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  • Overview
  • Coverages
  • Key Features
  • Terminologies
  • Claim Process
  • Policy Download
  • FAQs

Shriram Shopkeeper Umbrella Package Insurance Coverages

The Shriram Shopkeeper Umbrella Package Insurance policy covers a variety of losses/damages to the shop with comprehensive risk coverage plans. An umbrella insurance policy offers enhanced protection for shopkeepers who wish to protect their businesses by going the extra mile

Section

Description

Category Wise Sum Insured (in ₹)

A

B

C

D

E

F

G

H

I

J

1

Fire and Allied Perils, Content s (Excluding

Money and Valuables)

100000

150000

200000

250000

300000

350000

400000

450000

700000

750000

2

Burglary

100000

150000

200000

250000

300000

350000

400000

450000

700000

750000

3

Money (In Transit and at Premises)

10000

10000

10000

15000

15000

20000

20000

25000

25000

25000

4

Personal Accident

100000

100000

100000

200000

200000

200000

200000

300000

500000

500000

5

Fidelity Guarantee

10000

10000

10000

25000

25000

25000

25000

40000

75000

75000

Premium Category wise (inclusive of all taxes)

900

1200

1500

1900

2200

2500

2800

3600

5500

7000

  • What is Covered?
  • What is not Covered?
01

Fire and Allied Perils

Fire and allied perils cover protects the shopkeeper against various losses/damages such as lightning, explosion/implosion, aircraft damage, riots, strikes, malicious damages, storms, cyclones, typhoons, tempests, hurricanes, tornados, floods/inundation, impact damage, subsidence/landslide, rockslide, bursting and/or overflowing of water tanks, apparatus & pipes, missile testing operations, leakage from automatic sprinklers installations, bush fire and earthquake

02

Burglary

The coverage includes burglary or housebreaking of the shop contents. Burglary covers the maximum sum insured of 10,00,000/-. There are separate burglary policies available for a highly valuable content

03

Money (In Transit and at Premises)

Shriram General Insurance Company Limited will compensate for the loss of money from the hands of the policy holder or their employees during transit within a radius of fifteen miles. This policy also covers the loss of money in steel cupboards/cash boxes and other places under lock and key. Additionally, 10% of the applicable sum insured is covered for loss of money from the counter during business hours

04

Personal Accident

The personal accident cover protects the insured's family with compensation for accidental death and injury. The capital sum insured is different for different plans. One can choose a sum insured limit as per their requirements

05

Fidelity Guarantee

Shriram General Insurance Company Limited will indemnify the policy holder if their salaried employee commits fraud or dishonesty on the insured premises. According to the policy, the insured's liability is limited to the sum chosen in the policy period

01

Loss or damage arising from any consequences of war, invasion, an act of a foreign enemy, hostilities (whether war be declared or not), civil war, rebellion revolution, insurrection, military, usurped power, civil commotion, etc.

02

Loss or damage caused by depreciation or wear and tear

03

Loss or destruction or damage to any property due to any consequential loss

04

Any legal liability arising due to radioactive/nuclear materials

Note: Please read the policy wording for a detailed coverage, extension and exclusion list

Frequently Asked Questions

What are the key benefits of Shriram Shopkeeper Umbrella Package Insurance?

  • This policy covers legal liability, personal liability and property risks
  • It provides comprehensive coverage based on the maximum sum insured

What our customers say ?

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