Gray-Image
24*7 Claim Notifications

24*7 Claim Notifications

100% Paperless

100% Paperless

Best Claim settlement Awards 2022

Best Claim settlement Awards 2022

  • 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?

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.

What our customers say ?

4.6

1753+ Customer Ratings

View all
customer

MARCUS MANOHAR PARKHE

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

customer

ANIL KUMAR HP

Good

customer

VAISHALI VAIBHAVKUMAR PANDYA

very good

customer

CHAUDHARI JASAVANTKUMAR

Good

customer

AKRAM KHAN

Good

left-arrowright-arrow
Quote

Blogs

How Dashcam Footage Can Help in Faster Car Insurance Claims?

How Dashcam Footage Can Help in Faster Car Insurance Claims

Posted on 2025-12-16 05:34:56

Road rage cases are on the rise in India, with 4,000 reported in 2023 alone. If you ever encounter any such instance that leaves your car damaged, then you will need credible proof that confirms you were not at fault. It can be especially difficult in cases with no eyewitnesses or recorded evidence to prove your innocence. This is where dashcam footage can help innocent drivers. You can use it as strong video evidence to remove confusion about who is responsible for the accident, thereby reducing the need for lengthy investigations. Since this footage captures raw, unedited footage of the accident, insurance companies can quickly establish fault and process claims. In this blog, we’ve shared a detailed explanation of the link between dashcams and car insurance claims. You can use it to speed up your car insurance claim process.

The Role of AI in Car Insurance Claim Approvals

The Role of AI in Car Insurance Claim Approvals

Posted on 2025-12-15 06:26:02

Over 82% of insurance companies now use AI in claim processing, but have you wondered what it means for policyholders like you? Artificial Intelligence (AI) is redesigning the entire claim approval process so policyholders can benefit from faster and more accurate claim-related decisions. AI uses multiple mechanisms to streamline the entire process, from initial claim submission to the final payout. It uses computer vision, machine learning algorithms, etc., to automate the process. It not only reduces manual claim review time and human error, but also ensures faster approval of genuine claims. In this blog, we’ve highlighted AI’s role in car insurance claim approval processes.

The Role of Artificial Intelligence in Next-Gen Car Safety Systems

Posted on 2025-12-12 10:37:40

Artificial Intelligence (AI) is redefining what ‘safe driving’ means by powering next-gen car safety systems. It’s enabling car safety systems to predict, detect, and respond to potential road safety hazards with greater accuracy. Artificial Intelligence (AI) in cars can notably reduce accident instances, making driving experiences more secure. In this blog, you will find the role of AI in automotive safety and how it enhances secure driving experiences.

View all
Quick renewal Quick renewal
bimabharosa
Back to TopBack to top of the pageBack to top of the page

IRDAI Consumer Education:- Insurance is the subject matter of solicitation. IRDAI Registration Number - 137. CIN No. U66010RJ2006PLC029979. BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS. IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

Terms and Conditions |Refund and Cancellation© 2023 Shriram General Insurance. All rights reserved.