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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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Mr. Khalil, your Executive was very coperative. the overall experience was very good. Thank you.

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Blogs

Smart Roof Racks and Car Storage Solutions for Adventure Enthusiasts

Smart Roof Racks and Car Storage Solutions for Adventure Enthusiasts

Posted on 2026-02-02 12:38:40

If you enjoy road trips, camping, cycling, or simply love escaping the city whenever possible, you would have noticed how carrying the right adventure gear can be a big challenge. Cabin space is limited, and it isn’t designed to accommodate bulky or oversized equipment, such as cycles or camping tents. It is where modern car storage solutions and smart roof racks can help. Since these systems can help you carry adventure gear safely and securely on the car’s roof, you don’t have to worry about stuffing gear into footwells or blocking rear visibility. Their versatile and sturdy design makes them the perfect choice for carrying a wide range of gear, which qualifies them as a timeless storage solution for everyone. This blog provides more information about these adventure gear storage and car storage solutions so you can decide whether you need them.

Ceramic Coating vs. Car Wax: What’s Better for Your Car?

Advantages of Ceramic Coating vs. Traditional Car Wax for Paint Protection

Posted on 2026-02-02 11:23:24

Applying traditional car wax to your car’s surface can make it look glossy, but would you use it knowing it would only last a few weeks or months? It’s a dilemma many car owners experience. While they want their cars to have superior gloss and shine, they also want long-lasting performance. This requirement prompted many car owners to switch to ceramic car coating. Unlike traditional car wax, ceramic coating doesn’t fade within a few months. If you hire a professional for a precise application, it can last several years and provide supreme, long-lasting protection. In this blog, we’ve shared a detailed analysis of ceramic coating vs. car wax to help car owners make an informed choice.

Upgrade Driver Experiences with Digital Instrument Clusters

How Digital Instrument Clusters Enhance Driver Experience

Posted on 2026-02-02 06:47:14

For most car owners, their vehicle’s dashboard is the main way the car ‘talks’ to them. In most old cars, this communication was limited. It only featured a speed needle, a fuel gauge, and a few warning lights that often appeared only when something was already wrong. Besides sharing limited information, it was also challenging to understand because drivers had to interpret needles and symbols while driving. Thankfully, these concerns have been fixed by digital instrument clusters. These clusters have transformed dashboards into a smart, easy-to-read display. It shows precisely what the driver needs when they need it, and in a way that’s easy to understand at a glance. Since digital instrument clusters present information visually and logically within the driver’s line of sight, driver experience becomes more controlled, less stressful, and far more reassuring. If you’re new to these clusters, this blog will help you understand their role in enhancing driver experience.

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