a-4"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["the Policy Number","Your name","details of report to the police that You made","details of report to any Authority that You made","details of the Insured Event","a brief statement of the loss","particulars of any other insurance","details of loss or damage under Add-ons, if any","photographs of loss or physical damage, wherever possible","plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/replacement/repairs","authority to see the relevant records and get information from the police or any other authority","any additional information that We require for verifying Your claim"],"display":"Policy number, name, police/authority reports, event and loss details, other insurance, add-on loss details, photographs where possible, plans, specification books, vouchers, invoices, authority for records and any additional information required","note":null,"quote":"You must state in this notice\ni) the Policy Number,\nii) Your name,\niii) details of report to the police that You made,\niv) details of report to any Authority that You made,\nv) details of the Insured Event,\nvi) a brief statement of the loss,\nvii) particulars of any other insurance of the Insured Property, Your Premises or any other Property on Your Premises,\nviii) details of loss or damage under Add-ons, if any, and\nix) submit photographs of loss or physical damage, wherever possible. ... You must support Your claim for Insured Property with plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/replacement/repairs. ... You must give Us authority to see the relevant records and get information about the Event and Your loss from the police or any other authority. ... You must give Us when We request any additional information that We require for verifying Your claim.","sources":[{"clause":"16(IV)(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-16-iv-c"},{"clause":null,"heading":"5. Establish loss","page":17,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-5-establish-loss"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The CIS states claim settlement TATs as surveyor appointment within 24 hours from claim intimation, survey report within 15 days from allotment of survey, and decision of claim to the insured within 7 days from survey report.","display":"Surveyor appointment 24 hours from claim intimation; survey report 15 days from allotment; decision 7 days from survey report","note":"Stated in the Customer Information Sheet; the policy wording does not state a claim decision or payment timeline.","quote":"Turn Around Time (TAT) in working hours / days for claims settlement o Surveyor appointment- 24 hours from claim intimation o Survey report- 15 days from allotment of survey o Decision of claim to insured - 7 days from survey report","sources":[{"clause":"16(b)(iii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/6752#c-16-b-iii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Your deliberate, wilful or intentional act or omission","Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by overrunning, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity","Loss, destruction or damage to the stocks in cold storage premises caused by change of temperature","Loss or damage by spoilage resulting from the retardation or interruption or cessation of any process or operation","Your Premises or any Insured Building remaining continuously unoccupied for a period of more than 30 days","War, invasion, act of foreign enemy hostilities or war-like operations","Ionising radiation or contamination by radioactivity","Pollution or contamination, unless linked to an Insured Event as stated","Loss, destruction or damage to bullion or unset precious stones, any curios or works of art unless declared separately","Loss of any Insured Property which is missing or has been mislaid","Loss or damage to any Insured Property removed from Your Premises to any other place","Any reduction in market value of any Insured Property after its repair or reinstatement","Loss or damage to any Insured Property or any claim which is covered by a marine policy","Any consequential or indirect loss or damage","Costs, fees or expenses for preparing any claim"],"display":"Deliberate acts, electrical damage from short circuit etc., cold-storage temperature change, spoilage from process interruption, unoccupied premises over 30 days, war, nuclear/radioactivity, pollution/contamination except as stated, undeclared bullion/curios/art, missing or mislaid property, property removed from premises except as stated, reduction in market value, marine-policy losses, consequential or indirect loss, claim preparation costs","note":"The property-removed exclusion has exceptions for machinery and equipment temporarily removed for repairs, cleaning, renovation or similar purposes for not exceeding 60 days, and stock covered under Clause C(4.2).","quote":"Your deliberate, wilful or intentional act or omission, or of anyone on Your behalf, or with Your connivance. ... Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by overrunning, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity from whatever cause (lightning included). ... Loss, destruction or damage to the stocks in cold storage premises caused by change of temperature. ... Loss or damage by spoilage resulting from the retardation or interruption or cessation of any process or operation caused by operation of any of the Insured Events. ... Your Premises or any Insured Building remaining continuously unoccupied for a period of more than 30 days, unless You have obtained prior written approval from Us and such approval is recorded as an endorsement on the Policy. ... War, invasion, act of foreign enemy hostilities or war-like operations (whether war is declared or not), civil war, mutiny, civil commotion amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power. ... Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component that is part of it. ... Pollution or contamination, unless\ni) the pollution or contamination itself has resulted from an Insured Event, in which case only physical damage to the Insured Property is covered, or\nii) an Insured Event itself results from pollution or contamination. ... Loss, destruction or damage to bullion or unset precious stones, any curios or works of art unless such amount is declared separately and recorded in the Policy Schedule. ... Loss of any Insured Property which is missing or has been mislaid, or its disappearance cannot be linked to any single identifiable Insured Event. ... Any consequential or indirect loss or damage of any description, i.e. losses or extra costs (financial or non-financial) that follow or are a consequence of an Insured Event, like, loss by delay, loss of income or wages or earnings, or of market, or of time, medical expenses, or any costs not covered by this Policy. ... Costs, fees or expenses for preparing any claim.","sources":[{"clause":null,"heading":"Clause D. Exclusions, that is, what We do not cover","page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-clause-d-exclusions-that-is-what-we-do-not-cover"},{"clause":"5","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-5"},{"clause":"6","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-6"},{"clause":"7","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-7"},{"clause":"8","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-8"},{"clause":"9","heading":"Pollution or contamination, unless","page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-9"},{"clause":"10","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-10"},{"clause":"11","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-11"},{"clause":"15","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-15"},{"clause":"16","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-16"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact HDFC ERGO's Grievance Redressal Officer through call centre, email, branch grievance officer, website or courier. If not satisfied, approach the Complaint & Grievance Cell, then the Head of Customer Service or Chief Grievance Officer before the Insurance Ombudsman.","display":"Grievance Redressal Officer first; then C&G Cell / Head of Customer Service / Chief Grievance Officer; then Ombudsman if not redressed","note":null,"quote":"If you have a grievance that you wish us to redress, you may contact us with the details of your grievance through:\n• Call Centre - 022-6234 6234\n• Emails – grievance@hdfcergo.com\n• Designated Grievance Officer in each branch.\n• Company Website – www.hdfcergo.com\n• Courier : Any of our Branch office or corporate office\nYou may also approach the Complaint & Grievance (C&G) Redressal Cell at any of our branches ... If you are not satisfied with our redressal of your grievance through one of the above methods, you may contact our Head of Customer Service ... In case you are not satisfied with the response / resolution given / offered by the C&G cell, then you can write to the Chief Grievance Officer of the Company ... You may also approach the nearest Insurance Ombudsman for resolution, if your grievance is not redressed by the Company.","sources":[{"clause":null,"heading":"1. Our Grievance Redressal Officer","page":19,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-1-our-grievance-redressal-officer"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Fire, including due to its own fermentation, or natural heating, or spontaneous combustion","Explosion or Implosion","Lightning","Earthquake, volcanic eruption, or other convulsions of nature","Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation","Subsidence of the land on which Your Premises stand, Landslide, Rockslide","Bush fire, Forest fire and Jungle fire","Impact damage of any kind","Missile testing operations","Riot, Strikes, Malicious Damages","Acts of terrorism","Bursting or overflowing of water tanks, apparatus and pipes","Leakage from automatic sprinklers installations","Theft within 7 days from the occurrence of and proximately caused by any of the above Insured Events"],"display":"Fire, explosion or implosion, lightning, earthquake and convulsions of nature, storm/cyclone/typhoon/tempest/hurricane/tornado/tsunami/flood/inundation, subsidence/landslide/rockslide, bush/forest/jungle fire, impact damage, missile testing, riot/strikes/malicious damages, terrorism, bursting or overflowing water tanks/apparatus/pipes, sprinkler leakage, and theft within 7 days caused by an insured event","note":"Each insured event is subject to the corresponding exclusions in Column B and the policy exclusions.","quote":"We give insurance cover for physical loss or damage, or destruction caused to Insured Property by the following unforeseen events occurring during the Policy Period. ... 1. | Fire, including due to its own fermentation, or natural heating, or spontaneous combustion. ... 2. | Explosion or Implosion ... 3. | Lightning ... 4. | Earthquake, volcanic eruption, or other convulsions of nature ... 5. | Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation ... 6. | Subsidence of the land on which Your Premises stand, Landslide, Rockslide ... 7. | Bush fire, Forest fire and Jungle fire ... 8. | Impact damage of any kind, i.e., damage caused by impact of, or collision caused by, any external physical object (e.g. vehicle, falling trees, aircraft, wall etc.), ... 9. | Missile testing operations ... 10. | Riot, Strikes, Malicious Damages ... 11. | Acts of terrorism (Coverage as per Terrorism Clause attached.) ... 12. | Bursting or overflowing of water tanks, apparatus and pipes, ... 13. | Leakage from automatic sprinklers installations. ... 14. | Theft within 7 days from the occurrence of and proximately caused by any of the above Insured Events","sources":[{"clause":null,"heading":"Clause B. Insured Events","page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-clause-b-insured-events"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"The policy excess is ₹ 5,000 for each and every loss. For terrorism risk, the excess is as per the terrorism clause attached to the policy.","display":"₹ 5,000 each and every loss; terrorism excess as per attached clause","note":null,"quote":"Excess of ₹ 5,000 (Rupees Five Thousand). This means that We will deduct ₹ 5,000 for each and every loss suffered by You under the terms of this policy.\nii. For terrorism risk the excess shall be as per the clause attached to this policy.","sources":[{"clause":null,"heading":"Clause D. Exclusions, that is, what We do not cover","page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-clause-d-exclusions-that-is-what-we-do-not-cover"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"conflicting","value":"You can cancel at any time by written notice. If there is no claim during the period of insurance, refund is calculated by the short-period rate table, with the insurer charging 10% of annual rate up to 15 days, 15% up to 1 month, 30% up to 2 months, 40% up to 3 months, 50% up to 4 months, 60% up to 5 months, 70% up to 6 months, 75% up to 7 months, 80% up to 8 months, 85% up to 9 months, and the full annual rate above 9 months.","display":"Written notice; refund by short-period rate table if no claim","note":"The prospectus says a different refund basis: \"The Company shall refund proportion premium for unexpired policy period subject to no claim(s) made during the policy period.\" The policy wording gives the short-period table and is used for the answer.","quote":"You can cancel this Policy at any time by giving Us notice in writing. The Policy will terminate when We receive Your notice.\nb) If You cancel the Policy, We will refund premium as follows: ... If the Policy is cancelled, the premium would be returned to You calculated in accordance with the short period rate table as mentioned below, provided there is no claim under this Policy during the Period of Insurance.\nFor period not exceeding | Rate to be charged\n15 days | 10% of the Annual rate\n1 month | 15% of the Annual rate\n2 months | 30% of the Annual rate\n3 months | 40% of the Annual rate\n4 months | 50% of the Annual rate\n5 months | 60% of the Annual rate\n6 months | 70% of the Annual rate\n7 months | 75% of the Annual rate\n8 months | 80% of the Annual rate\n9 months | 85% of the Annual rate\n> 9 months | The full Annual rate","sources":[{"clause":null,"heading":"1. Cancellation by You at any time","page":14,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-1-cancellation-by-you-at-any-time"},{"clause":"16(III)(b)(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-16-iii-b-i"},{"clause":null,"heading":"Changes and Cancellation","page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/6735#c-changes-and-cancellation"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The documents tie cover to the insured premises and the Policy Schedule, but do not state a geographic territory such as India or worldwide.","quote":null,"sources":[],"law":[]},{"key":"property_covered","label":"Property covered","section":"Cover","meaning":"Building, stock, plant, machinery, contents.","status":"quote-verified","value":"The policy covers the insured property relating to the business, namely Building, Plant and Machinery, Furniture, Fixture and Fittings, Stocks and any other Contents declared and insured under the policy and located in the insured premises unless specifically stated otherwise.","display":"Building, Plant and Machinery, Furniture, Fixture and Fittings, Stocks and other Contents declared and insured at Your Premises","note":null,"quote":"Insured Property | The Building, Plant and Machinery, Furniture, Fixture and Fittings, Stocks and any other Contents that are declared and insured by You under this Policy, and are located in Your Premises unless specifically stated in this Policy. The Insured Property is shown in the Policy Schedule.","sources":[{"clause":"4","heading":"Special Meanings of certain words","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-4"}],"law":[]},{"key":"business_interruption","label":"Business interruption","section":"Cover","meaning":"Loss of profit while the business cannot run.","status":"quote-verified","value":"Business interruption or loss of profit is not covered under the base policy. The policy excludes consequential or indirect losses, including loss of income, wages, earnings, market or time.","display":"Not covered: consequential or indirect loss, including loss of income, wages, earnings, market or time","note":null,"quote":"Any consequential or indirect loss or damage of any description, i.e. losses or extra costs (financial or non-financial) that follow or are a consequence of an Insured Event, like, loss by delay, loss of income or wages or earnings, or of market, or of time, medical expenses, or any costs not covered by this Policy.","sources":[{"clause":"15","heading":null,"page":11,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-15"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"For Building, Plant and Machinery, Furniture, Fixture and Fittings and other contents, the basis is Reinstatement Value. For stocks, raw material is on landed cost at the premises, stock in process on input cost at the time of loss, finished stock on manufacturing cost or Contract Price for goods sold but not delivered, and bullion, unset precious stones, curios, works of art or obsolete machinery are on Agreed Value basis subject to an acceptable valuation certificate.","display":"Reinstatement Value for buildings, plant and machinery, furniture, fixtures, fittings and other contents; stock on landed/input/manufacturing cost or Contract Price; specified valuables on Agreed Value","note":null,"quote":"i) for Building, Plant and Machinery, Furniture, Fixture and Fittings and any other contents: ... Reinstatement Value\ni. For Stocks:\na) For raw material: landed cost at Your Premises.\nb) For stock in process: input cost of the stock at the time of loss.\nc) For finished stock: the manufacturing cost of the Finished Stock or the Contract Price of goods sold but not delivered and more precisely defined below. ... Bullion or unset precious stones, any curios or works of art or obsolete machinery and the like are to be covered on Agreed Value basis subject to a valuation certificate being submitted and found acceptable by Us.","sources":[{"clause":null,"heading":"2. Basis of Sum Insured","page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-2-basis-of-sum-insured"},{"clause":null,"heading":"Reinstatement Value","page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-reinstatement-value"}],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"quote-verified","value":"If the reinstatement or replacement value of insured property is more than the sum insured, claims are reduced proportionately. The policy waives underinsurance up to 15%, but if the applicable sum insured is less than 85% of the value of insurable assets, you bear a proportionate share of the loss; the condition applies separately to every item and not to Cover for Specific Contents.","display":"Average applies if underinsured; underinsurance waived up to 15%; proportionate share if sum insured is less than 85% of value; not for Specific Contents","note":null,"quote":"If the Reinstatement/Replacement Value of the Insured Property, in totality, including additions, alterations, erections and new acquisitions, is more than the Sum Insured, except to the extent waived in Clause F (3) of this Policy, it amounts to underinsurance, and will reduce proportionate to the difference from the amount that We will pay for Your claim.\n2. Every item of Insured Property is subject to this condition separately.\n3. Under this Bharat Sookshma Udyam Suraksha Policy, We will waive underinsurance upto 15%.\n4. If at the time of damage the Sum Insured applicable to the relevant Buildings, Plant and Machinery, Furniture, Fixture, Fittings, Stocks and other contents is less than 85% of the value of Insurable Assets, You will be responsible for the difference and You will bear a proportionate share of the loss.\n5. Underinsurance will not apply to Cover for Specific Contents.","sources":[{"clause":"16(iv)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775#c-16-iv"}],"law":[]}],"documents":[{"kind":"wording","label":"Bharat Sookshma Udyam Suraksha","pages":14,"fetched_at":"2026-10-17 19:53:02+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/bsu---policy-wording-295960852372.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/6875"},{"kind":"wording","label":"HDFC ERGO - Bharat Sookshma Udyam Suraksha (IRDAI copy)","pages":25,"fetched_at":"2026-10-20 01:35:23+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN125RP0001V01202021_GEN3979.pdf/8d39b928-1cba-d9e1-3b6f-ac66945ac968?version=1.2&t=1668322368722&download=true","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/26775"},{"kind":"prospectus","label":"Bharat Sookshma Udyam Suraksha","pages":9,"fetched_at":"2026-10-17 19:49:50+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/v2/docs/default-source/downloads/prospectus/bsu---prospectus-466060674455.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/6735"},{"kind":"prospectus","label":"Bharat Sookshma Udyam Suraksha Add On","pages":8,"fetched_at":"2026-10-17 19:49:54+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/v2/docs/default-source/downloads/prospectus/other/bsus---prospectus-450745868966.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/6738"},{"kind":"cis","label":"HDFC ERGO - Bharat Sookshma Udyam Suraksha","pages":8,"fetched_at":"2026-10-17 19:50:18+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/docs/default-source/downloads/cis/other/hdfcergobharatsookshmaudyamsuraksha-9083181067.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021/document/6752"}],"versions":[{"uin":"GEN3979","version":null,"approved_on":null},{"uin":"IRDAN125RP0001V01202021","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"HDFC ERGO General Insurance official website","url":"https://www.hdfcergo.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claim intimation and process","url":"https://www.hdfcergo.com/claim/register-bike-insurance-claim/cashless-claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.hdfcergo.com/customer-voice/grievances","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew car insurance","url":"https://www.hdfcergo.com/renew-car-insurance","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Bharat Sookshma Udyam Suraksha (UIN IRDAN125RP0001V01202021), IndiaInsurances, https://indiainsurances.com/policy/hdfc-ergo-general-insurance/bharat-sookshma-udyam-suraksha-irdan125rp0001v01202021"}