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Shopkeepers Insurance

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Shopkeepers Insurance

Starting at Rs. 500/Year*

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What is Shopkeepers Insurance?

Shopkeepers insurance is a type of insurance policy designed to cover a shop’s property and its contents. At InsureSMEs, our shopkeepers' insurance covers fire and natural calamities such as floods and earthquakes through our Standard Fire & Special Perils policy.

At Shopkeepers Insurance, we understand that your shop is at risk of burglary, so we offer a policy to protect your business from damages and losses that could occur as a result. This way, you can rest assured knowing that your shop is protected from fires, natural calamities, and burglary.

Why Shopkeepers Insurance is important?

  1. Fire Outbreak is ranked as the 3rd biggest risk to business continuity and operations (Indian Risk Survey, 2018).

  2. Businesses affected by building fires see a 25-30% dip in footfall and business (FICCI Report, 2018).

  3. Every 3 minutes, a burglary, robbery or break-in is taking place in India (National Crime Records Bureau, 2017) .

What is Covered in Shopkeepers Insurance?

It is a one touch insurance solution that covers you and your business from threats like, fire, malicious damage, riot, earthquake, burglary, damage to property etc.

  1. Fire

  2. Lightning Explosion / Implosion

  3. Aircraft damage

  4. Riot strikes and malicious damage

  5. Storms, cyclones, typhoons, tempest hurricanes, tornados, floods and inundation

  6. Impact damage due to railroad vehicle or animal not belonging to insured, Subsidence and landslide including rockslide

  7. Bursting and/or overflowing of water tanks apparatus and pipes

  8. Missile testing operations

  9. Leakage from automatic sprinkler installations &

  10. Bush fire

Add-On Covers in Shopkeepers Insurance

Below are some of the add-on covers that can be opted

  1. Terrorism cover

  2. An expense incurred on debris removal in excess of 1% of the claim amount

  3. Expenses incurred on Architects surveyors and consulting engineers' fees in excess of 3% of the claim amount

  4. The additional expense of rent for an alternative accommodation

  5. Loss of rent

Disclaimer: This information is added only for informative purposes and collected from different sources across the Internet. InsureSMEs is not promoting or recommending anything here. Please verify the information before making any decisions.

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