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Overview
Coverages
Key Features
Terminologies
Claim Process
FAQs

What is Fire Insurance?

Fire insurance is a contract between the property owner and the insurer to protect against unforeseen events that cause physical loss, damage/destruction of buildings and structures, plant and machinery, stock and other business assets

The purpose of fire insurance is to provide coverage for the replacement, repair or reconstruction of the damaged property/machinery as specified in the policy. The general exclusions in fire insurance policies include war, nuclear risks, etc.
Regardless of the size of the business, every business owner must purchase fire insurance for their additional safety

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Why Choose Shriram Fire Insurance?

The Shriram General Insurance company enables one to purchase, renew and claim Shriram Fire Insurance policies in a hassle-free manner
With a speedy application process and minimal documentation, you can get an instant fire insurance policy
The entire claim process has been simplified and we offer 24*7 claim support to ensure timely claim resolution

Affordable Premium

A cost-effective premium with minimal paperwork

Extensive Coverage

Enhance building/contents protection with exclusive add-ons

Quick Claim Process

Instant claim approvals and timely claim settlement

24*7 Claim Support

Round-the-clock customer assistance for all your queries

Get Your Shriram Fire Insurance in 3 Simple Steps

Call our Toll-Free number

Call (1800-300-3000/1800-103-3009) to avail a Shriram Fire Insurance policy at your convenience and you will be guided by our dedicated customer support executives throughout the Fire Insurance policy journey

Submit the required documents

Kindly submit the required property proof to proceed further such as the building space, contents involved inside the building, construction area, cost of construction, etc.

Complete the payment and get instant fire insurance

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

Insure Now

Benefits of Shriram Fire Insurance

Affordable premium with minimal paperwork
Customised policy plans for all business requirements
Timely claim settlement at the time of emergency
Comprehensive coverage for enhanced protection
24*7 claim support at your disposal

Frequently Asked Questions

What are the benefits of buying fire insurance for my building?

A building may get damaged in the event of a fire or any other unforeseen event, which results in huge financial loss. Therefore, buying fire insurance is necessary to protect your property. As a result, it will cover the damages to the building based on the coverage chosen

Does an SME need fire insurance?

Yes. A comprehensive fire insurance policy protects SMEs against risks such as fire, floods, earthquakes, etc. One can choose the amount insured for every type of asset and further enhance the coverage by adding suitable add-ons

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Choose the preferred add-on for enhanced protection at an additional premium with Shriram Fire Insurance policy

Types of Shriram Fire Insurance Coverages

Shriram Standard Fire and Special Perils Policy

The Standard Fire and Special Perils policy may cover various assets such as buildings, plant & mach stock and furniture, against loss or damage due to various unforeseen events such as fire, ligh explosion/implosion, aircraft damage, riot, strike and so on

What is Covered?
What is not Covered?

Fire, lightning, explosion/implosion

Aircraft damage

Riot, strike and malicious damage

Storms, cyclones, floods, tempests, hurricanes, tornados and inundation

Impact damage, subsidence and landslide including rockslide

Bursting and/or overflowing of water tanks, apparatus and pipes

Missile testing operations

Leakage from automatic sprinkler installations and bush-fire

Loss, destruction or damage caused by war/invasion

Act of foreign enemy hostilities or war-like operations (whether war be declared or not)

Civil war, mutiny or civil commotion

Military rising, rebellion, revolution, insurrection, military or usurped power

Industrial All Risk Policy

All industrial risks (other than risks rateable under Petrochemical Tariff) have an overall Sum Insured of Rs. 50 crores and above in one or more locations in India shall be eligible for the Industrial All Risks Policy

What is Covered?
What is not Covered?

Material Damage

Standard Fire & Special Perils
Burglary
Machinery Breakdown/Boiler Explosion/Electronic Equipment Insurance

Business Interruption

Fire Loss of Profit
Optional Cover: Machinery Loss of Profit

Faulty or defective design materials, inherent vice, latent defect, gradual deterioration, deformation, distortion, wear and tear

Interruption of the water supply, gas electricity, fuel systems or failure of the effluent disposal systems to and from the premise

Fire Loss of Profit Policy

The fire loss of profit policy operates in the event of damage to an insured's premises due to any event insured under the Standard Fire & Special Perils Policy, causing an interruption to the policy holder's business

What is Covered?
What is not Covered?

Loss of gross profit due to a reduction in turnover

The increased cost of working incurred in minimizing that loss of gross profit

Loss of wages

Lay off & retrenchment

Auditor/Accountant fees

Loss of goods lying at supplier's premises

Loss due to accidental failure of public electricity/gas/water supply

Loss, destruction or damage caused by war/invasion

Act of foreign enemy hostilities or war-like operations (whether war be declared or not)

Civil war, mutiny or civil commotion

Military rising, rebellion, revolution, insurrection, military or usurped power

Frequently Asked Questions

What do you mean by Standard Fire and Special Perils policy?

A comprehensive standard fire and special perils policy covering the physical loss or damage to insured property caused by fire and other perils

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The Add-on covers offered are as follows:

Temporary removal of stocks is covered to any other premises for production or processing or finishing or similar purposes

Fees for Architects, Surveyors and Consulting Engineers are beyond 3% of the claim amount

Expenses for removal of debris beyond 1% of the claim amount

Deterioration of stocks in cold storage premises due to power failure following damage due to an insured peril

Impact damage to the property due to the insured’s vehicle

Loss of rent and/or additional expenses of rent for alternative accommodation

Omission to insure additions, alterations or extensions

Earthquake damage caused by fire and shock

Spontaneous combustion

Terrorism

Forest fire

Key Features of Shriram Fire Insurance

Extensive Coverage

Enjoy extensive fire insurance coverage for business, employees and more

Timely Claim Support

24*7 claim support for all the claim-related queries

Instant Claim Settlement

Get your claims settled instantly with Shriram Fire Insurance

Policy Customisation

Choose the required coverage options as per your needs

Frequently Asked Questions

Mention some of the add-ons of Shriram Fire Insurance?

Terrorism
Forest fire
Spontaneous combustion
Fees for Architects, Surveyors and Consulting Engineers are beyond 3% of the claim amount Expenses for removal of debris beyond 1% of the claim amount

Gross Profit

Gross profit is the profit a company makes after deducting all costs associated with manufacturing and selling its products or services. Deducting the cost of goods sold (COGS) from total sales yields gross profit

Gross Profit is the sum of Net Profit and Insured Standing Charges

Net Profit

Net profit is the total earnings of the company after deducting all expenses. The expenses deducted include the costs of regular business operations, depreciation and taxes

Frequently Asked Questions

What are standing charges?

The insured standing charges are the fixed expenses (salaries, rent, taxes, interest, etc.) that an insured might incur as a result of decreased turnover. Before selling the policy, an insurer will receive details on the insured's fixed expenses

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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 Fire Insurance Claim?

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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)
- 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, you will receive a text message for confirmation along with surveyor details. The surveyor will contact you regarding the time and conduct the survey accordingly

Submission of Required Documents

Please provide the REQUIRED DOCUMENTS mentioned to proceed further

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

Intimate Claim

Frequently Asked Questions

When will I receive the confirmation for Shriram Fire Insurance claim?

When the claim is registered and the loss assessor is deputed, you will receive a text message for confirmation along with the surveyor's contact information. In response to your request, the surveyor will contact you regarding the time and schedule the survey accordingly

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General Cover Premium Claim Policy

What should I do if I suffer a loss due to a fire?

Notify the local fire department for the immediate help
When another person's property is damaged by the fire, the insurance provider will compensate them
Make sure the insurer is informed
During loss assessment, cooperate with your supervisor
As a last resort, you can take photographs of the loss/damages while waiting for the surveyor and secure all unaffected assets
Submit the claim form along with the supporting documents
As soon as the damages have been repaired or replaced, submit all the bills to the insurer

Who can buy Shriram Standard Fire and Special Perils policy?

Shriram Standard Fire and Special Perils policy is available to individuals organizations and institutions of all types.

Owners of buildings that include contents like furniture, appliances, etc.
Shopkeepers
Industrial or Manufacturing firms
Storage Godowns
Hotels
Traders in stock

What can be insured under Shriram Standard Fire and Special Perils policy?

Buildings and their contents
Plant and machinery
Furniture, fixtures and fittings
Stocks and raw materials
Electronic and electrical equipment
Cables, pipelines, other household goods, etc

What are the factors determining the fire insurance premium?

Fire insurance premiums are determined by a variety of factors:

Occupancy type
Renewal and rollover claims experience for the past 3 years
Add-ons cover chosen
Risk Location

How to register a fire insurance claim with Shriram General Insurance?

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

How does a fire insurance policy work?

A fire insurance policy can compensate you for such unforeseen events by covering the damages to the property and its contents upon claim intimation

What is the minimum tenure of Shriram Fire Insurance policy?

A policy can be issued for a maximum of one year from the date of inception. In some cases, policies can be issued for more than 12 months

How can I renew my Shriram Fire Insurance?

Kindly call our Toll-Free number (1800-300-3000/1800-103-3009) for the Shriram Fire Insurance renewal
You will be guided by our dedicated customer support executives throughout the Shriram Fire Insurance renewal journey

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!