SecureBima IRDAI-licensed insurance broker  /  Aapka Digital Bima Dost

Corporate insurance for founders, startups and small businesses

The cover your investors and enterprise clients will ask for.

I place and service liability, asset, employee benefit, project and marine insurance for companies small enough for the founder to read the wording.

Message me on WhatsApp Book a call
+91 98731 37811 saransh.mittal@securebima.com
Your cover map

One shield around the company

Liability cover is where most founders start. A company also owns assets, employs people, runs projects and moves goods, and each of those needs its own policy. I place all five.

Send me what your company does and I will map it
An insurance shield around a company A shield split into five segments: liability, assets, employees, projects and marine. YOUR COMPANY Liability D&O · Cyber · PI / E&O · CGL Claims against the company Assets Premises, stock, plant Employees Health, accident, life Projects CAR / EAR, bonds Marine Cargo in transit
Liability

Liability, in detail

Wordings differ between insurers. These are the points I read before anything else.

D&O

Directors & Officers liability

Responds when a director or officer faces a claim for a wrongful act in running the company. Claimants can include investors, creditors, regulators and employees. The policy pays defence costs and settlements up to the limit of liability, and protects personal assets when the company cannot indemnify.

I checkThe retroactive date, the retention and the insured-versus-insured exclusion, which matters when co-founders fall out.
Ask about D&O on WhatsApp
Cyber

Cyber liability

Responds after a ransomware attack or a data breach. It pays for forensic investigation, restoring systems and data, notifying affected people and the income lost while systems are down. It also answers third-party claims after personal data leaks.

I checkThe waiting period on business interruption, the sublimit for social engineering and the security controls the proposal form asks you to warrant.
Ask about Cyber on WhatsApp
PI / E&O

Professional Indemnity and Errors & Omissions

Responds when a client alleges that your advice, software or service caused them a loss. It suits software firms, agencies and consultancies, and pays defence costs and damages up to the limit.

I checkThe contractual liability wording, the retroactive date and how the policy treats a client's demand for a refund.
Ask about PI / E&O on WhatsApp
CGL

Commercial General Liability

Responds when someone outside the company claims bodily injury or property damage caused by your premises or operations. It pays legal costs and compensation up to the limit.

I checkThe exclusions for products and professional advice, and how the policy defines a third party.
Ask about CGL on WhatsApp
Beyond liability

Assets, people, projects and cargo

The same desk places the covers that protect everything else the company depends on.

Assets

Fire & Special PerilsBurglaryMachinery BreakdownElectronic Equipment

Covers what the company owns: premises, stock, plant, machines and electronics. Fire and Special Perils responds to events such as fire, flood and storm. Burglary and Machinery Breakdown sit alongside it.

Ask about asset cover on WhatsApp
Employee benefits

Group HealthGroup Personal AccidentGroup Term Life

Covers the people who work for the company. Group Health pays hospitalisation costs for employees and often their families. Group Personal Accident pays on accidental death or disability. Group Term Life pays a lump sum to the family.

Ask about employee benefits on WhatsApp
Projects

CAR / EARSurety Bonds

Covers construction and installation work. CAR / EAR, Contractors' All Risks and Erection All Risks, protects the works while they are built or installed. A Surety Bond can stand in for a bank guarantee on performance or advance payment, which keeps working capital free.

Ask about project cover on WhatsApp
Marine

Marine CargoStock Throughput

Covers goods in transit by road, rail, sea or air. Marine Cargo protects a shipment from dispatch to delivery. Stock Throughput covers stock at the warehouse and on the move under one policy.

Ask about marine cover on WhatsApp

After the policy is issued

Claims first

I ask what a claim would look like before I recommend a policy.

SecureBima has a dedicated claims team, with consultants on call for complex cases. The team brings more than 50 years of combined claims-handling experience.

Policies in one place

Renewals and claims run from one system.

I have built software that lets a client manage renewals and claims servicing in-house. A founder does not have to dig through email for a policy number or a renewal date.

Your specialist

Saransh Mittal

Corporate Insurance Expert at SecureBima. I hold the Fellowship of the Insurance Institute of India and have held senior leadership roles in corporate insurance, scaling gross written premium. I began my career in IT consulting.

₹118 Cr+of insurance placed through SecureBima in FY26
30+insurers on the panel, life and general
FIIIFellow, Insurance Institute of India
Sectors IT and ITES, startups and D2C, pharmaceuticals, logistics, BFSI, food processing and manufacturing. General insurers ICICI Lombard, Bajaj Allianz, TATA AIG, HDFC ERGO, IFFCO Tokio, Go Digit, Liberty General, Generali Central, Royal Sundaram, Universal Sompo and the four PSU insurers.