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Business Insurance

Protect Your Business. Power Your Growth.

Comprehensive insurance solutions designed to safeguard your business from risks and uncertainties.

Why Business Insurance

Life insurance by employers for employees — retention tool with financial protection & tax benefits for both parties.

Employee Retention Tax Benefits 10+ Employees
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Why Keyman Insurance

Protect your business if a key person (founder, CEO, director) passes away — company gets the lump sum payout.

Business Continuity Loan Collateral Risk Mitigation
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Why Partnership Insurance?

Partners insure each other — surviving partner gets funds to buy deceased's share & retain full control.

Buy-Out Funds Ownership Control Smooth Transition
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Navdrishti Group

Comprehensive insurance solutions designed to safeguard your business from risks and uncertainties.

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Business Insurance

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Keyman Insurance

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Partnership Insurance

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BUSINESS INSURANCE

Employer-Employee Insurance

A life insurance policy purchased by employers for employees — providing financial protection, strengthening retention, and offering tax benefits to both parties.

Key Benefits
  • Financial protection for employees & families on untimely death
  • Strengthens employer-employee bonding & work culture
  • Powerful retention tool — keeps talent motivated & loyal
  • Premium paid fully by employer — not recovered from employee
  • Policy benefits go directly to the insured employee
  • Cashless hospitalization across India (health component)
Who Is It For?
  • Companies, firms, or proprietorships with 10+ employees
  • Employees on the official payroll of the organisation
  • Any legally recognised employer structure
  • Not for independent contractors or consultants
How It Works
  • Employer buys life insurance for employees on payroll
  • Employer pays all premiums — claims as business expense
  • Policy assigned to employee — benefits go to them/family
Tax Benefits: Employer deducts premiums under Sec 37(1) as business expense. Employees claim under Sec 80C for their contribution. Premium declared as "Profit in lieu of Salary" under Sec 17(3).
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BUSINESS INSURANCE

Keyman Insurance

A specialized policy where the company buys coverage on the life of a key person — protecting the business from financial losses if they pass away or become disabled.

Key Benefits
  • Lump sum payout to company on key person's death or disability
  • Business continuity — funds to maintain operations & hire replacements
  • Debt repayment — settle business loans tied to the key person
  • Investor & lender confidence — demonstrates risk management
  • Succession planning — financial buffer for smooth transitions
  • Loan collateral — many banks require keyman insurance
Who Is It For?
  • Founders, directors, CEOs, top executives
  • Key salespeople, project managers, specialists
  • Startups, MSMEs, manufacturing & tech firms
  • Anyone whose absence would cause financial loss
Coverage Amount
  • Up to 10x key person's annual salary
  • Or 3x average gross profit (last 3 years)
  • Or 5x net profit of the last 3 years
Tax: Premium deductible under Sec 37(1) as business expense. Payout taxable under "Income from Other Sources." Sec 10(10D) exemption does not apply. If policy later assigned to employee, treatment changes.
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BUSINESS INSURANCE

Partnership Insurance

A life insurance arrangement between partners — if one dies, the surviving partner(s) have funds to buy out the deceased's share and retain full control of the business.

Key Benefits
  • Funds to buy deceased partner's share without cash strain
  • Surviving partners retain full ownership & control
  • Deceased's family receives fair value — not forced into business
  • Prevents third parties from acquiring partner's stake
  • No legal disputes over ownership or control
  • Peace of mind — business protected from disruption
Who Is It For?
  • Registered partnership firms
  • Co-founders & directors
  • LLPs & joint ventures
  • Small & medium businesses with multiple owners
How It Works
  • Partners agree on business valuation & buy-sell terms
  • Life insurance taken on each partner's life
  • On death — payout buys deceased's share, heirs compensated
Note: Cannot be purchased if partners are related and one is sole legal heir. Joint Life Policy (JLP) available for two partners — pays on first-death basis. Premium depends on partnership value, net assets & partner ages.
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BUSINESS INSURANCE

Protect Your Business from the Unexpected

Our MDRT-certified advisors help you choose the right business insurance — employer-employee, keyman, or partnership — absolutely free.

Call: +91 9711778778 WhatsApp Us

Navdrishti Group is a forward-looking investment and advisory firm specializing in real estate, life insurance, and health insurance solutions. 

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