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

What is Business Protector Policy?

Shriram Business Protector Policy (Sookshma Udyam) is issued to cater to business professionals' requirements by combining several contingencies which are otherwise covered separately under a single policy

  • Shriram General Insurance Company offers a comprehensive Business Protector Policy explicitly designed for SMEs, office establishments, hotels and restaurants, including the IT/ITES Sector
  • The innovative endeavour gives the insured the flexibility to design the policy as per the requirements to protect the property and workforce, all with the convenience of a single policy
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Nil Pending

Over 60 Lakhs
Happy Customers

Why Choose Shriram Business Protector Policy?

  • Shriram General Insurance Company allows you to purchase, renew and file claims online
  • Shriram Business Protector Policy can be purchased instantly with a quick application process and minimal paperwork
  • We provide 24*7 claim support to ensure swift resolution of claims
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Features of Shriram Business Protector Policy

Minimum Paperwork

Simple and quick application process

All Risk Coverage

Comprehensive protection with exclusive add-ons

Fast Claim Process

Instant claim approvals with quick claim settlement

24*7 Claim Support

Customer service is available round-the-clock

Get your Shriram Business Protector Policy in 3 Simple Steps


Call our Toll-Free number

Call (1800-300-3000/1800-103-3009) to avail a Shriram Business Protector Policy at your convenience and you will be guided by our dedicated customer support executive throughout the Business Protector Policy journey


Submit the required documents

Kindly submit the required documents - property details, sum insured, identity and address proof (Aadhaar Card, Passport) to proceed with the Shriram Business Protector Policy process


Complete the payment and get an instant Shriram Business Protector Policy

Kindly complete the payment by selecting the preferred payment method (Debit Card, Credit Card, Net Banking or Cheque) and get Shriram Business Protector Policy instantly

Benefits of Shriram Business Protector Policy

  • Simple application process with minimal documentation
  • Comprehensive coverage with enhanced add-on covers
  • Round-the-clock claim settlements
  • 24*7 claim support at your disposal

Frequently Asked Questions

How does Shriram Business Protector Policy work?

Shriram Business Protector Policy is a one-stop solution for businesses/shopkeepers/individuals who own expensive business assets/properties. This policy covers business owners against various threats, including fire, damage to el ectronic equipment, burglary, money theft, bodily injury to the insured, etc.


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?

Thank you for your service. Shriram General Insurance offers great customer service. Quick and hassle free claim process by SGI made my life easy during the difficult period.


Earthquake, Terrorism, Loss of rent, Additional expenses for alternate accommodation, impact damage due to the insured’s vehicle, forest fire, etc.

Theft and Purchase protection coverage

STFI (Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation) coverage

Money at the counter/ATM withdrawal protection

Hospital Confinement Allowance, Accidental Hospitalisation Cover, Medical Expense Reimbursement, Terrorism, Modification of Residential Accommodation and Vehicle, etc.

Notification extension clause, Extended claim reporting clause, Food and Beverage extension, Care, Control and Custody extension and Extra facilities extension

Key Features of Shriram Business Protector

Comprehensive Risks Coverage

  • An all risk cover to protect business owner’s against various threats

Exclusive Add-on Covers

  • Choose the best from the available add-on covers as per the business requirements

Quick Application Process

  • Quick Application Process Easy and simple application process with minimal paperwork

Simple Claim Procedure

  • Instant claim settlement with 24*7 claim support is available

Comprehensive Risks Coverage

  • An all risk cover to protect business owner’s against various threats

Frequently Asked Questions

Will Shriram Business Protector Policy cover legal liabilities?

Yes. Shriram Business Protector Policy covers legal liabilities of the insured property losses/damages


A claim is a formal request to an insurance company for compensation or coverage for a covered loss

Liability Coverage

A liability insurance policy protects the insured against claims arising from injuries to other people or property damage

Frequently Asked Questions

What is a deductible?

The deductible is the amount one has to pay on their own before an insurance company begins paying the claim


Shriram General Insurance’s claim intimation process is easy and hassle-free. Intimate a claim, submit the required documents and get a timely claim settlement

How to Register Shriram Business Protector Policy Claim?

  • step 1
  • step 2
  • step 3
  • step 4
  • step 5

Intimate your Claim

  • Intimate a claim via our Toll-Free number 1800-300-30000/1800-103-3009 or Please download, CLAIM INTIMATION, fill it out and send it to our Help Desk via Email ID (chd@shriramgi.com)

    • Note: Please ensure that the following information is available at the time of the claim intimation
    • Policy Number/Proposal Number
    • Date and Time of the Accident
    • Survey location, where our loss assessor can survey the damages
    • Estimated loss/description

Claim Registration

  • Our customer support team will accept the claim intimation and provide the claim reference number

Claim Confirmation

  • Once the claim is registered and the loss assessor gets deputed, one will receive a text message for confirmation along with the surveyor details. The surveyor will contact the policy holder regarding the time and conduct the survey accordingly

Submission of Required Documents

Survey and Claim Settlement

  • After receiving the documents, our dedicated survey team will initiate the process. Once the survey is done, the funds will be directly sent to the recipient after verification
  • Note: Kindly contact our CHD /Surveyor when the property is ready for re-inspection if the surveyor advised re-inspection

Is it worth getting the Shriram Business Protector Policy?

Yes. The Shriram Business Protector Policy is a cost-effective insurance product with a maximum coverage limit

What does a fidelity guarantee cover?

The fidelity guarantee coverage protects firms, corporations and individuals who engage in commercial activities and may suffer financial losses due to fraud or dishonesty of their employees

How much does Shriram Business Protector Policy cost?

The premium calculation is based on the total area of the premises insured and the total cost of the building construction

What are the benefits of Shriram Business Protector Policy claim process?

  • Quick claim notification
  • Round-the-clock claim settlement
  • High claim settlement ratio
  • 24*7 claim support

Depending on the area of the insured premises, it will take a maximum of 7 days to submit the survey report

What is the premium rate of Shriram Business Protector Policy?

The premium rate is different for different sections of the policy. The combined premiums are calculated based on the total number of risks coverage opted by the policy holder

What our customers say ?

Divyansh says,

Shriram General Insurance is the best travel insurance and i can confidently recommend.Truly the best online travel insurance site in India. Thanks to Shriram General Insurance !.

Vidit says,

Shriram General Insurance has a very encouraging overseas travel insurance program for us. Overall it's very nice

Malik says,

I had some doubts when reading the terms and conditions of my travel insurance. I called the Shriram General Insurance helpline and they cleared up most of my doubts.

Prakash says,

SGI Health Insurance currently administers my health insurance policy. I still have a bonus and there hasn't been a claim. This insurance covers all hospitals for cashless payments. Customer support is excellent.

Apeksha says,

This group health insurance policy, which has a Rs. coverage amount, was obtained from Shriram General Insurance. They have connections with several hospitals and also offer cashless medical care.

Ashwin says,

“I am satisfied with Health insurance claim service” Got my Health  insurance policy claim. Thanks a lot for quick response. Great customer satisfaction policy

Chiranjeev says,

My Commercial Vehicle Insurance is the best. These are very good, helpful and wonderful people. I am pleased to join Shriram General Insurance commercial vehicle insurance plan.

Purushottam says,

For commercial vehicle insurance, I can suggest Shriram General Insurance with confidence. I'm relieved that my vehicle is now protected and secure, I appreciate Shriram General Insurance!

Santram says,

Shriram General Insurance provides me with a commercial vehicle insurance policy that fully protects the vehicle for a comparatively small outlay of money. Excellent customer satisfaction policy, I'm pleased!

Amritlal says,

After taking into account all other plans available, I decided to go with Shriram General Insurance for my personal insurance policy. I am extremely pleased with the outcome of my claim and the amount of time and accuracy put into it.

Meghna says,

Taken the personal insurance policy with Shriram General Insurance company around 5 years ago. My colleague is suggested me to take the policy from here. The claim ratio is more compared to others. This was taken for my family benefits and customer service is good. Thank you SGI!!

Mohan says,

Five years ago, I chose to invest in a personal insurance policy with Shriram General Insurance Company after being recommended by a colleague. They had one of the best claim ratios and the customer service is great. Taking out this policy has benefited my family immensely and I'd like to take this opportunity to thank Shriram General Insurance for their excellent services.

Akanksha says,

I recently took out a home insurance policy with Shriram General Insurance and it covers me if there is any destruction to my property due to natural disasters such as earthquakes. I am very pleased with their customer service and quick response times. This gives me peace of mind knowing that I have this policy in place.

Raveena says,

After consulting with many people, I chose to purchase my home insurance from Shriram General Insurance. The experience was quite pleasing & I am glad that I went with them as their policy has proven to be very satisfactory.

Tejas says,

Securing my future by taking home insurance from Shriram General Insurance was a great decision. Not only did I get protection from natural and man-made calamities, but the service provided was also excellent.

Shubham says,

The add-on covers on my policy were extremely helpful. I got my claim easily and also reserved my NCB.And Shriram has made it so easy to renew any policy online without any tussle, trouble.thank you Shriram General Insurance!

Amandeep says,

Shriram General Insurance Co. Ltd is a trustworthy partner to me. They have a sincere and genuine approach towards settling claims, which I highly appreciate and value. They made it easier for me to manage through the tough times.

Satyaprakash says,

Shriram General Insurance truly stands out with the great service they provide – claims are processed quickly and effortlessly. I am very appreciative of their support! The quick and stress-free claim process made life easier for me during a trying time.

Shakeel says,

Shriram General Insurance really offer affordable two wheeler insurance premium. When my bike was damaged in an accident, I was stressed out but their two wheeler insurance executive took care of the situation quickly & efficiently. Thanks to Shriram General Insurance!

Samantha says,

I recently got a two-wheeler insurance policy from Shriram General Insurance and had a great experience. The website was incredibly user-friendly and all the relevant information was easily accessible. I'm glad my two-wheeler is safe and secure now - thank you Shriram General Insurance!

Vandana says,

My friend working for Shriram General Insurance suggested I take out a two-wheeler insurance policy from them. I've been renewing it before its expiry ever since and have been pleased with the service.I recently visited their branch and decided to renew my policy with them. The reason I chose them was because they provide first-party insurance with utmost claim amounts, plus this policy includes bumper to bumper coverage.

Chetan says,

I was thoroughly satisfied with my decision to get car insurance from Shriram General Insurance. Not only did I find their rates quite reasonable, but the policy coverage was also adequate. I am especially impressed with how efficiently and smoothly they handled my claims.

Ankit says,

I can confidently recommend Shriram General Insurance for car insurance as I have been a loyal customer for the last 5 years. Their claims process is very efficient and they respond swiftly to their customers in comparison to the other providers.

Rahul says,

I recently switched to Shriram General Insurance for my car insurance and I'm glad I did. The customer service is great, and the policy was issued instantly. I am Very impressed with their services!
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