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Shop Keeper Insurance

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SHOPKEEPER UMBRELLA INSURANCE POLICY

SHOPKEEPER UMBRELLA INSURANCE POLICY is designed to cater to the requirements of small Shop-keepers by combining under a Single Policy a number of contingencies which are otherwise covered separately. The sum insured is fixed and premium according to sum insured selected is also fixed. Rates are inclusive of Service Tax.

How Shopkeeper Umbrella Insurance Policy Works This is a pre- packaged product specially with flexibility of choosing sum insured as per need. This product has five sections and ten plans of sum insured. Customer can choose one of the ten plans (A to J) as per requirement or value of property.

Plans and Sum Insured with Premium

SEC DESCRIPTION CATEGORY WISE SUM INSURED (in Rs.)
    A B C D E F G H I J
1 Fire & Allied perils, contents
(Excluding Money & valuables
100000 150000 200000 250000 300000 350000 400000 500000 750000 1000000
2 Burglary 100000 150000 200000 250000 300000 350000 400000 500000 750000 1000000
3 Money (transit & premises) 10000 10000 10000 15000 15000 20000 20000 25000 25000 25000
4 PA 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 service tax ? in Rs.)
  Premium 900 1200 1500 1900 2200 2500 2800 3600 5500 7000

Nature of Coverage:

Policy covers only the contents of the shop. Please note that the Building of the shop is not covered under the Policy. The Insured can include the value of furniture, fixtures and fittings if the same are owned by him.

The section covers the risk of Fire, Lightening, Explosion/Implosion, Aircraft Damage, Riot, Strike, Malicious Damage, Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood & Inundation, Impact Damage, Subsidence & Landslide including Rockslide, Bursting &/or overflowing of water Tanks, Apparatus & Pipes, Missile Testing Operations, Leakage from Automatic Sprinklers Installations, Bush Fire, Earthquake.

SECTION 2: BURGLARY, HOUSEBREAKING: Loss or damage to property by Burglary.

SECTION 3 : MONEY INSURANCE : Money-in-Transit and/or in safe and in steel cupboards, Cash box and in such other places under lock and key (Covering all business transaction) Loss due to any accident or misfortune subject to limits of liability specified in the schedule is covered.

SECTION 4 : PERSONAL ACCIDENT TO OWNER OF THE INSURED SHOP : Death or bodily injury by accidental violent, external & visible means to the insured persons named in the schedule. The capital sum insured is different in different plans.