Protect Your People and Your Business
From group health cover for your team to property and liability protection for your operations, we help businesses compare options from multiple insurers and put together a programme that fits their size, sector and budget.
What Is Corporate Insurance?
Corporate insurance covers two things: the people who work for your business and the business itself. Employee benefit covers such as group health and group term life look after your team and their families. Business covers such as fire, marine and liability insurance protect your premises, stock and balance sheet when something goes wrong.
A well-designed programme helps you attract and retain talent, meet contractual and statutory requirements, and avoid a single incident turning into a financial crisis. We help you understand the options, compare quotes from insurers, and manage renewals and endorsements as your business grows.
Covers for Your Team
Group policies cover all eligible employees under one master policy. Premiums per person are often lower than individual policies, and cover usually starts from the date of joining.
Group Health Insurance
Covers hospitalisation expenses for employees and, if you choose, their spouses, children and parents. Terms such as pre-existing disease waiting periods are often more relaxed than in individual policies, subject to the insurer's terms.
- Cashless treatment at network hospitals
- Optional family and parental cover
- Maternity and day-care options
- Top-up and voluntary add-ons
Group Term Life Insurance
Pays a lump sum to the nominee of an employee who passes away during the policy period. Cover can be a flat amount or a multiple of salary, set by your benefits policy.
- Flat or salary-linked cover
- Covers all eligible employees
- Simple enrolment process
- Can support statutory or loan-linked needs
Group Personal Accident
Pays a benefit for accidental death, permanent disability or temporary disability. This is especially relevant for teams that travel, work on field duties or operate machinery.
- Accidental death benefit
- Permanent total and partial disability
- Weekly benefit for temporary disability
- 24x7 worldwide cover options
Covers for Your Business
Every business carries different risks. These are the covers companies most often consider. Final terms, exclusions and premiums are set by the insurer after underwriting.
Fire & Property
Protects buildings, plant, machinery and stock against fire, natural calamities and allied perils. Business interruption add-ons can cover lost profits during the repair period.
Marine Cargo
Covers goods in transit by sea, air, rail or road, both domestic and international. You can choose single-transit or annual open policies, depending on your shipping volumes.
Workmen's Compensation
Covers the employer's legal liability to compensate employees for injury or death arising out of and in the course of employment, as required by the Employees' Compensation Act.
Liability Covers
Commercial general liability (CGL), product liability, professional indemnity and Directors & Officers (D&O) cover protect against third-party claims and legal costs.
Key-Person Insurance
A life cover taken by the business on a founder or critical employee. The payout helps the business manage disruption, repay loans or find a replacement.
Specialty Covers
Cyber, fidelity guarantee, money insurance and engineering covers address specific exposures. We help you work out whether any of these are relevant to your operations.
Is Corporate Insurance Right for Your Business?
Startups, SMEs, professional firms and larger corporates all benefit from a structured insurance programme. The right mix depends on your headcount, assets, contracts and the risks your industry faces.
The main risk is being underinsured. Covers bought on price alone, with low sums insured or narrow terms, can leave large gaps exactly when you need protection. We help you read the fine print before you sign.
Our Process
Understand
We review your team size, assets, contracts and current policies to map your exposures.
Compare
We source quotes from multiple insurers and explain the differences in cover, exclusions and premium.
Place
Once you choose, we help with proposal forms, employee data and policy issuance.
Service
We support additions, deletions, endorsements, claims and annual renewals throughout the year.
Have questions about Corporate Insurance?
Speak to our team — no obligation. We'll explain the options, risks and costs.
Common Questions About Corporate Insurance
What is the minimum team size for group health insurance?
Can employees continue group health cover after leaving the company?
Is group term life a substitute for an individual term plan?
Do we have to buy every cover listed here?
Who decides whether a claim is paid?
WealthBay Private Limited — AMFI-registered Mutual Fund Distributor, ARN-29566. WealthBay acts as a distributor of third-party financial products and earns commissions from product providers. Please read all scheme / offer documents carefully before investing.
Build an Insurance Programme for Your Business
Tell us about your team and operations, and an advisor will walk you through suitable covers and quotes from multiple insurers.