{"uin":"IRDAN158RP0004V02202122","name":"Digit My Business Policy - Laghu Udyam Suraksha","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122","insurer":{"slug":"go-digit-general-insurance","name":"Go Digit General Insurance Limited","url":"https://indiainsurances.com/insurer/go-digit-general-insurance"},"line":"general","category":"business","category_name":"Shop and business","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2021-06-15","withdrawn_on":null,"summary":"Digit My Business Policy - Laghu Udyam Suraksha is a business package policy covering insured business property and other selected business risks through optional sections. The Bharat Laghu Udyam Suraksha section covers listed fire and allied perils with an excess of 5% of each claim subject to a minimum of ₹ 10,000 and underinsurance waived up to 15%.","analysis":{"state":"machine","analysed_at":"2026-10-20 08:27:38.727574+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":"quote-verified","value":"The coverage under this policy can be opted for a maximum of 1 year.","display":"Maximum 1 Year","note":null,"quote":"The coverage under this Policy can be opted for maximum 1 Year.","sources":[{"clause":null,"heading":"What is the maximum period of cover available under this Policy?","page":250,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/526#c-what-is-the-maximum-period-of-cover-available-un"}],"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":"For the Bharat Laghu Udyam Suraksha section, notice of loss or physical damage must be given immediately, and the claim form must be submitted at the earliest opportunity but within 30 days from the date the loss or damage is first noticed.","display":"Immediate notice; claim form within 30 days","note":"Section-specific claim procedures may differ for optional sections.","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":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#c-1-immediate-notice-to-us"},{"clause":null,"heading":"4. Submit claim","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#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":["claim form","plans","specification books","vouchers","invoices","relevant records","additional information"],"display":"Claim form, plans, specification books, vouchers, invoices, relevant records and additional information","note":null,"quote":"You must submit Your claim in Our claim form at the earliest opportunity ... 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 ... You must give Us when We request any additional information that We require for verifying Your claim.","sources":[{"clause":null,"heading":"4. Submit claim","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#c-4-submit-claim"},{"clause":null,"heading":"5. Establish Loss","page":14,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#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":"not-stated","value":null,"display":null,"note":"The documents say claim settlement or rejection will be as per prevailing guidelines or specified timelines, but do not print a fixed number of days for this product.","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":["Excess of 5 % of each claim, subject to a minimum of ₹ 10,000","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","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 from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel","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","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 in force at the time of loss or damage","Any consequential or indirect loss or damage of any description","Costs, fees or expenses for preparing any claim."],"display":"Main exclusions include the excess, deliberate acts, electrical/electronic damage by short circuiting or leakage, cold storage temperature change, over 30 days unoccupancy, war, nuclear/radioactivity, pollution or contamination, undeclared bullion/curios/art, missing or mislaid property, removed property, reduction in market value, marine-policy losses, consequential loss and claim preparation costs.","note":"These are exclusions from the mandatory Bharat Laghu Udyam Suraksha section; optional sections have their own exclusions.","quote":"Excess of 5 % of each claim, subject to a minimum of ₹ 10,000 ... 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 ... 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 from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel ... Pollution or contamination, unless ... 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 ... 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 in force at the time of loss or damage ... Any consequential or indirect loss or damage of any description ... 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/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#c-clause-d-exclusions-that-is-what-we-do-not-cover"},{"clause":"6","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#c-6-2"},{"clause":"7","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#c-7-2"},{"clause":"8","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#c-8-2"},{"clause":"9","heading":"Pollution or contamination, unless","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#c-9-2"},{"clause":"10","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#c-10-2"},{"clause":"11","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#c-11-2"},{"clause":"12","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#c-12-2"},{"clause":"13","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#c-13"},{"clause":"14","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#c-14"},{"clause":"15","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#c-15"},{"clause":"16","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#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 Digit through its website, toll-free number, email, branch grievance cell, or the grievance officer at grievance@godigit.com. If not satisfied, the insured person may approach the Insurance Ombudsman or register online at IRDAI's Bima Bharosa.","display":"Digit customer service or grievance officer first; then Insurance Ombudsman or IRDAI Bima Bharosa","note":null,"quote":"In case of any grievance the insured person may contact the company through Website: https://www.godigit.com Toll Free: 1-800-258- 4242 Email: hello@godigit.com ... insured person may contact the grievance officer at grievance@godigit.com ... the insured person may also approach the office of Insurance Ombudsman ... The policyholder or the claimant also has the option to register the complaint on-line at IRDAl's Bima Bharosa by visiting https://bimabharosa.irdai.gov.in/","sources":[{"clause":null,"heading":"CUSTOMER GRIEVANCE REDRESSAL POLICY","page":286,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#c-customer-grievance-redressal-policy"}],"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 sprinkler 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 other convulsions of nature; storm, cyclone, typhoon, tempest, hurricane, tornado, tsunami, flood and inundation; subsidence, landslide and rockslide; bush, forest and jungle fire; impact damage; missile testing; riot, strikes and malicious damages; terrorism; bursting or overflowing water tanks, apparatus and pipes; sprinkler leakage; theft within 7 days caused by an insured event","note":"Perils shown are for the Bharat Laghu Udyam Suraksha section.","quote":"We cover physical loss or damage, or destruction caused to the Insured Property by | We do not cover for loss or damage, or destruction caused to the Insured Property by\n1. | Fire, including due to its own fermentation, or natural heating, or spontaneous combustion. | caused by a. its undergoing any heating or drying process, or b. burning of Insured Property by order of any Public Authority.\n2. | Explosion or Implosion | a. caused to boilers, economizers or other vessels, machinery or apparatus in which steam is generated, or their contents, resulting from their own explosion or implosion, or b. caused by centrifugal forces.\n3. | Lightning | -\n4. | Earthquake, volcanic eruption, or other convulsions of nature | -\n5. | Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation | -\n6. | Subsidence of the land on which Your Premises stand, Landslide, Rockslide | caused by a. normal cracking, settlement or bedding down of new structures, b. the settlement or movement of made-up ground, c. coastal or river erosion, d. defective design or workmanship or use of defective materials, or e. demolition, construction, structural alterations or repair of any property, or ground works or excavations.\n7. | Bush fire, Forest fire and Jungle fire | -\n8. | 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.), | a. caused by pressure waves caused by aircraft or other aerial or space devices travelling at sonic or supersonic speeds. b. caused by vehicle, animal or aircraft belonging to or owned by Insured or their employee while acting in the course of employment\n9. | Missile testing operations | -\n10. | Riot, Strikes, Malicious Damages | caused by a. total or partial cessation of work or the retardation or interruption or cessation of any process or operations or omissions of any kind, b. temporary or permanent dispossession, confiscation, commandeering, requisition or destruction by order of the government or any lawful authority, or c. temporary or permanent dispossession of any Building by unlawful occupation by any person.\n11. | Acts of terrorism (Coverage as per Terrorism Clause attached.) | Exclusions as per Terrorism Clause attached.\n12. | Bursting or overflowing of water tanks, apparatus and pipes, | -\n13. | Leakage from automatic sprinkler installations. | a. repairs or alterations in the Building in which Your Business is located, b. repairs, removal or extension of any sprinkler installation, or c. defects in the construction known to You.\n14. | Theft within 7 days from the occurrence of and proximately caused by any of the above Insured Events | if it is a. of any article or thing outside Your Premises, or b. of any article or thing attached from the outside of the outer walls or the roof of Your Premises, unless securely mounted.","sources":[{"clause":null,"heading":"Clause B. Insured Events","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#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":"For Bharat Laghu Udyam Suraksha, the excess is 5% of each claim, subject to a minimum of ₹ 10,000 for each and every loss; terrorism risk excess is as per the attached clause.","display":"5% of each claim, minimum ₹ 10,000; terrorism excess as per attached clause","note":"Other sections may have deductible or excess as stated in the policy schedule.","quote":"Excess of 5 % of each claim, subject to a minimum of ₹ 10,000 (Rupees Ten Thousand). This means that We will deduct 5 % of each claim, subject to a minimum of ₹ 10,000 (Rupees Ten 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.","sources":[{"clause":null,"heading":"Clause D. Exclusions, that is, what We do not cover","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#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":"quote-verified","value":"If the insured cancels, the company retains premium at the customary short period rate for the time the policy has been in force. The short period retention scale ranges from 10% of the annual rate for a period not exceeding 15 days to the full annual rate for a period exceeding 9 months.","display":"Short-period refund: insurer retains 10% 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 full annual rate over 9 months","note":null,"quote":"This insurance may be terminated at any time at the request of the Insured, in which case the Company will retain the premium at customary short period rate for the time the policy has been in force. ... For a period not exceeding 15 days | 10% of the Annual rate\nFor a period not exceeding 1 month | 15% of the Annual rate\nFor a period not exceeding 2 months | 30% of the Annual rate\nFor a period not exceeding 3 months | 40% of the Annual rate\nFor a period not exceeding 4 months | 50% of the Annual rate\nFor a period not exceeding 5 months | 60% of the Annual rate\nFor a period not exceeding 6 months | 70% of the Annual rate\nFor a period not exceeding 7 months | 75% of the Annual rate\nFor a period not exceeding 8 months | 80% of the Annual rate\nFor a period not exceeding 9 months | 85% of the Annual rate\nFor a period exceeding 9 months | The full Annual Rate","sources":[{"clause":"17","heading":"Cancellation","page":285,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#c-17-10"},{"clause":null,"heading":"Short Period Rate For Cancellation","page":285,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#c-short-period-rate-for-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":"quote-verified","value":"The policy covers property situated within India only, and all claims are paid in Indian rupees.","display":"India only; claims paid in Indian rupees","note":null,"quote":"This Policy shall cover Property situated within India Only. ... All claims shall be paid in Indian Rupees only.","sources":[{"clause":null,"heading":"11. Geographical Limits","page":284,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#c-11-geographical-limits"},{"clause":null,"heading":"12. Law and Jurisdiction","page":284,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#c-12-law-and-jurisdiction"}],"law":[]},{"key":"property_covered","label":"Property covered","section":"Cover","meaning":"Building, stock, plant, machinery, contents.","status":"quote-verified","value":"The Bharat Laghu Udyam Suraksha section covers the insured property's building, plant and machinery, furniture, fixtures and fittings, stocks and other contents declared and insured by the policyholder and located in the premises.","display":"Building, plant and machinery, furniture, fixtures and fittings, stocks and other contents","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.","sources":[{"clause":"4","heading":"Special Meanings of certain words","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#c-4-2"}],"law":[]},{"key":"business_interruption","label":"Business interruption","section":"Cover","meaning":"Loss of profit while the business cannot run.","status":"quote-verified","value":"Business interruption is covered only if the Digit Consequential Loss (Fire) Insurance section is opted. That section pays loss resulting from interruption or interference with the business after damage to buildings or other property used for the business by perils covered under the fire policy, while the Bharat Laghu Udyam Suraksha section itself excludes consequential or indirect loss.","display":"Covered if Section 2 is opted; otherwise consequential or indirect loss is excluded under Section 1","note":null,"quote":"If You have opted for this Section, the Company agrees ... if any building or other property or any part thereof used by the Insured at the premises for the purpose of the Business, be destroyed or damaged by the perils covered under the FIRE POLICY ... and the Business carried on by the Insured at the Premises be in consequence thereof interrupted or interfered with, then the company will pay ... Any consequential or indirect loss or damage of any description","sources":[{"clause":"Section 2","heading":"Digit Consequential Loss (Fire) Insurance A) OPERATIVE CLAUSE","page":21,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#c-section-2"},{"clause":"15","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#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 Bharat Laghu Udyam Suraksha, buildings, plant and machinery, furniture, fixtures and fittings and other contents are insured 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, unset precious stones, curios, works of art or obsolete machinery may be on agreed value with an acceptable valuation certificate.","display":"Reinstatement Value for building, plant and machinery, furniture, fixtures and 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\nii) 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 ... 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","sources":[{"clause":null,"heading":"2. Basis of Sum Insured","page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#c-2-basis-of-sum-insured"}],"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, the claim is reduced proportionately, but underinsurance is waived up to 15%. If the sum insured is less than 85% of the value of insurable assets at the time of damage, the insured bears a proportionate share of the loss.","display":"Average applies if underinsured; waived up to 15%, and proportionate sharing applies if sum insured is below 85% of insurable assets","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. ... Under this Bharat Laghu Udyam Suraksha Policy, We will waive underinsurance upto 15%. ... 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.","sources":[{"clause":null,"heading":"Clause F. Underinsurance","page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610#c-clause-f-underinsurance"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings - Digit My Business Policy - Laghu Udyam Suraksha - IRDAN158RP0004V02202122","pages":292,"fetched_at":"2026-10-17 19:39:03+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/policy-wordings-digit-my-business-policy-laghu-udyam-suraksha.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/610"},{"kind":"wording","label":"Digit My Business Policy – Laghu Udyam Suraksha (IRDAI copy)","pages":253,"fetched_at":"2026-10-20 01:16:42+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN158RP0004V01202122_GEN4515.pdf/adedbc63-b295-4ad2-cbb1-4c05fefef1eb?version=1.1&t=1668849435004&download=true","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/26214"},{"kind":"prospectus","label":"Prospectus - Digit My Business Policy - Laghu Udyam Suraksha - IRDAN158RP0004V02202122","pages":251,"fetched_at":"2026-10-17 19:37:29+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/prospectus-digit-my-business-policy-laghu-udyam-suraksha.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/526"},{"kind":"cis","label":"CIS - Digit My Business Policy - Laghu Udyam Suraksha - IRDAN158RP0004V02202122","pages":5,"fetched_at":"2026-10-17 19:38:46+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/cis-digit-my-business-laghu-udhyam-suraksha.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122/document/595"}],"versions":[{"uin":"IRDAN158RP0004V01202122","version":null,"approved_on":null},{"uin":"IRDAN158RP0004V02202122","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Go Digit General Insurance official website","url":"https://www.godigit.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":"Motor claims","url":"https://www.godigit.com/motor-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel claims","url":"https://www.godigit.com/international-travel-insurance/file-a-claim","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 procedure","url":"https://www.godigit.com/claim/grievance-redressal-procedure","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."}],"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":"Digit My Business Policy - Laghu Udyam Suraksha (UIN IRDAN158RP0004V02202122), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-my-business-policy-laghu-udyam-suraksha-irdan158rp0004v02202122"}