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Shopkeepers Package Insurance Online
Time to shop for insurance for your shop.
Shops are sources of revenue for many in our country. It therefore follows that the livelihood it provides needs to be protected which may happen due to the losses to the assets. With Reliance Shopkeeper's Package Policy, small & medium - sized shop owners can get protection against many risks that a shop is exposed to, and also peace of mind by ensuring smooth running of business. Reliance Shopkeeper’s Package Policy is a comprehensive policy designed for shop owners to provide cover against loss or damage to both, the structure of shop as well as its contents & other incidental business activities.
We know how much you care for your workplace So we ensure that it stays covered
Continuity of business is a basic requirement for the survival of the business and for providing financial stability to its owner. Hence it becomes very important to secure this means of livelihood. To safeguard a small & medium- sized shop owner from various risks related to its shop & contents (for e.g. fire, burglary, money, machinery & equipment breakdown etc.), a comprehensive insurance policy is required.
The money collected in the conduct of business while in transit from shop premises to bank & vice-versa lost due to robbery, theft. It also provides coverage to shop owner's money kept in safe & till.
It provides coverage against risks associated with shop owner's employees like accidental injury or death under Personal Accident section. One may also cover the Infidelity/dishonesty of employees and legal liability towards third party within the premises.
Shop owners can select coverage under various sections of Reliance Shopkeeper's Insurance Policy as per their requirement, affordability & choice.
Reliance Shopkeeper's Insurance policy provides comprehensive coverage at affordable premium. We provide additional discounts if a wider coverage is opted under the policy.
For covering the various sections, only a single proposal form is required. Further, no hassle of providing proof of ownership is required at the inception.
At Reliance General Insurance we strive to negate all possible risks that you could encounter at your shop. Keeping your requirements in mind, we've tried to 'pack in' maximum coverage for a variety of situations in our Shopkeeper's Insurance policy
1) Escalation in value of fixed assets 2) Terrorism 3) Loss of rent to the owner of premises as a result of cover provided under this section 4) Rent for alternative accommodation following a loss under this section as a result of which the premises becomes uninhabitable and hence has to be temporarily shifted.
Theft
*Disclaimer :- For complete list of exclusion & coverage details, please refer policy wording of Shopkeeper Package Policy
Shopkeeper insurance is developed to protect small & medium sized shop owners from various risks. Small & medium sizes shop owner’s business is always exposed to certain risks as loss to shop building & contents within the shop building, potential liability towards property & people, money in transit or in safe etc. All these are covered under this shopkeeper insurance, where the insured is compensated for the loss.
Shopkeepers Insurance policy is a comprehensive package policy which provides financial protection to Insured’s shop assets & other risk exposures related to business activity in a single documentation.
If the shopping centre has been insured against the risk of fire , then the spread of fire to insured premises is covered, you could claim damages.
The insurance offered by your society may offer a limited cover - typically including only common property like external structure of the building, not the contents of your shop. You need to have risk cover for such contents that may include items such as business assets, stock-in-trade, equipment, and electrical and mechanical appliances. Your shopkeepers' policy insures all these against fire and allied perils, burglary and theft, accidental breakdowns, and other misfortunes.
You can cancel the policy and take a refund from the insurance company.
The shopkeeper package insurance covers:
The major benefit of Reliance Shopkeeper’s Insurance policy is as follows
If you are small and medium seized shop owner with assets upto Rs 2 crore in a premises and who is responsible for providing protection to the business, customers & employees. Any shop owner can take Reliance Shopkeeper Insurance to secure the future & finances of his business.
For Jewellery shop, we have a specialised product named “Jeweller’s Block” Policy to take care of various aspects of Jwellery sale and in transit. For more details of “Jeweller Block” policy please contact our nearest branch or customer care.
Shopkeeper policy insurance is available for small & medium sized shop where maximum value of building & content put together is not exceeding Rs 2 crs. Shops exceeding Rs. 2 crs can be covered in a separate policy named “Commercial Care Package “Policy. For more details of “Commercial Care Package “policy please contact our nearest branch or customer care.
Fire & Allied Perils (For Contents ) is compulsory under shopkeeper policy
Minimum of four sections have to be selected under the policy. Out of four section at least two sections from the below mentioned list should be opted by shop owner
It covers building/s (i.e. wherein proposer’s shop is situated) & content in the proposer’s shop premises against fire and allied perils.
This section covers loss of money related to proposer’s trade / business due to accident or misfortune
This section covers electronic appliances, apparatus, and/or any electronic installation pertaining to proposer’s business while contained or fixed in the proposer’s shop premises.
This section covers all electrical and/or mechanical appliance, apparatus, and/or any electrical or mechanical installation pertinent to proposer’s business and fixed in the proposer’s premises against electrical & mechanical breakdown.
Loss due to following situations are not covered under shopkeeper’s insurance policy
Disclaimer: - For complete list of exclusion & coverage details please refer policy wording of Shopkeeper Package Policy
Following add on cover available under fire and allied section.
The number of maximum section or coverage selection will depend upon insurance need of shop owner. Therefore, it is good to understand the requirement first & then select the coverage.If you required any help in understanding the requirement we are happy to assist you. Please contact our nearest branch or contact our customer care.
Following are the coverage available under shopkeeper’s insurance policy to cover risk associated with shop owner or its employees
Following are the basic information is required under shopkeeper insurance policy
Following document are required for issuance of Shopkeeper Insurance Policy
Under shopkeeper policy method selection of sum insured are as follows
1. Sum Insured for money in transit should be single transit value in any day during policy period. 2. Sum Insured for cash in safe and cash in till should be single value stored in safe or till in any day during policy period.
If proposer select more than minimum section following section discount is applicable on non-tariff section premium.
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