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Overview
Coverages
Key Features
Terminologies
Claim Process
FAQs

What is Shopkeeper Umbrella Package Insurance?

Shopkeeper Umbrella Package Insurance policy is specially issued for small shopkeepers wherein the value of shop contents (including furniture, fixture & fitting owned by them) does not exceed Rs. 10,00,000/-

Shopkeeper Umbrella Package Insurance is a multi-plan policy that enables the policy holder to choose plans that suit their needs
Shriram General Insurance Company Limited provides comprehensive coverage under five different types of policies instead of taking multiple separate policies for a shop

Nil Pending
Complaints

Over 60 Lakhs
Happy Customers

Why Choose Shriram Shopkeeper Umbrella Package Insurance?

Purchasing, renewing and filing claims at Shriram General Insurance is hassle-free
With a quick application process and minimal documentation, you can buy instant Shriram Shopkeeper Umbrella Package Insurance
Our 24-hour claim support ensures that claims are resolved quickly and efficiently

Minimum Paperwork

Get your umbrella policy in minutes with SGI

All Risk Coverage

Comprehensive protection with extensive covers

Superfast Claim Process

Quick claim approvals for instant claim settlement

24*7 Claim Support

Customer support is available round-the-clock

Get your Shriram Shopkeeper Umbrella Package Insurance in 3 Simple Steps

Call our Toll-Free number

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

Submit the required documents

Kindly submit the required documents - property details, sum insured, identity and address proof (Aadhaar Card, Passport) to proceed with the Shriram Shopkeeper Umbrella Insurance process

Complete the payment and get instant Shopkeeper Umbrella Package Insurance

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

Insure Now

Benefits of Shriram Shopkeeper
Umbrella Package Insurance

Quick application process with minimal paperwork
Comprehensive protection with all risk coverage
On-time claim settlements
24*7 claim support at your disposal

Frequently Asked Questions

Is it worth getting Shriram Shopkeeper Umbrella Package Insurance policy?

Yes. The Shriram Shopkeeper Umbrella Package Insurance is a cost-effective product with a maximum coverage limit

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The Shriram Shopkeeper Umbrella Package Insurance policy covers a variety of losses/damages to the shop with comprehensive risk coverage plans. An umbrella insurance policy offers enhanced protection for shopkeepers who wish to protect their businesses by going the extra mile

Section	Description	Category Wise Sum Insured (in ₹)
Section	Description	A	B	C	D	E	F	G	H	I	J
1	Fire and Allied Perils, Content s (Excluding Money and Valuables)	100000	150000	200000	250000	300000	350000	400000	450000	700000	750000
2	Burglary	100000	150000	200000	250000	300000	350000	400000	450000	700000	750000
3	Money (In Transit and at Premises)	10000	10000	10000	15000	15000	20000	20000	25000	25000	25000
4	Personal Accident	100000	100000	100000	200000	200000	200000	200000	300000	500000	500000
5	Fidelity Guarantee	10000	10000	10000	25000	25000	25000	25000	40000	75000	75000
Premium Category wise (inclusive of all taxes)		900	1200	1500	1900	2200	2500	2800	3600	5500	7000

What is Covered?
What is not Covered?

Fire and Allied Perils

Fire and allied perils cover protects the shopkeeper against various losses/damages such as lightning, explosion/implosion, aircraft damage, riots, strikes, malicious damages, storms, cyclones, typhoons, tempests, hurricanes, tornados, floods/inundation, impact damage, subsidence/landslide, rockslide, bursting and/or overflowing of water tanks, apparatus & pipes, missile testing operations, leakage from automatic sprinklers installations, bush fire and earthquake

Burglary

The coverage includes burglary or housebreaking of the shop contents. Burglary covers the maximum sum insured of 10,00,000/-. There are separate burglary policies available for a highly valuable content

Money (In Transit and at Premises)

Shriram General Insurance Company Limited will compensate for the loss of money from the hands of the policy holder or their employees during transit within a radius of fifteen miles. This policy also covers the loss of money in steel cupboards/cash boxes and other places under lock and key. Additionally, 10% of the applicable sum insured is covered for loss of money from the counter during business hours

Personal Accident

The personal accident cover protects the insured's family with compensation for accidental death and injury. The capital sum insured is different for different plans. One can choose a sum insured limit as per their requirements

Fidelity Guarantee

Shriram General Insurance Company Limited will indemnify the policy holder if their salaried employee commits fraud or dishonesty on the insured premises. According to the policy, the insured's liability is limited to the sum chosen in the policy period

Loss or damage arising from any consequences of war, invasion, an act of a foreign enemy, hostilities (whether war be declared or not), civil war, rebellion revolution, insurrection, military, usurped power, civil commotion, etc.

Loss or damage caused by depreciation or wear and tear

Loss or destruction or damage to any property due to any consequential loss

Any legal liability arising due to radioactive/nuclear materials

Note: Please read the policy wording for a detailed coverage, extension and exclusion list

Frequently Asked Questions

What are the key benefits of Shriram Shopkeeper Umbrella Package Insurance?

This policy covers legal liability, personal liability and property risks
It provides comprehensive coverage based on the maximum sum insured

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Key Features of Shriram Shopkeeper Umbrella Package Insurance

All Risk Coverage

All-in-one coverage policy to provide maximum protection

Cost-effective Policy

Get comprehensive coverage at a budget friendly premium

Fast Claim Approvals

Quick claim settlements to save you from uncertain emergencies

Timely Customer Support

Round-the-clock support by our dedicated representatives

Cost-effective Policy

Get comprehensive coverage at a budget friendly premium

Frequently Asked Questions

Will Shriram Shopkeeper Umbrella Package Insurance cover legal liabilities?

Yes. Shriram Shopkeeper Umbrella Package Insurance covers the legal liabilities of the insured property losses/damages

Actual Total Loss

Property or goods lost or damaged and unable to be recovered

All Risk Coverage

An insurance policy coverage that covers every possible insured loss that has not been specifically excluded from the policy

Frequently Asked Questions

What is indemnity?

An indemnity is an agreement where the insurer pays for the policy holder's liabilities

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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 shriram shopkeeper's Umbrella package Insurance Claim?

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step 5

Intimate your Claim

Intimate a claim via our Toll-Free number 1800-300-30000/1800-103-3009 or Please download the 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

How to intimate Shriram Shopkeeper Umbrella Package Insurance claim?

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

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General Cover Premium Claim Policy

How does Shriram Shopkeeper Umbrella Package Insurance policy work?

Shriram Shopkeeper Umbrella Package Insurance policy is a one-stop solution for shop owners who want to protect their businesses against various threats. This policy covers shopkeepers against various accidents, including fire, damages to electronic equipment, burglary, money theft, bodily injury to the insured, etc

What does Shriram Shopkeeper Umbrella Package Insurance Policy Not Cover?

Loss or damage arising from any consequences of war, invasion, an act of a foreign enemy, hostilities (whether war be declared or not), civil war, rebellion revolution, insurrection, military, usurped power, civil commotion, etc.
Loss or damage caused by depreciation or wear and tear
Loss or destruction of or damage to any property due to any consequential loss
Any legal liability arising due to radioactive/nuclear materials

How much does Shriram Shopkeeper Umbrella Package Insurance cost?

The cost of Shriram Shopkeeper Umbrella Package Insurance depends on the total coverage obtained by the insured at the time of policy purchase

Quick claim notification
Timely claim settlement
High claim settlement ratio
24*7 claim support

Who needs Shriram Shopkeeper Umbrella Package Insurance policy?

Shopkeepers who are prone to multiple risks will benefit most from Shriram Shopkeeper Umbrella Package Insurance policy. In the event of an unforeseen incident, this insurance policy protects shop owners against various liabilities

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!