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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 ₹) | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
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 | |
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
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
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
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
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
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