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Suraksha Saathi
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MSME Insurance Navigator

Your business risk, audited in 20 minutes by an expert.

Sector-specific risk templates for textile, pharma, food, retail, IT. Prioritized recommendations. Annual review retainer.

Coming soonPaid
The problem

Here's what's hidden — and why the market won't tell you.

  1. 01

    62 million MSMEs in India. 85% have no insurance cover per IRDAI data. Only 3% have any form of SME-specific insurance.

  2. 02

    MSMEs are too small for corporate brokers (Marsh, Aon) and too complex for comparison widgets — nobody serves the ₹1–10 crore revenue business owner.

  3. 03

    Cyber insurance growing at 28% CAGR. Digital exposure is outpacing coverage.

What you'll get

Clear answers, in language you actually recognise.

  • Sector-specific risk audit — textile, pharma, food processing, retail, IT services have distinct risk profiles.

  • Prioritised coverage stack — which lines to buy in what order, estimated premium bands.

  • Annual review retainer — trigger-based re-audits when you add machinery, employees, warehouses, or export contracts.

  • Claim support for business events — fire documentation, liability dispute navigation, group-health-claim support.

How it works

In two minutes — no forms, no agents, no waiting.

  1. 01
    Take the 20-minute risk audit

    Sector, revenue, headcount, assets, footprint. Structured questionnaire — expert-led, not automated.

  2. 02
    Get your coverage stack

    Ranked list of risks + matched coverage + estimated premium ranges. We explain the reasoning.

  3. 03
    Renew annually

    Every trigger event (new machine, new warehouse, new export contract) prompts a re-audit. One subscription covers it.

Who it's for

For anyone who's never read the fine print — which is most of us.

  • The 30-employee textile mill owner

    You have a fire risk, an employee liability exposure, and a cyber risk on your GST filings. You don't know what to prioritise. We rank it for you.

  • The pharma distributor

    Product liability is your biggest exposure, but nobody has explained what that means. We map the real risk + coverage.

  • The new SaaS startup

    10 employees, growing fast, cyber + D&O + key-man life are all in play. We help you sequence by exposure and budget.

Your questions
Do you sell insurance?
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No. We audit the risk, recommend the coverage stack, and refer you to the right insurer. You buy directly from the insurer; we never take a commission on a placement.
Is this worth ₹2,000?
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For a 30-employee mill, the typical placement premium after an audit is ₹25–50 lakh. A 1% mis-spec on that is ₹25–50k lost. The audit pays for itself many times over.
What we don't do
Advisory-only

We never place your policy or take a broker cut. IRDAI-registered advisory model.

Your data, your control

Granular consent toggles. Export or delete everything any time. Enforced in product.

Indian servers

Your documents never leave India. Auto-delete at 7 days unless you save.

No insurer linkage

We don't share your policy with any insurer — ever. Not even anonymised.

Join the waitlist

Launching in the next phase. Risk audit ₹2,000–5,000 + annual review retainer ₹5,000–15,000. Join the waitlist.

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