Buy Bharat Sookshma Udhyam Insurance Online

Micro businesses are the backbone of local commerce in India, and Aapka Policywala understands the unique challenges they face. That’s why we bring comprehensive Bharat Sookshma Udhyam Suraksha (BSUS) Insurance for shopkeepers and entrepreneurs running micro units across India. Gain peace of mind knowing you can weather unexpected storms and keep your shop or business running smoothly!

What is Bharat Sookshma Udyam Suraksha Policy?

Bharat Sookshma Udhyam Suraksha (BSUS) policy is a government-backed
insurance scheme designed specifically for small and medium-sized shopkeepers.
Recognizing the important role these businesses play in the Indian economy, this
initiative aims to provide financial security and safeguard them against
unforeseen events.

BSUS insurance offers complete coverage for your shop’s physical assets including
the building and its contents. This can include inventory, furniture, fixtures, and
even machinery (depending on your specific shop setup.) By opting for this
scheme, you gain peace of mind knowing that your business is protected against
various potential risks.

You can focus on serving your customers and keeping your shop thriving! Make sure you buy one from a trusted online insurance site in India to get all the benefits of this government insurance plan for micro businesses.

Key Benefits of Bharat Sookshma Udhyam Insurance

As a shopkeeper, choosing Bharat Sookshma Udhyam Insurance provides several advantages. In short words, it offers financial protection and peace of mind for your business. But if we talk in detail, well, here are key benefits to consider:
Financial Protection Against Unforeseen Events

BSUS safeguards your shop against various unexpected occurrences that could lead to significant financial losses. This includes coverage for natural disasters like fire, earthquakes, and floods. Even man-made events like theft, burglary, and even riots.

Affordable Premiums

This government insurance for small business owners is wholly designed to be accessible to SMBs. The premiums are relatively low compared to other commercial insurance options. Overall, it’s a financially viable solution to secure your shop.

Coverage for Shop's Contents

Beyond the physical structure of your shop, BSUS insurance covers the contents within. This can include your inventory, furniture, fixtures, and even basic machinery (given your shop's requirements.) This exhaustive coverage makes sure that you're protected against various potential losses.

Government-backed Scheme

Bharat Sookshama Udyam Suraksha policy is backed by the Indian government. Yes, you read it right! This means you’ll have an added layer of trust and reliability. You’re going to have a secure and dependable insurance solution for your shop. Simply put, you can focus on running your business with confidence!

Who Can Benefit from This Government Insurance Policy?

As we mentioned before, Bharat Sookshma Udhyam Suraksha insurance policy is specifically designed to cater to small and medium-sized shopkeepers in India. However, your business needs to meet the following criteria to be eligible for this insurance by government:
  • Value of Business Assets: The total value of your shop’s assets (including the building, inventory, and equipment must not exceed ₹5 crore at the time of policy purchase.
  • In-Built Covers – Property Ownership: You can be eligible for BSUS insurance if you are:
    • The owner of the place you use for your shop.
    • A tenant or lessee who is legally permitted to operate a commercial business on the premises.
Aapka Policywala strives to provide transparency in insurance coverage. Here’s a breakdown of what’s included and excluded in the Bharat Sookshma Udhyam Suraksha policy:
Covered Events (Inclusions)
  1.  Fire and Allied Perils: This includes damage caused by fire, lightning, explosion, and implosion.
  2. Natural Disasters: BSUS covers losses arising from events like earthquakes, floods, storms, and landslides.
  3. Impact Damage:  Coverage extends to damage caused by the impact of a motor vehicle, aircraft, or any external object.
  4.  Riots, Strikes, and Malicious Acts: The policy covers damage caused by riots, strikes, and other acts of vandalism.
Excluded Events (Exclusions)
  1.  Breakdown and Wear & Tear: Bharat Sookshma Udyam Suraksha policy doesn’t cover damage caused by the wear and tear of equipment, machinery breakdown, or electrical/mechanical malfunctions.
  2. Construction Activities: Any damage arising from alterations, renovation, or excavation near your shop is excluded.
  3. Owned Vehicle Damage:  Damage caused by a vehicle belonging to you, your employees, or anyone associated with the insured shop is not covered.
  4.  Illegal Activities: The policy excludes losses resulting from illegal activities conducted on the insured property.
This is a general overview! Specific inclusions and exclusions may vary depending on the chosen BSUS plan and insurance provider.

Why Us for Bharat Sookshma Udhyam Insurance?

While BSUS insurance policies can be bought on a lot of insurance buying and
renewing platforms including government ones, Aapka Policywala stands out as
your ideal partner for securing complete and affordable protection for your shop.
Here’s why:

  • Simplified Process and Expert Guidance:We understand that navigating
    insurance options can be overwhelming. Aapka Policywala offers a user
    friendly online platform and a dedicated team of insurance professionals to
    guide you through the process.
    We’ll explain your BSUS options clearly, answer your questions, and help
    you choose the right plan that aligns perfectly with your shop’s needs.
  • Competitive Rates and Flexible Plans: We are committed to providing you
    with the best value for your money. We partner with leading insurance
    companies to offer competitive rates on Bharat Sookshma Udyam Suraksha
    plans. We make sure you get the necessary coverage without exceeding
    your budget.
    Additionally, we offer a variety of BSUS plan options to cater to the diverse
    needs of different shop types and sizes.
  • Hassle-Free Claims Assistance: In the unfortunate event of a covered
    incident, Aapka Policywala is here to support you! We will guide you
    through the claims process, assist with necessary documentation, and
    advocate on your behalf to ensure a smooth and efficient claim settlement.
    This will minimize disruption to your business. Also, it will allow you to
    focus on getting your shop back on track quickly.
  • Dedicated Customer Support: Your satisfaction is our top priority. We offer
    exceptional customer service throughout your BSUS insurance policy
    buying or renewing journey. Our team is readily available to address your
    concerns, answer your questions, and provide ongoing support whenever
    you need it.
  • Building Trustworthy Partnerships: At Aapka Policywala, we are all about
    building long-term relationships with our clients. By offering personalized
    service, competitive rates, and comprehensive BSUS insurance solutions,
    we strive to be your trusted partner for all your shop’s insurance needs. 


    Other than Bharat sookshma udyam Suraksha policy, thousands of micro and small business owners also trust Aapka Policywala for Bharat Laghu Udyam Suraksha insurance, bharat griha raksha insurance, and goods carrying insurance plan  in India.

What Customers Say About Us?

“Since I started my small clothing boutique, I knew I needed some kind of insurance. But I wasn’t sure where to start. Aapka Policywala made everything so easy! They explained the BSUS policy clearly and helped me find the perfect plan for my shop. Now I have peace of mind. Thank you, Aapka Policywala!”

Meena Devi

“As a small grocery store owner, I can’t afford to have anything happen to my shop. Aapka Policywala’s Bharat Sookshma Udhyam Suarksha policy is a lifesaver! It covers everything from natural disasters to riots, which is a big concern in our city. Highly recommend this platform to any shopkeeper looking for reliable and affordable insurance.”

Rajesh Kumar

“Compared different providers before choosing Aapka Policywala for my BSUS insurance. Ngl, it offered the most competitive rates and a wider range of plan options which was important for me. Its online platform is also very user-friendly, making it easy to manage my policy and file claims. Totally happy with the service I’ve received so far!”

Amit Patel

“Mujhe nahi pata tha ki Bharat sarkar ka bhi ek business insurance hai. Mujhe Aapka Policywala ke POSP agent ne guide kiya aur sara process samjhaya. Maine insurance leke apne kirane ki dukaan ko secure kiya. Shukriya ”

Rani Kapoor

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