An insurance for shopkeeper’s safety

Safeguard your shop with our all-in-one policy

  • Highlights
  • Features
  • Coverage
  • Exclusions
  • Claims Procedure
  • Important Documents

Shopkeepers Insurance : Highlights

Section-1A, Building ,Fire & Special perils & Eq Covers loss or damage to building and contents by fire and allied perils as per our Standard fire & special peril policy. Max SI is Rs.2 crore. For SI > Rs.2 crore, our Vyapar Suraksha Bima Policy can be used.
Section-1B, Stock & FFF, Fire & Special perils & Eq
Section-II, Burglary Covers loss or damage to property by theft following burglary or house breaking as per our Burglary policy.
Section-III, Money This section covers loss of money whist in transit (per carrying limit not exceeding 10% of SI for stock under sec 1B between bank and shop) and whilst contained in a safe/steel cupboard/cash box under lock and key in insured premises.
Section-IV, Pedal Cycle This section covers pedal cycle against loss or damage by fire & allied perils/burglary/house breaking and accidental external means including legal liability (up to Rs.10,000)
Section-V, Plate glass This section covers loss or damage to fixed plate glass in insured premises by accidental breakage.
Section-VI, Neon sign This section coves loss of or damage to Neon Sign/Glow sign by accidental external means/fire & allied perils as per Neon sign policy.
Section-VII, Baggage This indemnified insured w.r.t loss of baggage in connection with trade accompanying the insured or employees anywhere in India by accident or misfortune.
Section-VIII, Personal Accident Accidental death/disability cover for owner/employees as per our Personal Accident benefit policy.
Section-IX, Fidelity Guarantee Indemnifies the shop owner against direct pecuniary loss sustained by him and caused by the act or dishonesty committed by any salaried employee in the premises.
Section-X, a) Public Liability & b) EC Covers (a) Legal liability to any third party for personal injury or property damage (b) Insured statutory liability in connection with trade under Workman Compensation Act 1923, Fatal Accident Act 1855 and at Common Law in respect of death or injury to employees in shop.
Section-XI, Business Interruption Covers loss of profit due to perils mentioned in Sec-1 to insured.
Terrorism(Section I sum Insured ) As per coverage under GIC Pool. Pl. refer our Standard Fire and Special Peril Policy.

Policy can only be issued to Shops with Class A constructions. Restaurants/café and office premises cannot be treated as shops. Section 1(b) and Sec-2 are compulsory. A minimum of two sections out of the remaining sections have to be opted by the proposer.

Shopkeepers Insurance : Features

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Shopkeepers Insurance : Coverage

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Shopkeepers Insurance : Exclusions

coming soon...

Shopkeepers Insurance : Claims Procedure

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