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Shriram Fire Insurance Coverages

Choose the preferred add-on for enhanced protection at an additional premium with Shriram Fire Insurance policy

Types of Shriram Fire Insurance Coverages

Shriram Standard Fire and Special Perils Policy

The Standard Fire and Special Perils policy may cover various assets such as buildings, plant & mach stock and furniture, against loss or damage due to various unforeseen events such as fire, ligh explosion/implosion, aircraft damage, riot, strike and so on

What is Covered?
What is not Covered?

Fire, lightning, explosion/implosion

Aircraft damage

Riot, strike and malicious damage

Storms, cyclones, floods, tempests, hurricanes, tornados and inundation

Impact damage, subsidence and landslide including rockslide

Bursting and/or overflowing of water tanks, apparatus and pipes

Missile testing operations

Leakage from automatic sprinkler installations and bush-fire

Loss, destruction or damage caused by war/invasion

Act of foreign enemy hostilities or war-like operations (whether war be declared or not)

Civil war, mutiny or civil commotion

Military rising, rebellion, revolution, insurrection, military or usurped power

Industrial All Risk Policy

All industrial risks (other than risks rateable under Petrochemical Tariff) have an overall Sum Insured of Rs. 50 crores and above in one or more locations in India shall be eligible for the Industrial All Risks Policy

What is Covered?
What is not Covered?

Material Damage

Standard Fire & Special Perils
Burglary
Machinery Breakdown/Boiler Explosion/Electronic Equipment Insurance

Business Interruption

Fire Loss of Profit
Optional Cover: Machinery Loss of Profit

Faulty or defective design materials, inherent vice, latent defect, gradual deterioration, deformation, distortion, wear and tear

Interruption of the water supply, gas electricity, fuel systems or failure of the effluent disposal systems to and from the premise

Fire Loss of Profit Policy

The fire loss of profit policy operates in the event of damage to an insured's premises due to any event insured under the Standard Fire & Special Perils Policy, causing an interruption to the policy holder's business

What is Covered?
What is not Covered?

Loss of gross profit due to a reduction in turnover

The increased cost of working incurred in minimizing that loss of gross profit

Loss of wages

Lay off & retrenchment

Auditor/Accountant fees

Loss of goods lying at supplier's premises

Loss due to accidental failure of public electricity/gas/water supply

Loss, destruction or damage caused by war/invasion

Act of foreign enemy hostilities or war-like operations (whether war be declared or not)

Civil war, mutiny or civil commotion

Military rising, rebellion, revolution, insurrection, military or usurped power

Frequently Asked Questions

What do you mean by Standard Fire and Special Perils policy?

A comprehensive standard fire and special perils policy covering the physical loss or damage to insured property caused by fire and other perils

What our customers say ?

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Mr. Khalil, your Executive was very coperative. the overall experience was very good. Thank you.

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Blogs

Engine Oil Types Explained: Conventional vs Synthetic vs Semi-Synthetic

Posted on 2025-10-27 09:45:51

The three commonly used engine oil types, i.e., conventional, synthetic, and semi-synthetic, differ in composition, performance, and suitability for vehicles. If you’re driving your car on varied road conditions, you must choose the right engine lubrication to maintain engine health and efficiency. In this blog, we’ve elaborately covered conventional, synthetic, and semi-synthetic engine oil, so you know which oil is good for your engine’s health, longevity, and overall performance.

15 Safest Cars in India with Global NCAP Rating: Complete 2025 Guide

Posted on 2025-10-27 06:37:32

Buying a car in 2025 is more than just about fuel efficiency and design. It's also about how well it keeps you and your loved ones safe in real-world crashes. The most recent Global NCAP Rating and Bharat NCAP crash test results show that these are the 15 safest cars in India. Both Global NCAP (New Car Assessment Programme) and Bharat NCAP play vital roles in testing and certifying vehicles for occupant safety. Their star ratings have become as influential for car buyers as mileage figures once were. For today’s Indian families, checking car safety ratings India is as essential as picking the right EMI plan.

Fastest Cars in the World: Top 6 Speed Demons and Their Specifications

Posted on 2025-10-24 12:18:54

There are only a few hypercars in the world, such as the Bugatti Chiron Sport 300+, SSC Tuatara Striker, Bugatti Mistral, Koenigsegg Agera RS, Bugatti Tourbillon, and Hennessey Venom F5, that provide speeds never seen before on any road or race track. While these supercars aren’t meant for ordinary, busy roads due to their speed, they’re still in demand by car enthusiasts and high-end collectors who prefer including limited edition pieces in their collection. In this blog, we’re exploring the top six fastest cars in the world, known for their unmatchable speeds.

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