Health Insurance
Plans that protect the people you love, with advice that makes exclusions and benefits clear.
Talk to usINSURANCE THAT PUTS YOU FIRSTProtect what matters.
Protect what matters.
Live with confidence.
Clear advice, thoughtful cover, and real support—from choosing a policy to making a claim.
20+ insurers comparedClient-first negotiationDedicated claims support
Your interests at the centreHealthFor the people you love
MotorFor every journey
BusinessFor what you've built
TravelFor plans ahead
One brokerMore clarity and choice
OUR INSURER NETWORKMore choice.
More choice.
Better-fit cover.
We work across public-sector and leading private insurers to find cover for families and businesses.
SBI General
SBI Life
National Insurance
United India Insurance
Future GeneraliCover for the life
you're building.
Health, vehicles, travel, life, and business. Find the kind of insurance you need, with someone to guide you.
Motor Insurance
Car and two-wheeler cover that is easy to understand and dependable when you need it.
Talk to usBusiness Insurance
Thoughtful risk cover for property, people, stock, liability, and business continuity.
Talk to usProfessional Cover
Protection for directors, consultants, and growing teams facing professional risks.
Talk to usTravel Insurance
Confident journeys, with emergency medical and trip coverage for every kind of traveller.
Talk to usLife & Term Insurance
Straightforward protection that gives your family financial stability if life changes.
Talk to usNot sure what you need?
Tell us a little about yourself or your business. We'll help you get started.
Speak to Umber
WHY UMBERYour interests
Your interests
come first.
We compare plans, negotiate on your behalf, and stay close when it is time to make a claim.
We represent you—not the insurance company.
ONE
AGENT→ONE
INSURER
AGENT→ONE
INSURER
UMBER
BROKER→MANY
INSURERS
BROKER→MANY
INSURERS
Here for every step
that matters.
We listen first
Tell us about your life, family, car, or business. We start with what matters to you.
We make it simple
We explain your options in plain language, so you can choose with confidence.
We compare for you
We look across leading insurers to help find cover that fits your needs and budget.
We stay with you
When you need to make a claim or update your policy, our team is here to help.
FOR BUSINESSESProtection for the work
Protection for the work
you've built.
From a growing team to an established factory, we help BBN businesses understand and manage their risks.
Manufacturing
Factories, machinery, product liability
Agriculture
Crop, livestock, agri-business coverage
Food & Beverage
Processing units, restaurants, supply chain
Legal & Professional
PI, D&O, professional indemnity
Technology
Cyber, errors & omissions, startup coverage
Engineering
Projects, contractor risks, equipment breakdown
COMMERCIAL INSURANCE GUIDESKnow what protects
Know what protects
your business.
Practical explanations for business owners, finance teams and plant leaders—cover, exclusions, claim issues and the questions worth asking.
Explore all commercial coverFire & propertyBuildings, machinery and stockMachinery breakdownSudden mechanical or electrical damageMarine cargoGoods moving by road, rail, air or seaIndustrial all riskIntegrated property and interruption coverWorkmen compensationEmployer liability for workplace injuryGroup healthEmployee medical benefitsPublic liabilityThird-party injury and property damageProduct liabilityProducts sold in India and overseas
OUR TEAMRegional roots.
Regional roots.
Deep expertise.
Umber brings together an experienced, multidisciplinary team serving families and businesses across Chandigarh, Himachal Pradesh, Punjab, and North India.
BUILT FOR THE REGION WE KNOW
Our team brings more than 100 years of combined experience across insurance, legal practice, food technology, engineering, agriculture, and business operations.
That breadth matters in the Baddi–BBN industrial belt, where every factory, professional practice, family, and growing enterprise faces different risks. We understand the context behind the policy, compare cover across 20+ insurers, negotiate for our clients, and stay involved through claims.
OUR GUIDING PRINCIPLEInsurance should give people confidence—not another document they have to decode alone.
ChandigarhBaddi & BBNHimachal PradeshPunjabNorth India
NV
LEADERSHIP
View LinkedIn profile Neetu Vij Founder & Director
Experienced entrepreneur, business operator, and advocate for stronger regional industry.
A career built on
helping people.
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