24*7 Claim Notifications

100% Paperless

Best Claim settlement Awards 2022

Overview
Coverages
Key Features
Terminologies
Claim Process
Policy Download
FAQs

Shriram Shopkeeper Umbrella Package Insurance Coverages

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

What our customers say ?

4.6

1753+ Customer Ratings

View all

MARCUS MANOHAR PARKHE

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

ANIL KUMAR HP

Good

VAISHALI VAIBHAVKUMAR PANDYA

very good

CHAUDHARI JASAVANTKUMAR

Good

AKRAM KHAN

Good

Blogs

Portable Car Vacuum Cleaners and Tyre Inflators for India

Posted on 2026-01-09 10:00:40

Going on leisure road trips can be the most joyful experience, but it can soon become dreadful if the cabin gets filled with snack crumbles or the tyre falls flat due to a pothole. It is during situations like these that car cleaning accessories and car tyre inflators can save you. You can use the cleaner to remove any leftover crumbles, dust, pet hair, etc., from your cabin, keeping the interior clean and the cabin air breathable. A portable car air pump can be used to fix flat tyres, so you don’t have to wait for help in the middle of a road or highway. Together, these accessories ensure cleanliness and safety, making for pleasant car rides. This blog will help you discover the relevance of these accessories.

Best Portable Tyre Inflators in India: Buying Guide for 2025

Posted on 2026-01-09 09:30:01

If you’re a car owner who frequently drives for work and leisure activities, then you should always carry a portable tyre inflator with you. Many drivers only think about tyre pressure when a puncture happens, but tyres can go flat for any reason. They may lose air due to heat, rough roads, or even small nail punctures. Driving with tyres at low pressure can cause the rubber in the tyres to heat up more quickly, which may lead to blowouts on the roads or highways. Having a portable tyre inflator can save you in such situations. Instead of looking for mechanics or waiting for help to arrive, you can fill your car’s tyres and resume driving. This small car accessory can help drivers avoid getting stranded on the road. Hence, we’ve created this comprehensive buying guide for the best tyre inflator so you get a reliable tool for your safety and convenience.

Smart Air Purifiers for Vehicle Interiors

Posted on 2026-01-08 10:16:26

What if we told you that rolling up your car’s windows doesn’t guarantee good breathable air inside the cabin? It may sound like an assumption, but the truth is that air quality inside a car cabin is often worse than the air outside. It’s because cars are not fully airtight. Pollutants from outside can easily enter the cabin through air vents or other openings, which continue to recirculate. This is why car owners are increasingly turning to purchase smart car air purifiers. These purifiers have advanced built-in vehicle air purification systems that trap and neutralise harmful pollutants in the cabin air. They not only remove pollutants and allergens from the air, but also eliminate unpleasant odours, protecting the health of both driver and passengers. If it made you curious about smart air purifiers, you must read this full blog.

View all

Enhance your Business’s Safety with Shriram Shopkeeper Umbrella Package Insurance