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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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Blogs

Car-to-Car Communication (V2V): How It Can Reduce Accidents?

Posted on 2025-12-10 12:30:58

Car-to-Car communication enables cars to share real-time data about their speed, location, position, etc., with other vehicles. This information exchange creates situational awareness. It alerts drivers about the traffic ahead and the presence of vehicles in blind spots, which leads to reduced road accidents. The tech uses several wireless transmitters to create a connected ecosystem where cars can ‘talk’ to each other. It helps people by warning drivers about potential dangers that are not yet visible. If you’re new to this crash avoidance technology, then this blog will give you all the information you need to get a conceptual understanding.

Biometric Car Security: Fingerprint and Face Recognition in Vehicles

Posted on 2025-12-09 10:05:26

The widespread integration of biometric car security features in modern vehicles ensures that your car security literally remains in your fingers and even face. As vehicles become more tech-oriented, manufacturers are moving beyond physical car keys/smart fobs. They’re using biometric car locks to provide more personalised and secure car access. This system recognises you personally through your fingerprints and facial features, reducing the instances of car theft or unauthorised access to nearly zero. If you’re new to biometric systems used for car security, then use this blog as your beginner’s guide. It covers the key definition, working mechanisms, advantages, and more.

The Rise of Mini-SUVs in India: Why Are They So Popular?

Posted on 2025-12-08 10:21:14

Mini-SUVs are gaining popularity in India because they provide the typical SUV look and utility at a significantly lower price. City dwellers are attracted to compact SUVs because their smaller size makes it easier to navigate narrow lanes and busy urban roads, and their better fuel efficiency makes fuel costs manageable. Not to forget, the vehicle’s overall style and design help budget-conscious buyers experience a slice of automobile luxury. If you plan to buy the best mini-SUV in India, then you must read this full blog.

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