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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.

customer

ANIL KUMAR HP

Good

customer

VAISHALI VAIBHAVKUMAR PANDYA

very good

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AKRAM KHAN

Good

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Blogs

The Future of Car Windows: Electrochromic and Privacy Glass Systems

The Future of Car Windows: Electrochromic and Privacy Glass Systems

Posted on 2026-01-30 10:37:47

Have you seen a car whose windows automatically tint when they come into contact with bright sunlight? Or a car window that instantly becomes opaque on the touch of a button and restores the original clear glass upon instruction? These cars will become common in the future, thanks to smart glass technology. Modern vehicles are increasingly adopting electrochromic car windows and privacy glass systems to dynamically control how much light enters your cabin while giving you better privacy controls. Depending on the dynamic tinting glass you choose, it will either work automatically or require manual instructions for instant light and privacy adjustment. This dynamic glass feature can reduce the amount of solar heat entering the cabin. This heat reduction, in turn, eases the load on your car’s air conditioning system, so you enjoy better energy efficiency. It also maintains a cool cabin temperature for the passengers’ comfort. If you’re curious about this new smart glass technology, you must read the full blog.

Car Exhaust Systems: Trends in Reducing Emissions for 2026

Car Exhaust Systems: Trends in Reducing Emissions for 2026

Posted on 2026-01-30 10:01:07

Every time you start your car and drive, the car’s engine produces exhaust gases that also contain toxic pollutants, such as nitrogen oxides and carbon monoxide. If you don’t treat them before releasing them through the tailpipe, they can directly affect air quality, public health, and climate goals. Hence, car exhaust systems are evolving into systems that don’t just push smoke out of a car, but also clean exhaust gases before they reach the atmosphere. Whether you live in India or any foreign country, you’ll notice that governments are pushing stricter environmental regulations. They now expect cars to remain clean not only in test labs, but also during real-world driving. Hence, regulations such as Bharat Stage VI, Euro 7, and other real-world emission requirements have changed how vehicles are designed. As a result, car exhaust systems have become one of the most critical components in modern vehicles, capable of significantly reducing emissions. We’ve covered the ‘how’ and relevant trends related to emission reduction, so read the full blog.

The Working Mechanism Behind Regenerative Braking

How Regenerative Braking Works and Its Importance on Battery Life

Posted on 2026-01-29 10:22:55

Every time you slow down at a traffic signal or ease off the accelerator, your car silently releases energy. In regular vehicles, this energy is simply lost as heat. Regenerative braking, standard in EV and hybrid vehicles, takes a smarter route. If you drive an EV or a hybrid car, slowing down becomes an opportunity to recover part of that motion (kinetic energy) and turn it into electricity that helps recharge the car’s battery. The result is better efficiency without changing how you drive. This system works particularly well in the background in stop-and-go city conditions. It makes everyday driving more energy-efficient.

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