For SMEs & enterprises
One broker for every business insurance need.
From group health for a 20-person startup to fire and liability for a 500-crore manufacturing plant, a Klaro Care relationship manager handles it.
Commercial lines we broker
Bespoke wordings, multi-insurer panel negotiations, claims advocacy on your behalf.
Group health
Medical cover for your employees and their families — on one monthly bill.
- 10+ employees
- Pre-existing diseases Day 1
- Cashless at 14,000+ hospitals
Group term life
Income replacement if an employee passes away during service.
- Up to ₹1 Cr per life
- Single annual premium
- Spouse + children optional
Fire & allied perils
Property, stock, plant & machinery protected against fire and named perils.
- Reinstatement value basis
- Add terrorism, earthquake
- Custom excess levels
Professional liability
E&O / D&O cover for SMEs, consultants, IT firms, and professional practices.
- Errors & omissions
- Legal defence costs
- Worldwide territory
Cyber liability
Incident response, regulatory fines, business interruption from cyber events.
- 24×7 incident hotline
- PR + forensics reimbursed
- DPDP-aligned
Marine & transit
Cargo and in-transit protection — inland, import, export.
- Warehouse-to-warehouse
- Open-cover policies
- Instant certificates
Industries we work with
IT services
Manufacturing
Healthcare
Retail & e-commerce
Logistics
Construction
Hospitality
Education