Shopkeeper Insurance

Shopkeeper insurance is designed for SME(Small Medium Enterprises)Shop Owner to give Coverage from loss or damage to Shop Structure and its Content. Shop Insurance Covers financial loss happen due to Unfortunate event Like Fire, Theft, Burglary, Flood, Earthquake, Cash in Safe, Cash in transit Etc.

Shopkeepers Insurance Coverage:

Fire and Allied Perils

Protection of Structure of Shop and contents against:

  • Fire
  • Lightning
  • Explosion/implosion
  • Aircraft damage
  • Riot, strike, and malicious damage
  • Storm, cyclone, typhoon, tempest, hurricane, tornado, flood, and inundation
  • Impact damage
  • Subsidence and land-slide including rock-slide
  • Bursting and/or overflowing of water tanks, apparatus, and pipes
  • Missile testing operations
  • Leakage from automatic sprinkler installation
  • Bush fire
  • Earthquake (fire and shock)

Burglary and Housebreaking

  • Coverage for housebreaking, theft, and larceny of office contents

Machinery Breakdown

  • Breakdown of electrical/Mechanical appliances Covered
  • Apparatus or gadgets Covered

Electronic Equipment and Appliances

  • All-risk cover for electronic appliances such as medical equipment
  • Loss of electronic installations, data carrying material, and software

Money Insurance

Loss of money due to an accident :-

  • Transit from the Shop to bank and vice versa
  • A safe OR Gulla at the shop.


  • Compensates for loss of baggage while on travel for official purposes

Fixed Plate Glass and Sanitary Fittings

  • Loss or damage to fixed plate glass
  • Accidental damage to sanitary fittings

Neon Sign/Glow Sign/Hoarding

  • Neon signs and hoardings against all risks

Personal Accident

  • Accidental accidental death or bodily injury to all employees.
  • Accidental Medical extension
  • Permanent Total Disability and Partial Total Disability

Infidelity/ Dishonesty of employees

  • Loss or damage caused by dishonest acts of employees covered

Shopkeepers Insurance Policy Exclusions:

  • Loss or damage due to war and nuclear perils
  • Loss or damage due to wear and tear and gradually developing flaws
  • Consequential loss of any kind
  • Excess as specified
  • Loss without substantiation or mysterious disappearance

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