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Shriram Fire Insurance Coverages

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?
01

Fire, lightning, explosion/implosion

02

Aircraft damage

03

Riot, strike and malicious damage

04

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

05

Impact damage, subsidence and landslide including rockslide

06

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

07

Missile testing operations

08

Leakage from automatic sprinkler installations and bush-fire

01

Loss, destruction or damage caused by war/invasion

02

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

03

Civil war, mutiny or civil commotion

04

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?
01

Material Damage

  • Standard Fire & Special Perils
  • Burglary
  • Machinery Breakdown/Boiler Explosion/Electronic Equipment Insurance
02

Business Interruption

  • Fire Loss of Profit
  • Optional Cover: Machinery Loss of Profit
01

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

02

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?
01

Loss of gross profit due to a reduction in turnover

02

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

03

Loss of wages

04

Lay off & retrenchment

05

Auditor/Accountant fees

06

Loss of goods lying at supplier's premises

07

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

01

Loss, destruction or damage caused by war/invasion

02

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

03

Civil war, mutiny or civil commotion

04

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

What our customers say ?

4.6

1753+ Customer Ratings

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customer

MARCUS MANOHAR PARKHE

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

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Good

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VAISHALI VAIBHAVKUMAR PANDYA

very good

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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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