Bharat Sookshma Udyam Suraksha (BSUS)

Bharat Sookshma Udyam Suraksha (BSUS) is a Fire and Allied Perils Insurance product available in India that protects SMEs against loss due to fire, explosion, natural calamities, malicious activity, and much more.


You can opt for a BSUS policy if your business’s total insurable assets at any one location are worth less than or equal to ₹5 Crore


Watch the video to know more

What does BSUS cover?


Building and attached structures like:

  • Garages
  • Fences
  • Lifts
  • Security systems

Plant and Machinery including:

  • Computers
  • System software
  • Pipes
  • Cables

Stock of goods or merchandise including:

  • Finished goods
  • Stock in process
  • Raw materials
  • Stock held in trust or stored in open

Other Assets like:

  • Furniture
  • Fixtures
  • Electronic equipment
  • Canteen equipment


Fire, Lightning, Explosion & Aircraft damage

Earthquake, Landslide or Volcanic eruption

Riots, Strikes & Malicious damage

Missile testing operations

Theft within 7 days of a covered event

Forest fire, Bush-fire

Storm, Tempest, Flood or Inundation

Impact or Collision damage by an extenal object

Acts of Terrorism (in accordance with the Terrorism Clause)

Leakage from automatic sprinker installations

Why opt for a BSUS policy?

  • Protection For All Assets

    It covers everything from your building and structures, to your machinery and stock, and to your office equipment under one policy.

  • Comprehensive Risk Coverage

    It offers safety from an exhaustive range of risks and perilous events, including terrorism and natural disasters

  • Additional Covers

    It offers many in-built covers for no extra premium. These include start-up expenses, professional fees, costs compelled by municipal regulations, movable stocks, and much more.

Learn about Bharat Sookshma Udyam Suraksha (BSUS) in detail HERE

If your business’s total insurable assets at any one location are worth more than ₹5 Crore , you may want to consider opting for a Standard Fire and Special Perils (SFSP), or a Bharat Laghu Udyam Suraksha (BLUS) Insurance policy!


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