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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

How to Choose Your Steering Wheel Cover: A Buyer's Guide?

Posted on 2025-07-03 12:15:14

Car accessories play a major role in protecting various parts of your vehicle from regular wear and tear. They also provide comfort during your drives and one such essential car accessory is the steering wheel cover. The steering wheel is the one part of your car that your hands are constantly in contact with while driving. Choosing the right cover can make a significant difference. This blog will help you select the right accessory for your car's steering wheel.

Top 10 Car Camping Essentials for Indian Travellers

Posted on 2025-07-02 08:53:50

Car camping blends the thrill of the great outdoors with the comfort of your vehicle. Whether you're heading to the Western Ghats, the Nilgiris or somewhere off the map in Rajasthan, knowing what to pack makes all the difference. This blog highlights the top car camping essentials to ensure a comfortable, safe and unforgettable adventure across India.

How to Evaluate an Insurer's Claim Settlement Ratio Before Purchasing?

Posted on 2025-07-01 12:24:01

When buying Car Insurance, understanding the insurer's insurance claims settlement ratio is critical. This metric indicates the likelihood of an insurer settling claims promptly and fairly. But how do you make sense of it, and why exactly does it matter? This article will help you evaluate this essential ratio, enabling you to make an informed decision.

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