Commercial Insurance

The insurance landscape is constantly changing. From large multinational organizations to small businesses, we offer comprehensive commercial insurance solutions to fit your needs. By working with you to understand your business, goals and objectives, we understand gaps in current coverage and insurance placement.

We work with you to create a solution that works for you, through our risk assessment approach and backed by a team which has decades of experience with marquee names in the insurance industry. Our team’s collective experience and exposure to different instances of coverages and claims treatment enables us to to advise on customized insurance policy wordings with our claims and underwriting partners.

For Employees

With us, you will find that your people are our business! Our seasoned professionals will help you optimize your employee insurance programs. We have you covered to meet all objectives of your health insurance program, be it for improving employee attraction and retention, or disseminating information and expediting policy servicing by thoughtful and technology led customer centric solutions


Property and Engineering

We feel that every business is unique and needs a unique approach to assess and manage risk exposures. Our team works with you to understand each risk exposure and recommends a tailored solution.



We understand risks across different cargo types, modes of transit (road, rail, sea, air) and supply chain partners. We are proficient in securing a tailor-made coverage that works for your transit risks and help understand how marine insurance premiums can fit into your total cost of risk and measures that can be taken to drive profitability



Third party lawsuits can mean mounting legal expenses, which can jeopardize the financial health of a company. In today’s interconnected world, these expenses can be huge if customers and/or operations are in different parts of the world. We work with you to tailor a plan across commercial and casualty lines to optimize your coverage.


Trade Credit

Trade receivables are a vital business asset, which are also subject to risk of default in payments from customers. We understand your requirements and help with coverage to assist in smooth cash flows and lower bad debt



Specific insurance plans are there for trade practitioners such as shopkeepers, freight forwarders, jewelers as well as professionals such as CAs, doctors etc. Some of these are customized liability products for a specific profession and some are package policies that span across liability and property insurance. We help you navigate the specific risks facing your enterprise and tailor a packaged plan that works for you.



How is Commercial Insurance Different from Individual Insurance?
Commercial insurance is taken by a business to cover risks that it is exposed to as an organization, spanning its employees, business assets, third party liabilities etc. This is in contrast with individual insurance which is taken by individual policyholders to secure themselves, their families or their belongings (motor vehicles, home etc.)
Can I change policy terms and conditions after buying Commercial Insurance?
Yes, you can! A suitable request is given to the underwriting and claims partner to amend the existing policy. The amendment is issued in the form of an endorsement.
Can I buy commercial insurance policies from anyone?
No, only intermediaries who hold a valid license by IRDA (Insurance Regulatory Authority of India) can advise on commercial insurance products. Insurance companies registered with the IRDAI can cover the risk. Policy terms and conditions, premium can vary significantly across insurers for the same risk. Blue Armour Insurance Brokers can advise you for coverage terms as well as premium rates across the process.

Direct Broker (General), IRDA License No 728 (Valid upto 25th August, 2023), Bluearmour Insurance Brokers Private Limited, CIN: U66000HR2019PTC084231