Group Commercial Insurance

Running a business means taking care of many responsibilities every day. You think about your customers, your team, your finances, and the growth of your company. But one thing that often gets overlooked is risk protection.

A single unexpected incident, an employee injury, a fire, a legal claim, asset damage, or a cyber threat can cause massive financial losses. This is where Group Commercial Insurance plays an essential role. It provides protection for your business, your employees, and your financial stability.

At OneAssure, we simplify commercial insurance for companies of all sizes. Whether you are a startup, a growing business, or an established organisation, we help you choose the right coverage without confusion or complexity. Our goal is simple: to ensure your business stays protected from unpredictable risks.

Group Commercial Insurance is a combined set of insurance policies designed to protect businesses from different types of risks. Instead of buying multiple policies separately, companies can opt for a group plan that covers employees, assets, operations, and liabilities under one comprehensive structure.

It not only safeguards the finances of the company but also ensures that employees feel secure and valued. In simple words, it is the protection plan every business needs to operate confidently.

Every business, small or large, faces risks. These risks may come from accidents, employee injuries, lawsuits, natural disasters, cyber incidents, or operational breakdowns.

Here is why this insurance is essential:

1. Protects your employees

Workplace injuries, health problems, and accidents can impact employees. Group coverage ensures their wellbeing.

2. Protects your assets

Equipment, machinery, computers, furniture, and inventory are all vulnerable to damage.

3. Protects your financial stability

Claims, compensation, repair costs, and legal expenses can become huge financial liabilities.

4. Protects your business continuity

Insurance ensures your operations keep running even when unexpected incidents occur.

5. Builds trust with employees

Offering group coverage strengthens loyalty and improves workplace morale.

6. Helps in compliance

Certain industries need mandatory insurance for employees and workplaces.

7. Saves time and money

Group policies offer better premiums and easier administration compared to individual plans.

Choosing the right commercial insurance can feel overwhelming because every business has different needs.

OneAssure makes this process simple and smooth.

Here is how:

1. Personal business assessment

We understand your business model, number of employees, industry risks, and operational needs.

2. Clear comparison across insurers

We compare features, benefits, and prices from multiple insurers to find the right match.

3. Easy explanation of complex terms

We break down coverage, exclusions, and conditions into simple language.

4. Tailored coverage plans

We recommend plans that fit your business—not something generic.

5. Dedicated claim support

If something goes wrong, OneAssure guides you through every step of the claim process.

6. Long-term partnership

Our support continues throughout your policy lifecycle, not just during purchase.

We aim to remove confusion, reduce risk, and give you peace of mind.

Coverage depends on your chosen plan, but in general, group commercial insurance includes:

1. Employee medical expenses
2. Accidental injuries and disabilities
3. Funeral and compensation benefits
4. Fire, theft, and property damage
5. Machinery and equipment breakdown
6. Liability towards customers or third parties
7. Legal expenses and penalties
8. Loss or damage to goods in transit
9. Cyber-attack expenses
10. Office and shop protection
11. Natural disaster-related damages
12. Employee death benefits
13. Workplace injury compensation

This coverage ensures your business stays protected from all major risks that can cause financial loss.

Even comprehensive plans have some exclusions. These usually include:

1. Intentional damage caused by employees
2. Damage due to war or nuclear events
3. Illegal activities and fraudulent claims
4. Wear and tear of equipment
5. Losses due to poor maintenance
6. Self-injury or suicide
7. Losses outside policy conditions
8. Damages due to unapproved modifications
9. Certain professional errors unless covered under liability insurance

Understanding exclusions helps avoid surprises during claims. OneAssure explains these clearly before you purchase any plan.

Premium for group commercial insurance depends on:

1. Number of employees
2. Industry type and associated risks
3. Nature of operations
4. Type of coverage selected
5. Sum insured
6. Age and health profile of employees
7. Claim history of the company
8. Location and size of business premises
9. Machinery value, building value, and asset structure

OneAssure helps you optimise coverage without increasing premiums unnecessarily.

Businesses prefer OneAssure because:

1. We provide honest guidance
2. We compare multiple insurers
3. We simplify every step
4. We offer long-term support
5. We ensure fast and smooth claims
6. We understand business risks very well
7. We provide personalised and practical recommendations
8. We focus on clarity, not confusion

Our approach is not just to sell a policy but to build a secure and long-lasting partnership.

Add-ons strengthen your commercial insurance plan:

1. Additional accidental coverage
2. Extended cyber protection
3. Increased liability limit
4. Temporary work stoppage cover
5. Add-on medical benefits
6. Additional fire and disaster cover
7. Enhanced machinery breakdown cover
8. Office content protection
9. Stock deterioration cover

Based on your business needs, OneAssure recommends the right add-ons.

To select the right plan, consider the following:

1. Number of employees
2. Industry-specific risks
3. Possible legal liabilities
4. Value of business assets
5. Machinery and operational setup
6. Exposure to cyber risks
7. Goods movement and logistics
8. Health and safety risks
9. Required sum insured
10. Budget and premium limits
11. Claim support availability

OneAssure helps you match your needs with the right policies.