A business can survive a bad quarter. It’s harder to recover from a warehouse fire, a factory flood, or a burglary that wipes out months of inventory. Physical assets are often the backbone of a business and when they’re damaged or destroyed, the financial impact can be immediate and severe.

At MPG Insurance Broking LLP, we’ve been helping businesses in Mumbai protect their properties and assets for over 125 years. We know how to assess what needs covering, how to structure it correctly, and how to make sure your policy actually pays when you make a claim.

Property Insurance Solutions We Advise On

Fire & Special Perils Insurance

This is the foundation of any commercial property insurance programme. Fire and special perils cover protects your building, contents, plant and machinery, and stock from damage caused by fire, lightning, explosion, storm, flood, earthquake, aircraft damage, and a range of other perils. We advise on the correct sum insured — underinsurance at claim time is one of the most common and costly mistakes businesses make.

Burglary & Theft Insurance

Standard fire policies don't cover theft. A separate burglary policy protects your business against loss of assets due to break-in or theft covering stock, cash, equipment, and business assets. For businesses in jewellery, retail, or manufacturing with high-value inventory, this cover is essential.

Loss of Profit Insurance (Business Interruption)

When a fire or other insured peril forces your business to shut down even temporarily the financial impact doesn't stop at the repair bill. You still have salaries to pay, loan commitments to meet, and revenue that isn't coming in. Loss of Profit (LOP) insurance covers your net profit and fixed expenses during the period of business interruption. It's the cover that keeps your business alive while you rebuild.

Industrial All Risk (IAR) Insurance

For manufacturing units, factories, and industrial facilities, an Industrial All Risk policy provides broad form property protection covering material damage and often business interruption under a single comprehensive programme. It's designed for operations where standard fire cover isn't adequate for the scale and complexity of exposure.

Electronic Equipment Insurance

Servers, medical equipment, industrial machinery, and high value electronics have specific insurance requirements that a standard property policy often doesn't address well. Electronic equipment insurance covers damage, breakdown, and depending on the policy the cost of data reconstruction.

Why Accurate Sum Insured Matters More Than Premium

Most property insurance disputes don’t happen because of fraud or bad faith. They happen because a business was underinsured covered for what the property cost five years ago, not what it would cost to rebuild or replace today.

We carry out a structured review of your assets before recommending coverage levels. That extra step at the start is what prevents an unwelcome surprise when you’re filing a major claim.

Protect what you've built. Talk to MPG about your property cover.

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