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Business insurance
by

Comprehensive
Risk Management

for Fast Growing
Businesses

Protect your business from financial, legal, and operational risks with the right insurance solutions.

We’re Setting The Standard

We’ve sustained high standards.
We’ve set new benchmarks.
We’re here to stay.

1000+
Businesses Covered
200cr+
Claims Processed
95%
Claims Paid

Why Prioritise Risk Management?

Protection from Unforeseen Business Risks

Protect your balance sheet, runway and reputation from unforeseen financial, legal, and operational risks.

01

Increasing Tech & AI risk

Prepare your business today for the evolving risks of AI, technology, and an increasingly digital operating environment.

02

Contractual & Regulatory Obligations

Protect your business against regulatory complaints, investigations, and actions from authorities & relevant regulators.

03

Explore key policies

Your runway, your cap table, your next big move.
We’ll handle the risks, with insurance designed around your business.

Cyber Insurance

Shields your business from information technology & infrastructure risks such as breaches of data/privacy, malicious cyber attacks, etc.

Errors & Omissions / Professional Indemnity Insurance

Guards your business against financial losses arising from a negligent act, error/omission, unintentional breach of contract, or failure to render professional services to a party.

Directors & Officers (D&O) Insurance

Protects the directors, officers and employees of your business against personal liabilities associated with key decision making.

Asset Protection / Fire / Portable Equipment Insurance

Safeguards your business from losses resulting from damage to company owned physical assets.

Commercial General Liability (CGL)

Protects your business against financial risks arising from third-party bodily injury, medical expenses, or damage to property. 

Employee Dishonesty / Commercial Crime Insurance

Protects your business against first-party & third-party financial losses due to criminal acts linked to money or securities, committed by an employee/employees.

Simple
Hassle-Free Process

/01
Understand Your Requirements

We deeply understand your company, industry, and future growth plans, ensuring your risk foundation is built specifically for your aspirations.

/02
Prepare a Risk Management Plan

We craft a risk blueprint that comprehensively protects your balance sheet from legal, financial and operational risks in an evolving risk landscape.

/03
Offer Best-in-Class Claims Experience

We leverage tech stack to ensure near-zero paperwork during onboarding and state-of-the-art Policy & Claims dashboard for frictionless experience during a crisis.

/04
Quarterly Risk Assessment

We eliminate the risk of outgrowing your coverage by conducting proactive quarterly audits, dynamically adjusting your policies as your funding and operation scale.

Built by Founders, for Founders.

We are democratising Risk Management & Commercial Insurance.

As a repeat founders ourselves, we saw  how legacy Risk Management is complex and full of jargon, overlapping products and doesn’t cover emerging risks from AI & Tech.

This is what we are solving at Plum - mitigate your risks and anxiety’s with best in class insurance protection - without having to overpay for it.

We are democratising risk management through a simple framework: we educate instead of sell, leverage intelligent tech to turn weeks of offline paperwork into a lightning-fast digital process, and provide an unparalleled, human-centric experience when you need it most.

Building a company is challenging enough without worrying about hidden liabilities. You focus on pushing boundaries, protecting your runway, and scaling your vision. Let us carry the risk—we’ve got your back every step of the way.

Here's to building a world where care isn't just spoken—it's felt.

Warmly,

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Abhishek Poddar       Saurabh Arora
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Frequently Asked Questions

Why should I buy business insurance?
Companies are exposed to many risks, depending on the nature of the business and the stage of growth. Things going wrong could lead to financial and reputational repercussions. For a tech company, the risk of erroneous services being delivered could be a major risk. For a healthcare company storing large amounts of sensitive medical and patient data, a cyber breach compromising this data could prove costly to the business. For an asset-heavy business such as a manufacturing facility, risks like fire, theft, or damage to assets are be at the forefront. Each business has unique risks, requiring tailored insurance solutions to combat them.
What are the common risks for my business?
General risks to consider for businesses are:• Directors and officers being sued over claims of mismanagement or employment practices-related claims• Errors or negligence in services being offered leading to financial losses for clients• Data breaches or cyber incidents leading to the loss or compromise of client and business data• Loss of or damage to company-owned assets• Fraud, theft, or dishonesty by employees or third parties leading to financial losses• Third-party bodily injury or property damage arising from business operations
What are the common insurance purchased businesses like mine?
We can evaluate this in terms of key business milestones. Say you have a core team of directors and employees - D&O Insurance becomes important. For a company that has started providing services to clients with contracts in place, an E&O policy becomes important. As you store and process sensitive health, personal, or financial information, Cyber Insurance becomes pertinent to have in place. Say you start building a significant asset inventory with laptops and other devices - Asset Insurance becomes key.
Which insurance protects me from AI & Cyber risks?
For AI-related risks, a professional Indemnity / E&O policy is typically relevant where an AI-enabled product or service causes a client’s financial loss due to an error, omission, or failure in the service. Cyber Insurance becomes relevant where the AI system or underlying technology is involved in a cyber incident, such as a data breach, hacking, or any other security compromise.For a business using AI as a core part of its products and operations, Cyber and E&O together can provide more comprehensive protection, subject to the specific risks of the industry.