Affinity · Asset Insurance
Cover every asset your platform puts at risk
From solar panels financed by NBFCs to low-speed EVs on lease to phones handed to gig workers - Bharatsure insures the assets your platform is responsible for, large or small, the moment they're activated.
ASSETS INSURED
2,500+ panels & EV stations
ALL-RISK COVER
Burglary, fire & damage
Cover details
The protection scope, sub-covers and tenure options available - configurable per your platform and user segment.
Large Assets
Fire and natural calamities on solar panels, factories, homes, machinery and infrastructure.
Included coverage
- Fire
- Lightning
- Explosion
- Storm
- Flood
- Earthquake
- Burglary
For: Borrowers, SMEs, fleet owners, solar farm operators, infrastructure operators
Small Assets
Accidental damage, liquid damage, theft and screen damage on electronics, wearables, low-speed EVs and leased devices.
Included coverage
- Accidental damage
- Liquid damage
- Theft
- Screen damage
- Burglary
For: Consumers, gig riders, lease customers, device borrowers
Which platforms embed Asset Insurance
Asset Insurance works across a wide range of industries and trigger moments. We scope both together so the cover appears exactly when your user needs protection.
Embeds at
Lending & NBFCs
Asset cover on collateral at loan disbursal - solar panels, vehicles, machinery
EV & Mobility
Own damage on leased or financed low-speed EVs, scooters, bikes
E-commerce & D2C
Device and product protection at point of purchase or delivery
HRMS & Payroll
Laptop and device protection for leased equipment issued to employees
B2B & MSME Platforms
Fire and natural calamity cover for SME business assets
Why Bharatsure
Built around real user moments
We help platforms package, trigger and service asset insurance at the exact point where users already need protection, with product design, insurer rails and claims operations working as one stack.
Large and small in one integration
Whether it's a ₹5L solar installation or a ₹15,000 phone, both are insurable through the same API endpoint
Trigger-flexible
Cover fires at loan disbursal, lease activation, subscription start or point of purchase, whichever moment makes sense for your product
Claims that pay out
Our dedicated claims desk manages fire and natural calamity claims end-to-end so your partner doesn't have to
Live on the platform
Partners who have embedded this product.
EV battery-swap network
Charging Station Fire Cover + Driver PA
Coverage
Fire, natural calamities and burglary on battery swap stations (₹3–5L SI per station). Personal accident cover of ₹3L for drivers using or leasing batteries (₹24/month).
1,000+
stations covered
20,000+
drivers protected
Outcome
Station owner losses covered by insurer; manpower retention improved; compliance with gig-worker employment guidelines
How it embeds
A fire at an EV battery-swap station burns the premises, causing a total loss for the franchise owner. The fire cover embedded in their franchise pass means the insurer covers the full loss - the station owner's investment is protected and the network stays operational.
Solar lending platforms
Solar Panel Cover
Coverage
Fire, natural calamities and burglary on residential and commercial solar panels (net asset value: panels + batteries + mounts). Premium: 0.15%–0.35% of sum insured.
2,500+
panels insured
20+
claims settled in record time
Outcome
Capital protection for lenders, lower portfolio risk, and a meaningful value-add for borrowers
How it embeds
A storm in Rohtak destroys the solar panel installed on a borrower's rooftop - the same panel their loan was taken to finance. With EMIs still running and the panel unusable, the solar cover pays out to repair or replace it, protecting both the borrower and the lender's book.
Common questions
View all FAQsYes. Bharatsure can bundle asset insurance (fire/damage on the vehicle or equipment) with a personal accident cover for the operator - a common embedded use case for EV and mobility platforms.
Yes. Small asset covers can be structured as monthly subscriptions at low premium, activated at the point of device issuance or lease.
Bharatsure's dedicated claims desk manages the surveyor process, documentation collection and insurer follow-up end-to-end. Your partner does not need to handle claims coordination directly.
Every asset your platform touches - covered
From a ₹5L solar installation to a ₹15,000 phone, insure every asset your platform is responsible for through one API. Tell us where the risk sits - loan disbursal, lease activation or point of purchase - and we'll scope large and small asset cover that fires at the right moment.
