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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?

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

What our customers say ?

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1753+ Customer Ratings

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MARCUS MANOHAR PARKHE

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

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Blogs

What Is Engine Remapping? Legal Clarity for Indian Drivers

Posted on 2025-09-01 05:46:51

Want to get more power or greater mileage from your car without having to buy new parts? That is the promise of engine remapping. However, is it legal in India? Let’s break it down. Many car owners are looking for ways to improve their cars' performance or fuel efficiency today, when performance is everything. Engine remapping is a common modification that affects how your car drives on the road using software. However, remapping isn't necessarily legal in India, despite how attractive it sounds. This blog discusses what engine remapping is, how it works, what it can achieve and whether or not you can do it without breaking the law.

Car Axles: What Are They and How Do They Work?

Posted on 2025-08-29 10:17:09

Most car owners don’t think about axles until they start hearing a strange noise from under their vehicle or something feels off while turning. Yet, they remain fundamental to a car’s movement. From enabling wheel rotations to supporting the car’s weight, there’s a lot that car axles do to ensure a smooth driving experience. In this blog, we cover the fundamentals of car axles, including what a car axle is, its main components, how do car axles work, and more to familiarise you with this crucial car element.

Car Diffuser vs Spray vs Freshener: What to Pick?

Posted on 2025-08-28 13:21:14

If you're wondering whether a car diffuser, spray or air freshener is the optimal choice for maintaining a fresh-smelling vehicle, the answer depends on your needs, usage habits and even the climate. In this comparison, we analyse each product’s mechanism, longevity and suitability to aid you in determining which one genuinely deserves a place on your dashboard.

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