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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


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
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

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
Claim
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
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
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