{"uin":"IRDAN152RP0004V01202021","name":"Kotak Bharat Sookshma Udyam Suraksha","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021","insurer":{"slug":"zurich-kotak-general-insurance","name":"Zurich Kotak General Insurance Company (India) Limited","url":"https://indiainsurances.com/insurer/zurich-kotak-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":"This is a business property policy for insured property relating to the insured business where the total value at risk at one location is not exceeding Rs. 5 crore. It covers physical loss or damage from listed insured events and has a Rs. 5,000 excess per claim, with underinsurance waived up to 15%.","analysis":{"state":"machine","analysed_at":"2026-10-20 08:32:24.865326+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":null,"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 policy defines Policy Period by the effective and expiry dates shown in the Policy Schedule, but the provided wording does not print a fixed duration.","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":"Immediate notice to the insurer as soon as loss or physical damage occurs; the claim form must be submitted at the earliest opportunity, but within 30 days from the date the insured first notices the loss or damage.","display":"Immediate notice as soon as loss or physical damage occurs; claim form within 30 days from first noticing 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":null,"heading":"1. Immediate notice to Us","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-1-immediate-notice-to-us"},{"clause":null,"heading":"4. Submit claim","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-4-submit-claim"}],"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":["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","claim-form","Plans, specification books, vouchers, invoices pertaining to costs incurred","authority to see the relevant records","any additional information that We require for verifying Your claim"],"display":"Policy number, name, police/authority reports, insured event and loss details, other insurance, add-on loss details, photographs where possible, claim form, plans/specification books/vouchers/invoices, authority to records and additional information","note":null,"quote":"c) 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 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. ... 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":null,"heading":"1. Immediate notice to Us","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-1-immediate-notice-to-us"},{"clause":null,"heading":"4. Submit claim","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-4-submit-claim"},{"clause":null,"heading":"Establish loss","page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-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":"not-stated","value":null,"display":null,"note":"The wording describes claim procedure but does not promise a time for deciding or paying a claim.","quote":null,"sources":[],"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 over-running, 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","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 the pollution or contamination itself has resulted from an Insured Event","Loss, destruction or damage to bullion or unset precious stones, any curios or works of art unless such amount is declared separately","Loss of any Insured Property which is missing or has been mislaid","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 of any description","Costs, fees or expenses for preparing any claim"],"display":"Excludes deliberate acts, specified electrical/electronic machine damage, cold storage temperature-change stock loss, premises unoccupied over 30 days without approval, war, ionising radiation, pollution/contamination except limited cases, undeclared bullion/precious stones/curios/art, missing or mislaid property, reduction in market value, losses covered by marine policy, consequential or indirect loss, and claim preparation costs","note":null,"quote":"2. Your deliberate, wilful or intentional act or omission, or of anyone on Your behalf, or with Your connivance. ... 3. Loss, damage or destruction to any electrical/electronic machine, apparatus, fixture, or fitting by over-running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity from whatever cause (lightning included). ... 4. Loss, destruction or damage to the stocks in cold storage premises caused by change of temperature. ... 6 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. ... 7 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. ... 8 Ionising radiation or contamination by radioactivity from any ... 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. ... 13 Any reduction in market value of any Insured Property after its ... repair or reinstatement. ... 14 Loss or damage to any Insured Property or any claim which is ... covered by a marine policy in force at the time of loss or damage, except in excess of the limits of that policy. ... 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":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-clause-d-exclusions-that-is-what-we-do-not-cover"},{"clause":"6","heading":"Your Premises or any Insured Building remaining continuously","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-6"},{"clause":"7","heading":"War, invasion, act of foreign enemy hostilities or war-like","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-7"},{"clause":"8","heading":"Ionising radiation or contamination by radioactivity from any","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-8"},{"clause":"10","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-10"},{"clause":"11","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-11"},{"clause":"13","heading":"Any reduction in market value of any Insured Property after its","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-13"},{"clause":"14","heading":"Loss or damage to any Insured Property or any claim which is","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-14"},{"clause":"15","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-15"},{"clause":"16","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#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 send the grievance in writing by post or email to the insurer's Grievance Redressal Officer at Kotak General Insurance, 2nd Floor, Zone II, Building No.21, Infinity IT park, Off Western Express Highway, Goregaon, Mulund Link Road, Malad (E), Mumbai - 400097, Email: grievanceofficer@kotak.com.","display":"Write to Kotak General Insurance's Grievance Redressal Officer at Malad (E), Mumbai or email grievanceofficer@kotak.com","note":null,"quote":"You can send Your grievance in writing by post or email to Our Grievance Redressal Officer at the following address:\nKotak General Insurance 2nd Floor, Zone II, Building No.21, Infinity IT park, Off Western Express Highway, Goregaon, Mulund Link Road, Malad (E), Mumbai - 400097. Email- grievanceofficer@kotak.com","sources":[{"clause":null,"heading":"Our Grievance Redressal Officer","page":8,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-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, Jungle fire","Impact damage of any kind","Missile testing operations","Riot, Strikes, Malicious Damages","Acts of terrorism (Coverage as per Terrorism Clause attached.)","Bursting or overflowing of water tanks, apparatus and pipes","Leakage from automatic sprinkler installations","Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events"],"display":"Fire; explosion or implosion; lightning; earthquake/volcanic eruption/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/overflowing water tanks, apparatus and pipes; sprinkler leakage; theft within 7 days caused by an insured event","note":null,"quote":"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, 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, animal, 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 sprinkler installations. ... 14 Theft within 7 (seven) days from the occurrence of and proximately caused by any of the above Insured Events","sources":[{"clause":"3(viii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-3-viii"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Base excess is Rs. 5,000 for each claim. For terrorism risk, the excess is as per the attached terrorism clause.","display":"Rs. 5,000 for each claim; terrorism risk excess as per terrorism clause","note":"Terrorism excess varies by risk: Shops & Residential Risks 1% of claim amount, minimum Rs. 10,000 and maximum Rs. 500,000; Non-Industrial Risks 1%, minimum Rs. 25,000 and maximum Rs. 1,000,000; Industrial Risks 5%, minimum Rs. 100,000 and maximum Rs. 25,00,000.","quote":"Excess of ` 5,000 (Rupees Five Thousand) for each claim. This means that We will deduct ` 5000 (Rupees Five Thousand) 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. ... Shops & Residential Risks: 1% of the claim amount for each and every claim subject to Minimum of ` 10,000 and Maximum of ` 500,000 Non-Industrial Risks: 1% of the claim amount for each and every claim subject to Minimum of ` 25,000 and Maximum of ` 1,000,000 Industrial Risks: 5% of the claim amount for each and every claim subject to Minimum of ` 100,000 and Maximum of ` 25,00,000","sources":[{"clause":null,"heading":"Clause D. Exclusions, that is, what We do not cover","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-clause-d-exclusions-that-is-what-we-do-not-cover"},{"clause":null,"heading":"EXCESS *","page":10,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-excess"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You can cancel at any time by written notice; the policy terminates when the insurer receives the notice. Refund is 90% of annual premium if in force not exceeding 15 days, 85% not exceeding 1 month, 70% not exceeding 2 months, 60% not exceeding 3 months, 50% not exceeding 4 months, 40% not exceeding 5 months, 30% not exceeding 6 months, 25% not exceeding 7 months, 20% not exceeding 8 months, 15% not exceeding 9 months, and full annual premium retained after 9 months.","display":"Written notice; refund ranges from 90% of annual premium for up to 15 days to 15% up to 9 months, and full annual premium retained after 9 months","note":null,"quote":"You can cancel this Policy at any time by giving Us notice in writing. The Policy will terminate when We receive Your notice. ... If You cancel the Policy, We will refund premium as follows: ... For a period not exceeding 15 days | 90% of the Annual premium ... For a period not exceeding 1 month | 85% of the Annual premium ... For a period not exceeding 2 months | 70% of the Annual premium ... For a period not exceeding 3 months | 60% of the Annual premium ... For a period not exceeding 4 months | 50% of the Annual premium ... For a period not exceeding 5 months | 40% of the Annual premium ... For a period not exceeding 6 months | 30% of the Annual premium ... For a period not exceeding 7 months | 25% of the Annual premium ... For a period not exceeding 8 months | 20% of the Annual premium ... For a period not exceeding 9 months | 15% of the Annual premium ... For a period exceeding 9 months | The full Annual premium to be retained","sources":[{"clause":"16(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-16-a"},{"clause":"16(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-16-b"},{"clause":"16(I)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-16-i-2"},{"clause":"16(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-16-i-3"},{"clause":"16(ii)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-16-ii-2"}],"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 wording refers to insured premises and locations shown in the Policy Schedule, but the provided document does not state a geographic territory such as India only 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 insured property relating to the insured business, namely the 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.","display":"Building, Plant and Machinery, Furniture, Fixture and Fittings, Stocks and other Contents declared and insured at the premises","note":null,"quote":"This Policy is issued to You and covers Your Insured Property relating to Your Business as mentioned in the Policy Schedule, where the total value at risk across all insurable asset classes at one location is not exceeding ` 5 Crore (Rupees Five Crore only) at the policy Commencement Date. ... 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":"2(i)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-2-i"},{"clause":"3(viii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-3-viii"}],"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 as a base cover; consequential or indirect loss, including loss by delay, loss of income or earnings, market, time, and other costs not covered by the policy, is excluded.","display":"Excluded: consequential or indirect loss, including loss by delay and loss of income or earnings","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":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#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":"Building, Plant and Machinery, Furniture, Fixture and Fittings and other contents are on Reinstatement Value. Stocks are valued by landed cost for raw material, input cost for stock in process, manufacturing cost or Contract Price for finished stock, and bullion or unset precious stones, curios, works of art or obsolete machinery and the like may be on Agreed Value subject to an acceptable valuation certificate.","display":"Reinstatement Value for building, plant and machinery, furniture, fixtures and fittings and other contents; stocks by landed cost/input cost/manufacturing cost or Contract Price; specified valuables on Agreed Value","note":null,"quote":"2. Basis of Sum Insured:\ni. For Building, Plant and Machinery, Furniture, Fixture and Fittings and any other contents: Reinstatement Value\nii. For Stocks: ... a) For raw material: landed cost at Your Premises. ... b) For stock in process: input cost of the stock at the time of loss. ... c) 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. Contract Price is in respect only of goods sold but not delivered, for which You are responsible and with regard to which under the conditions of the sale, the sale contract is cancelled by reason of any Damage insured under this Policy either wholly or to the extent of the Damage. The Company’s liability shall be based on the Contract Price. Iii. 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":"Clause C. The Standard Cover","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-clause-c-the-standard-cover"},{"clause":"3(a)","heading":"For raw material","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-3-a"},{"clause":"3(b)","heading":"For stock in process","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-3-b"},{"clause":"3(c)","heading":"For finished stock","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-3-c"}],"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":"Underinsurance applies separately to every item if the reinstatement or replacement value is more than the sum insured. Underinsurance is waived up to 15%, but if the applicable sum insured is less than 85% of the value of insurable assets, the insured bears a proportionate share of the loss; it does not apply to Cover for Specific Contents.","display":"Waived up to 15%; if sum insured is less than 85% of value of insurable assets, you bear a proportionate share of the loss","note":null,"quote":"The Sum Insured for each item of Insured Property must be sufficient to pay for Reinstatement/Replacement of that Property on the date of loss. 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. 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":null,"heading":"Clause F. Underinsurance","page":6,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796#c-clause-f-underinsurance"}],"law":[]}],"documents":[{"kind":"wording","label":"Kotak Bharat Sookshma Udyam Suraksha (IRDAI copy)","pages":11,"fetched_at":"2026-10-20 01:35:42+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN152RP0004V01202021_GEN3995.pdf/622c1147-8b02-4a15-2c0a-033e8b850318?version=1.1&t=1668237622713&download=true","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021/document/26796"}],"versions":[{"uin":"GEN3995","version":null,"approved_on":null},{"uin":"IRDAN152RP0004V01202021","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Zurich Kotak General Insurance ( ) official website","url":"https://www.zurichkotak.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":"Claims","url":"https://www.zurichkotak.com/services/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 process","url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","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":"Renewals","url":"https://www.zurichkotak.com/renewal","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":"Kotak Bharat Sookshma Udyam Suraksha (UIN IRDAN152RP0004V01202021), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/kotak-bharat-sookshma-udyam-suraksha-irdan152rp0004v01202021"}