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

Shriram Business Protector Policy Coverage

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?
01

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

02

Burglary and Housebreaking

Covers loss or damage to the property due to burglary and/or housebreaking

03

Glass and Sanitary Fittings

Covers accidental loss or breakage of plate glass against all risks including theft and terrorism

04

Neon Sign/Glow Sign

Accidental external means, theft/burglary, fire, lightning, external explosion/implosion, riot, strike or malicious act including theft and terrorism

05

Machinery Breakdown

Unforeseen and sudden physical damage caused to the Machines

06

Electronic Equipment

Covers loss/damages to portable equipment due to breakdown or unforeseen event

07

All Risk Insurance

All risks coverage including theft and terrorism with extensive geographical limits (India and Worldwide)

08

Money Insurance

Loss of money in transit or from a locker during business hours due to theft, burglary, robbery or hold up

09

Baggage Insurance

Loss of baggage while travelling due to theft, burglary, robbery, hold up or accident

10

Fidelity Guarantee

Loss in consequence of dishonesty during the service period of the employees

11

Public Liability

Coverage against third-party property damage and bodily injury

12

Personal Accident

Covers death and disability of the insured due to accident

01

War, nuclear perils, wilful misconduct of insured

02

Valuable items like gold, jewellery, money and wilful misconduct of insured

03

Breakage or damage during removal, alterations or repairs in the premises or cracked/imperfect glasses

04

The fusing or burning out of any bulbs and tubes arising from short-circuiting or any other mechanical/electrical breakdown

05

Accidental loss or damage resulting from overload experiments or tests

06

Misalignment of the property insured not accompanied by damage

07

Esthetic defects, such as scratches on painted, polished or enamelled surfaces

08

Shortage of money due to error or omission

09

Loss or damage during conveyance by any carrier under a contract of affreightment

10

Losses arising elsewhere than in the territorial limits

11

Pollution due to product liability

12

Breakage or damage during removal, alterations or repairs in the premises or cracked/imperfect glasses


Frequently Asked Questions

What is an all risk coverage?

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Blogs

Car Wireless Charging Pads with Multi-Device Support

Car Wireless Charging Pads with Multi-Device Support

Posted on 2026-01-19 12:35:58

You sit inside your car, place your mobile on the charging pad, and the phone starts charging automatically. No need to switch a button, struggle to find the right charging cable, or transform your cabin into a mess – this convenience is top-tier and almost every car owner wants it.  It is precisely what you get with a car wireless charging pad. The best part about this fast wireless charging technology is that it lets you charge multiple Qi-enabled devices, such as your smartphone, earbuds, and smartwatch. If you purchase a decent-sized charging pad, your co-passengers can also charge their devices at the same time.  It’s the best way to keep your cabin free of distractions and clutter, while charging all your devices. If this multi-device wireless charger made you curious, read the full blog for a more in-depth understanding. 

Role of AI in Claim Approvals and Fraud Detection

Role of AI in Claim Approvals and Fraud Detection

Posted on 2026-01-13 10:36:54

Every policyholder wants faster claim approvals, but traditional setups often take days or even weeks to process and make claim-related decisions. Thankfully, it is changing with AI claims processing. AI is helping insurers review claims and assess the submitted details to make faster decisions. It also helps insurers find the authenticity of filed claims. AI evaluates the policyholder’s past records and identifies unusual patterns that human reviewers might have missed. Surprisingly, AI in insurance claims benefits both insurers and genuine policyholders. This blog shares a deep dive into AI’s role in insurance claims and AI fraud detection, so read until the end.

Eco-Friendly and Sustainable Materials in Car Accessories

Eco-Friendly and Sustainable Materials in Car Accessories

Posted on 2026-01-12 11:00:30

The thought of contributing to environmental challenges disturbs every car owner who cares for the planet. It’s one of the key reasons many individuals now prefer investing in eco-friendly car accessories. In fact, two-thirds of consumers are now sustainability-minded drivers who would prefer car accessories made of eco-friendly materials over synthetic ones. If you own a car and want to lower or offset your carbon footprint and improve your health by limiting synthetic materials, consider investing in accessories made from sustainable materials. In this blog, we’re listing popular materials, associated car accessories, and more, so you know what to look for during purchase.

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