{"uin":"IRDAN159RP0020V01202021","name":"Edelweiss General Insurance Company Limited, Bharat Sookshma Udyam Suraksha Policy","url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021","insurer":{"slug":"zuno-general-insurance","name":"Zuno General Insurance Ltd","url":"https://indiainsurances.com/insurer/zuno-general-insurance"},"line":"general","category":"business","category_name":"Shop and business","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2021-03-30","withdrawn_on":null,"summary":"Bharat Sookshma Udyam Suraksha Policy covers physical loss or damage to insured business property where the total value at risk across insurable asset classes at one location is not exceeding ₹ 5 Crore. It covers listed perils including fire, explosion, lightning, earthquake, storm, flood, riot, terrorism and theft within 7 days following an insured event, with an excess of ₹ 5,000 for each claim and underinsurance waived upto 15%.","analysis":{"state":"machine","analysed_at":"2026-10-20 08:31:22.799834+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":"The wording does not name separate plan variants inside the product.","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 wording says the Policy Period is shown in the Policy Schedule, but does not state 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":"You must immediately give notice of loss or physical damage to the insurer. The claim form must be submitted at the earliest opportunity, but within 30 days from the date you first notice the loss or damage.","display":"Immediate notice; claim form within 30 days from first 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":"16(IV)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-16-iv-2"},{"clause":"16(IV)(b)(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-16-iv-b-i"}],"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","photographs of loss or physical damage","Plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/replacement/repairs","authority to see the relevant records and get information about the Event and Your loss from the police or any other authority","any additional information that We require for verifying Your claim"],"display":"Claim form, photographs where possible, plans/specification books/vouchers/invoices, authority for records, and additional information requested","note":null,"quote":"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. ... submit photographs of loss or physical damage, wherever possible. ... You must support Your claim for Insured Property with Plans, specification books, vouchers, invoices pertaining to costs incurred by You for reconstruction/replacement/repairs. ... You must give Us authority to see the relevant records and get information about the Event and Your loss from the police or any other authority. ... You must give Us, when We request, any additional information that We require for verifying Your claim.","sources":[{"clause":"16(IV)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-16-iv-2"},{"clause":"16(IV)(b)(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-16-iv-b-i"},{"clause":"16(IV)(b)(ii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-16-iv-b-ii"},{"clause":"16(IV)(b)(iii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-16-iv-b-iii"},{"clause":"16(IV)(b)(iv)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-16-iv-b-iv"}],"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 claims.","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 ₹ 5,000 (Rupees Five Thousand) for each claim","Your deliberate, wilful or intentional act or omission, or of anyone on Your behalf, or with Your connivance","Loss, destruction or damage to the stocks in cold storage premises caused by change of temperature","Loss, or damage by spoilage resulting from the retardation or interruption or cessation of any process or operation caused by operation of any of the Insured Events","Your Premises or any Insured Building remaining continuously unoccupied for a period of more than 30 days","War, invasion, act of foreign enemy hostilities or war-like operations","Ionising radiation or contamination by radioactivity","Pollution or contamination","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 consequential or indirect loss or damage of any description","Costs, fees or expenses for preparing any claim"],"display":"Key exclusions include ₹ 5,000 excess per claim, deliberate acts, cold-storage temperature change, spoilage from interruption, premises unoccupied over 30 days, war, nuclear radiation, pollution, missing property, property removed from premises, consequential loss and claim preparation costs","note":null,"quote":"Excess of ₹ 5,000 (Rupees Five Thousand) for each claim. ... Your deliberate, wilful or intentional act or omission, or of anyone on Your behalf, or with Your connivance. ... Loss, destruction or damage to the stocks in cold storage premises caused by change of temperature. ... Loss, or damage by spoilage resulting from the retardation or interruption or cessation of any process or operation caused by operation of any of the Insured Events. ... Your Premises or any Insured Building remaining continuously unoccupied for a period of more than 30 days, unless You have obtained prior written approval from Us and such approval is recorded as an endorsement on the Policy. ... War, invasion, act of foreign enemy hostilities or war-like operations ... Ionising radiation or contamination by radioactivity ... Pollution or contamination, unless ... 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 consequential or indirect loss or damage of any description ... Costs, fees or expenses for preparing any claim.","sources":[{"clause":"4.8(c)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-4-8-c"},{"clause":"5","heading":null,"page":8,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-5"},{"clause":"6","heading":null,"page":8,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-6"},{"clause":"7","heading":null,"page":8,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-7"},{"clause":"8","heading":null,"page":9,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-8"},{"clause":"9","heading":"Pollution or contamination, unless","page":9,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-9"},{"clause":"11","heading":null,"page":9,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-11"},{"clause":"12","heading":null,"page":9,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-12"},{"clause":"15","heading":null,"page":9,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-15"},{"clause":"16","heading":null,"page":9,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#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 address the grievance to Edelweiss General Insurance Company through its touch points, customer support, Grievance Cell or Grievance Redressal Officer. The company says written complaints will be addressed within 14 days; if not satisfied or no response is received, the policyholder may approach IRDAI and then the Insurance Ombudsman after 30 days from registration of the complaint.","display":"Complain first to Edelweiss General Insurance Company, its Grievance Cell or Grievance Redressal Officer; company response within 14 days","note":null,"quote":"If You have a grievance about any matter relating to the Policy, or Our decision on any matter, or the claim, You can address Your grievance as follows: ... In case of any Grievance of the Complainant sent in a written communication to the Company at any of the touch points as mentioned, shall be addressed within 14 days of the receipt of the complaint. ... Please feel free to contact our Grievance Cell on Call us at: 1800 1200 216216 Email: grievance@edelweissinsurance.com ... The Grievance Redressal Officer Email: grievanceofficer@edelweissinsurance.com Call us at: 022 4931 4422 ... In case you are not satisfied with the response provided by the company or no response is received, you may approach the Insurance Ombudsman in your region for the resolution post 30 days from the date of registration of the complaint.","sources":[{"clause":"16(IV)(c)(iii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-16-iv-c-iii"}],"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","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 or overflowing water tanks/apparatus/pipes; sprinkler leakage; theft within 7 days caused by an insured event","note":"Terrorism cover is stated as coverage as per the attached Terrorism Clause.","quote":"We cover physical loss or damage, or destruction caused to the Insured Property by | We do not cover any 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 groundworks or excavations.\n7 | Bush fire, Forest fire, 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 (seven )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":"4","heading":"Special Meanings of Words","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-4"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"The standard excess is ₹ 5,000 for each claim. For terrorism risk, the excess is as per the attached terrorism clause: Shops & Residential Risks 1% of the claim amount subject to minimum INR 10,000 and maximum INR 500,000; Non-Industrial Risks 1% subject to minimum INR 25,000 and maximum INR 1,000,000; Industrial Risks 5% subject to minimum INR 100,000 and maximum INR 25,00,000.","display":"₹ 5,000 for each claim; terrorism risk excess as per terrorism clause","note":"Terrorism excess varies by risk category.","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. ... EXCESS* Shops & Residential Risks: 1% of the claim amount for each and every claim subject to Minimum of INR 10,000 and Maximum of INR 500,000 Non-Industrial Risks: 1% of the claim amount for each and every claim subject to Minimum of INR 25,000 and Maximum of INR 1,000,000 Industrial Risks: 5% of the claim amount for each and every claim subject to Minimum of INR 100,000 and Maximum of INR 25,00,000","sources":[{"clause":"4.8(c)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-4-8-c"},{"clause":"16(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-16-ii"}],"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. If you cancel, premium is refunded according to the short-period scale, with retention of 10% of annual premium for policy period not exceeding 15 days, 15% for not exceeding 1 month, 30% for not exceeding 2 months, 40% for not exceeding 3 months, 50% for not exceeding 4 months, 60% for not exceeding 5 months, 70% for not exceeding 6 months, 75% for not exceeding 7 months, 80% for not exceeding 8 months, 85% for not exceeding 9 months, and full annual premium for exceeding 9 months.","display":"Refund as per short-period scale: retention 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, full annual premium beyond 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:\nShort Period Scale\nPolicy Period | Retention % of Annual Premium\nNot Exceeding 15 days | 10%\nNot Exceeding 1 month | 15%\nNot Exceeding 2 month | 30%\nNot Exceeding 3 month | 40%\nNot Exceeding 4 month | 50%\nNot Exceeding 5 month | 60%\nNot Exceeding 6 month | 70%\nNot Exceeding 7 month | 75%\nNot Exceeding 8 month | 80%\nNot Exceeding 9 month | 85%\nExceeding 9 month | Full Annual Premium","sources":[{"clause":"16(III)(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-16-iii-a"},{"clause":"16(III)(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-16-iii-b"}],"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 Your Premises and locations shown in the Policy Schedule, but does not state a geographic territory such as India or worldwide.","quote":null,"sources":[],"law":[]},{"key":"property_covered","label":"Property covered","section":"Cover","meaning":"Building, stock, plant, machinery, contents.","status":"quote-verified","value":"The policy covers insured property relating to the insured business, where total value at risk across all insurable asset classes at one location is not exceeding ₹ 5 Crore at commencement. Insured Property means the Building, Plant and Machinery, Furniture, Fixture and Fittings, Stocks and any other Contents declared and insured under the policy and located in the premises unless specifically stated.","display":"Business insured property: building, plant and machinery, furniture, fixtures and fittings, stocks and other contents; value at risk at one location not exceeding ₹ 5 Crore","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":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-2-i"},{"clause":"4","heading":"Special Meanings of Words","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-4"}],"law":[]},{"key":"business_interruption","label":"Business interruption","section":"Cover","meaning":"Loss of profit while the business cannot run.","status":"quote-verified","value":"Business interruption loss is not covered. The policy excludes consequential or indirect loss, including loss by delay, loss of income or wages or earnings, loss of market or time, medical expenses, or costs not covered by the policy.","display":"Not covered; consequential or indirect loss including loss of income is excluded","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":9,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#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 type: raw material at landed cost at the premises, stock in process at input cost at the time of loss, and finished stock at manufacturing cost or Contract Price for goods sold but not delivered. Bullion, unset precious stones, curios, works of art, obsolete machinery and similar items are on Agreed Value basis subject to an acceptable valuation certificate.","display":"Reinstatement Value for building, plant and machinery, furniture, fixtures, fittings and other contents; stocks on landed cost/input cost/manufacturing cost or Contract Price; certain valuables on Agreed Value","note":null,"quote":"i) For Building, Plant and Machinery, Furniture, Fixture and Fittings and any other contents: Reinstatement Value ... 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.\niii. 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":"4(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-4-i"},{"clause":"4(a)","heading":"For raw material","page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-4-a"},{"clause":"4(b)","heading":"For stock in process","page":6,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-4-b"},{"clause":"4(c)","heading":"For finished stock","page":7,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-4-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 Sum Insured is insufficient for Reinstatement/Replacement value on the date of loss. The policy waives underinsurance upto 15%; if the applicable Sum Insured is less than 85% of the value of Insurable Assets, you bear a proportionate share of the loss. Underinsurance does not apply to Cover for Specific Contents.","display":"Average applies if Sum Insured is less than value; waived upto 15%, and if Sum Insured is less than 85% you bear proportionate 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.\n2. Every item of Insured Property is subject to this condition separately.\n3. Under this Bharat Sookshma Udyam Suraksha Policy, We will waive underinsurance upto 15%.\n4. If at the time of damage, the Sum Insured applicable to the relevant Buildings, Plant and Machinery, Furniture, Fixture, Fittings, Stocks and other Contents is less than 85% of the value of Insurable Assets You will be responsible for the difference and You will bear a proportionate share of the loss.\n5. Underinsurance will not apply to Cover for Specific Contents.","sources":[{"clause":"16","heading":null,"page":9,"url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722#c-16"}],"law":[]}],"documents":[{"kind":"wording","label":"Edelweiss General Insurance Company Limited, Bharat Sookshma Udyam Suraksha Policy (IRDAI copy)","pages":24,"fetched_at":"2026-10-20 01:34:19+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN159RP0020V01202021_GEN3921.pdf/eeafd4c8-eda3-20b8-7beb-3400e8040b33?version=1.1&t=1668329968444&download=true","url":"https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021/document/26722"}],"versions":[{"uin":"GEN3921","version":null,"approved_on":null},{"uin":"IRDAN159RP0020V01202021","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Zuno General Insurance official website","url":"https://www.hizuno.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":"Health claims","url":"https://www.hizuno.com/health-insurance/health-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.hizuno.com/claims-motor","note":null},{"purpose":"claim","kind":"insurer","name":"Other claims","url":"https://www.hizuno.com/other-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":"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":"Health renewal","url":"https://www.hizuno.com/renewals/health-renewal","note":null},{"purpose":"renew","kind":"insurer","name":"Motor renewal","url":"https://www.hizuno.com/renewals/motor-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":"Edelweiss General Insurance Company Limited, Bharat Sookshma Udyam Suraksha Policy (UIN IRDAN159RP0020V01202021), IndiaInsurances, https://indiainsurances.com/policy/zuno-general-insurance/edelweiss-general-insurance-company-limited-bharat-sookshma-udyam-suraksha-polic-irdan159rp0020v01202021"}