• Our Location:

    Bangalore, Karnataka, India
  • Opening Hours:

    Mon - Sat : 9:30AM - 6:30PM
  • Talk to an advisor:

    +91 98867 32132
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Risk Assessment
& Advisory

We invest the time to understand the core business issues first, then advise on the right kind of policy coverage on the best possible terms.

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Right Cover,
Best Terms

A large network of insurance providers and the ability to scout the best possible deals means your cover is sized to the risk, not to a template.

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Claims Handling
Support

The link between the product and the claim is where most policies fail. We stay with you through settlement so the cover actually pays.

350
+
Satisfied Clients

Trusted by small and medium businesses across India since 2012, from five-person startups to 100+ employee organisations.

Client Client Client Client
Liability Insurance Expertise
95%
Rajasekar T., Founder

About Us

We're knowledgeable about making your benefits higher

The subject of insurance is always surrounded by a myth. The link between the product and claims has never been explicit, leading to disputes and dissatisfaction with customers. Insurance, rather than an investment, has always been looked at as an obligation.

We think young India should have clarity and understanding of its risks, and should evaluate and buy the right covers — thereby guaranteeing a long run in their respective area of excellence.

  • Liability insurance specialists
  • Wide network of insurance providers
  • Hands-on claims settlement support
  • Advice grounded in your actual contracts
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Our Products

Protect what matters most with our comprehensive coverage

Liability
Cyber
D&O
Indemnity
Employee
Benefits
Liability
Cyber
D&O
Indemnity
Employee
Benefits

Get free quote

Get an insurance quote to get started

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Our Clients

Trusted by businesses that build things

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Tarnea logo
Nviro logo
S Bhat logo
Difacto logo
Forte logo
Celliber logo
Advarra logo
Advisory Advisory
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Why Choose Us

Why you should choose our insurance

  • We explain the subject properly

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    Insurance in India has long been surrounded by myth. We make the link between the product and the claim explicit before you sign, not after.

  • Liability is our specialism

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    Commercial General Liability, Professional Indemnity, D&O and Cyber are not a sideline for us. It is the competence the practice was built around.

Industries Insured

Industries we cover

IT, ITES & BPO
Technology

IT, ITES & BPO

Technology and services firms carry contractual liability, professional indemnity and cyber exposures that move with every client agreement signed.

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Manufacturing Industries
Manufacturing

Manufacturing Industries

Plants combine product liability, workmen's compensation and property risk in one place, and each needs to be sized to the actual operation.

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Hospitality Sector
Hospitality

Hospitality Sector

Hotels and restaurants face public liability, food safety and guest injury claims alongside the usual property and employee exposures.

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Construction & Engineering Sector
Construction

Construction & Engineering Sector

Contract works, erection all risk and third-party liability need to line up with the obligations written into the contract itself.

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Pharmaceutical Industry
Pharmaceutical

Pharmaceutical Industry

Product liability, clinical trial and recall exposures sit on top of a regulatory environment that leaves very little room for gaps.

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Construction, Infrastructure & Engineering
Infrastructure

Construction, Infrastructure & Engineering

Large infrastructure programmes need layered liability, surety and project specific covers that hold up across long build timelines.

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350
+
Clients
10
k+
Settled Claims
100
+
Awards
758
Client Reviews 4.9★ Google  |  4.8★ Just Dial

Leadership Team

The people behind the advice

Rajasekar T.

Rajasekar T.

Founder

An Engineering graduate with a Fellowship in Insurance and over 20 years of experience in the Automotive & General Insurance industry. He carries in-depth knowledge on various aspects of Corporate Insurance and has worked in various capacities with leading General Insurance companies in India. Rajasekar specialises in building Liability Insurance competence and client engagement delivery for SME Insurance India.

Vijay Narayan V

Vijay Narayan V

Director

A post graduate in Marketing with the ability to create service excellence, Vijay Narayan V has 17 years of experience across the Insurance and Telecom sectors, with valuable experience in General Insurance. He specialises in understanding and analysing the business needs of clients, with an extensive ability to customise optimal solutions through professional financial insight.

Testimonials

What our customers say about us

I would like start by saying that we at Celliber always receive outstanding Customer Service from SME Insurance India as our health and life insurance partners. Our relationship goes a long way back to 2012 when we were just 5 employees and till date it remains a fruitful partnership which keeps our 100+ employees happy and satisfied with their prompt and efficient service. All the staff at SME Insurance are extremely courteous and helpful and we are all very thankful for their support.

Amit Singh
Director — Celliber Technologies Pvt Ltd

SME Insurance India is a rare breed of Insurance experts. Their ability to understand business risks in their multifarious forms is quite amazing. They invest a lot of time to understand the core business issues and advise businesses on the right kind of policy coverage on the best possible terms. They have a large network of insurance providers and the ability to scout the best possible deals. They are prompt, efficient and thorough in their work and advice.

Suresh Satyamurthy
Director — Tarnea Technology Solutions Pvt Ltd

We have been dealing with SME Insurance India for last 5 years and we are extremely happy with their services. They have always been prompt in providing us the services and have gone beyond their call of duty to get our claims settled wherever required. They have been very professional in helping us choose our insurance companies after thorough research according to our requirements.

Srini
Director — Navo Inc

As a practicing chartered accountant, we deal with a variety of customers who request our support in managing their business risk too, especially in terms of contract works where clients abroad require certain Liability policies. Whenever we face such a request, our search for the right solution ends at SME Insurance India. They have not only offered the right solutions at competitive prices but also have ensured that the claims are handled flawlessly and settled on time every time.

Shrinvas Bhat, B.Com, C.A. LLB
Partner — Synastus Multiconsulting LLP

Advarra has been associated with smeinsuranceindia.com since 2012. People at SME Insurance are good at understanding the needs of our employees and the organizational insurance policies, and work with different insurers to get us the best possible terms and pricing. Other than just our insurance needs, they have provided some value added services to our employees. We look forward to continue to work with them.

Vinay Kumar N V
Director — HR and Administration, Advarra

We had referred SME Insurance to our multiple customers, where the customers had received great services experience from the entire team of SME Insurance at all levels. Their understanding of the insurance subject and offering right solutions for business risk is highly appreciable. We will be more than happy to recommend their services to our other customers.

Henry Amalaraj
Founder Director — Bizzserver Financial Services

Blog & Insights

Get exclusive industry insights with our blogs

When Shareholders Sue the Board – Who Protects the Directors?
D&O Insurance  •  May 14, 2026

When Shareholders Sue the Board – Who Protects the Directors?

Minority shareholders today are more aware, more vigilant, and quicker to take legal action.

Read More
Hospital Hacks, Lives on Hold – Cyber Security Insurance
Cyber  •  May 15, 2026

Hospital Hacks, Lives on Hold – Cyber Security Insurance

A major Indian hospital's radiology server was hit by ransomware — and everything stopped.

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E-Commerce Data Leak – Cyber Security Awareness
Cyber  •  May 14, 2026

E-Commerce Data Leak – Cyber Security Awareness

When customer data leaks, trust is the first casualty. A fast-growing D2C brand learned it the hard way.

Read More
Workmen's Compensation vs Group Personal Accident Insurance
Employee Benefits  •  May 10, 2026

Workmen's Compensation vs Group Personal Accident Insurance

Two covers that look similar on paper and behave very differently at claim stage.

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School Risk Management – GPA & General Liability Insurance
Liability  •  May 10, 2026

School Risk Management – GPA & General Liability Insurance

Why schools need Group Personal Accident and General Liability insurance, and what begins as a small incident can become.

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Underperformance Risks and D&O Insurance
D&O Insurance  •  May 10, 2026

Underperformance Risks and D&O Insurance

Employee terminations are increasingly emerging as a significant legal and reputational risk for companies.

Read More