IRDAI Registration Certificate No. 466
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Shop Insurance

 

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    Shop Insurance

    A shop insurance policy is a specially designed insurance policy that provides coverage for a shop’s contents and the property. A shopkeeper insurance policy provides coverage to small and medium shop owners against any damage or loss caused to the shop or its content due to unfortunate events like fire, flood, earthquake, riot, burglary, etc. It also takes care of liability claims.A shop has three important aspects that any good insurance policy should keep at its heart. Those three things are your premises and stock (buildings and contents insurance), your customers (public liability insurance) and protection of outgoing costs should you have to stop trading (business interruption insurance).

    The major benefits that one gets with a shop insurance policy is Protection of the Property

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    Exclusions under Shopkeeper Insurance

    Damage caused due to war or war like operations. Loss or damage to bonds, securities, precious jewellery, cash, livestock and valuables. Salesperson and commission agents under fidelity guarantee. Loss due to wear and tear of electronic equipment. No cover for any damage/loss to any of the electrical machines, short circuit, apparatus, leakage of electricity, etc. No cover for loss/damage theft or expense incurred directly or indirectly caused by any kind of terrorist activity are not covered by the policy

    Coverages

    • FLEXA (Fire, Lightning, Explosion, Aircraft)
    • RSMD (Riots, Strikes, Malicious Damage)
    • STFI (Storm, Tempest, Fire, Inundation)
    • EQ (Earthquake)
    • Burglary

    For a Shop InsurancePolicy, Premium will be different as because the same is decided on the below basic factors

    • Nature/Type of shop
    • Value of stock(entire value of stock at shop)
    • Sum insured(To what amount, the shop be insured)
    • Building sq.feet, age of the building
    • Address with pin code
    • Mention coverages needed(furniture and fixtures, electronic equipment’s etc. as per insured demand)
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