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Business insurance · checked 11 November 2026

A product brand needs product liability cover once marketplaces or investors ask, stock insurance in the warehouse, and transit cover on the road.

For a D2C brand doing about ₹4 crore in turnover, product liability premiums run about ₹60,000 to 1.5 lakh a year, depending on the category. Warehouse cover, usually a Standard Fire and Special Perils policy, stops at the warehouse door, so goods in transit need marine cargo cover. Digital brokers such as BimaKavach compare quotes and can bundle all three.

Every question on it 6 answers

  1. Do I actually need product liability insurance as a small D2C brand, or am I overthinking it? D2C
  2. What does product liability insurance in India actually cost and cover? D2C
  3. My marketplace is asking for liability insurance before I can keep selling, what do I actually need to show them? D2C
  4. How do I insure my inventory against fire, theft, or damage sitting in a warehouse? D2C
  5. What about goods lost or damaged in transit or shipping, is that covered separately from warehouse insurance? D2C
  6. Where do I actually buy this insurance without getting stuck with a confusing traditional insurer? D2C

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