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- Overview
- Coverages
- Key Features
- Terminologies
- Claim Process
- FAQs
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




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
Features of Shriram Shopkeeper Umbrella Package Insurance
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


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
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 ₹) | |||||||||
---|---|---|---|---|---|---|---|---|---|---|---|
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
Key Features of Shriram Shopkeeper Umbrella Package Insurance


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
Our Claim Process
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?
- step 1
- step 2
- step 3
- step 4
- 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)
- Note: Please ensure that the following information is available to you at the time of the claim intimation
- 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
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
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)
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
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
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