Property Insurance
Get property cover that matches your asset value, premises type, construction, location, and insurer requirements.
HDFC ERGO
Bajaj Allianz
ICICI Lombard
Iffco Tokio
SBI General
Kotak Zurich
Raheja QBE
TATA AIG
Liberty General
Cholamandalam
Shriram General
Reliance
Go Digit
What protects your property. What doesn't.
This section explains common covered and not-covered areas before property loss turns into a claim.
- Covered01 / 10
Fire accidents
Covers loss or damage caused by fire accidents, helping you rebuild, repair, or restore insured property after a covered event.
- Covered02 / 10
Thefts and burglaries
Covers losses from theft or burglary, helping reduce the financial impact when insured property or belongings are stolen.
- Covered03 / 10
Electrical breakdown
Covers sudden expenses caused by electrical breakdown of covered appliances, equipment, gadgets, or business-use electronics.
- Covered04 / 10
Natural calamities
Covers loss or damage caused by covered natural events such as floods, earthquakes, or similar insured calamities.
- Covered05 / 10
Alternate accommodation
Covers temporary accommodation costs when your insured property becomes uninhabitable due to a covered peril.
- Covered06 / 10
Accidental damage
Covers accidental damage to insured fittings, fixtures, contents, or property items.
- Covered07 / 10
Riots, strikes, and malicious damage
Damage to property caused by riots, strikes, or malicious damage.
- Not covered08 / 10
Authority-ordered damage and misrepresentation
Loss caused by public authority orders, or claims involving deliberately omitted or misrepresented important facts, is not covered.
- Not covered09 / 10
War, nuclear, and pollution risks
Losses caused by war, nuclear contamination, radiation, pollution, or environmental contamination are excluded.
- Not covered10 / 10
Unproven costs and occupancy exclusions
Missing property without clear evidence, claim preparation costs, and damage to excluded occupancy or construction types are not covered.
Disclaimer: Explanations in "What's Included" are illustrative and subject to the Policy's terms, conditions, and exclusions. Refer to the Policy Document for details.
Property cover should not be a guessing game.
Most insurance journeys stop at quote comparison. Mitigata studies your property, finds suitable options from top insurance providers, explains the fine print, and supports you when claims need speed.
Quote first. Questions later.
- 01·Price
Premium gets compared before property risk is understood.
- 02·Wording
Exclusions appear only when the claim gets serious.
- 03·Claims
Documents bounce between teams, brokers, and insurers.
- 04·Support
After purchase, help becomes slow and unclear.
Risk checked. Cover matched. Support stays.
- 01·Assess
We review location, assets, occupancy, and exposure.
- 02·Match
Top insurers are compared for wording, fit, and price.
- 03·Claims
24/7 support helps claims move without chaos.
- 04·Honest
We explain limits clearly and never overpromise.
The nearby risks worth covering too.
Some losses sit outside property wording. These covers help close common protection gaps for business premises.
Commercial General Liability Insurance
Broader business liability cover for third-party bodily injury, property damage, advertising injury, legal defence, and completed operations.
Public Liability Insurance
Protects businesses from third-party claims linked to accidental injury, property damage, lawsuits, investigations, and settlements.
Workmen Compensation Insurance
Covers employees for work-related injuries, illnesses, lost wages, rehabilitation costs, and death benefits.
Estimate your premium before the sales call does.
Pick your industry, team size, and preferred cover. Get a quick premium estimate without forms, follow-ups, or the classic "we'll get back to you."
This is an estimated quote. Final quote depends on full risk profile, coverage limit, prior claims, controls in place, and insurer underwriting.
The "do we need Property Insurance?" section.
- Property Insurance protects insured buildings, contents, stock, fittings, and business assets from covered loss or damage.
- Yes, it may cover loss or damage caused by covered fire accidents, subject to policy wording and exclusions.
- Yes, theft and burglary losses may be covered when they fall within the policy's covered events and conditions.
- Yes, covered natural calamities such as floods or earthquakes may be included, depending on the policy terms.
- Premises left unoccupied for more than 30 days may be excluded, depending on the policy wording.
- Mitigata compares insurer options, explains policy wording, supports documentation, and helps during claim coordination.
Your premises deserve proper backup.
Book a 30-minute walkthrough and we'll review your property exposure, insurer options, policy wording, and claim support needs.