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Shriram Business Protector Policy Coverage

Shriram Business Protector Policy covers a wide range of losses and damages. Purchasing a comprehensive insurance policy is worth every penny for a business owner who wants enhanced protection for their property and contents. Shriram Business Protector Policy has 12 types of coverage with numerous unique add-on covers

What is Covered?
What is not Covered?

Fire and Allied Perils

Fire, lightning, riot, strike, malicious damage, impact damage, explosion implosion, bush fire, earthquakes, aircraft damage, storms, tempests, floods, inundation and others

Burglary and Housebreaking

Covers loss or damage to the property due to burglary and/or housebreaking

Glass and Sanitary Fittings

Covers accidental loss or breakage of plate glass against all risks including theft and terrorism

Neon Sign/Glow Sign

Accidental external means, theft/burglary, fire, lightning, external explosion/implosion, riot, strike or malicious act including theft and terrorism

Machinery Breakdown

Unforeseen and sudden physical damage caused to the Machines

Electronic Equipment

Covers loss/damages to portable equipment due to breakdown or unforeseen event

All Risk Insurance

All risks coverage including theft and terrorism with extensive geographical limits (India and Worldwide)

Money Insurance

Loss of money in transit or from a locker during business hours due to theft, burglary, robbery or hold up

Baggage Insurance

Loss of baggage while travelling due to theft, burglary, robbery, hold up or accident

Fidelity Guarantee

Loss in consequence of dishonesty during the service period of the employees

Public Liability

Coverage against third-party property damage and bodily injury

Personal Accident

Covers death and disability of the insured due to accident

War, nuclear perils, wilful misconduct of insured

Valuable items like gold, jewellery, money and wilful misconduct of insured

Breakage or damage during removal, alterations or repairs in the premises or cracked/imperfect glasses

The fusing or burning out of any bulbs and tubes arising from short-circuiting or any other mechanical/electrical breakdown

Accidental loss or damage resulting from overload experiments or tests

Misalignment of the property insured not accompanied by damage

Esthetic defects, such as scratches on painted, polished or enamelled surfaces

Shortage of money due to error or omission

Loss or damage during conveyance by any carrier under a contract of affreightment

Losses arising elsewhere than in the territorial limits

Pollution due to product liability

Breakage or damage during removal, alterations or repairs in the premises or cracked/imperfect glasses

Frequently Asked Questions

What is an all risk coverage?

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Shriram Business Protector Policy is a One-Stop-Solution for all your Business Insurance Needs