A single fire, break-in or burst pipe can wipe out a shop's stock and savings. A shopkeeper policy bundles the covers a shop needs into one policy with one renewal date: property, stock, cash, glass and liability. You choose the sections that fit your shop.
Who needs it
- Retail shops, showrooms and kirana stores
- Medical stores, electronics and mobile shops
- Restaurants, salons and small service businesses with premises
What's covered
Fire and allied perils
Building, stock, furniture and fittings against fire, lightning, storm, flood and riots.
Burglary and theft
Stock and contents stolen after forcible entry.
Money
Cash in the safe, at the counter and in transit to the bank.
Plate glass and signboards
Accidental breakage of shop glass and neon or glow signs.
Electronic equipment
Computers, billing machines and appliances against breakdown or damage (optional).
What's not covered
We show you the catch before you buy. Common exclusions (exact terms vary by insurer and plan):
- Theft without forcible entry, and shortages found at stocktaking
- Wear and tear and gradual deterioration
- Stock or cash above the declared sum insured (keep values up to date)
- War and nuclear risks
Popular add-ons
Public liability
Injury or damage to customers or visitors at your shop.
Personal accident
Accident cover for the owner and staff.
Documents checklist
To get a quote or buy
- Shop address and type of construction
- Value of stock, furniture and fittings
- Cash usually kept and carried
- Business KYC: PAN, GST certificate and address proof
To make a claim
- Claim form and policy copy
- FIR (burglary, theft, riot) or fire brigade report
- Stock register, purchase invoices and books of accounts
- Photos and repair estimates
Frequently asked questions
Do I have to take every section?
No. Most insurers require the fire section and let you add others. We help you pick what your shop really needs.
What if my stock goes up during the festive season?
Tell us before the season. Under-declared stock can reduce your claim; some policies offer a seasonal increase.
Related cover
Office Package Insurance
A package policy for offices covering the building, contents, computers and cash against fire, burglary and accidental damage, with optional liability cover.
ExploreJeweller's Block Insurance
A specialised policy for jewellers covering gold, diamonds and precious stock against burglary, robbery, fire and more, at the shop, in the safe and in transit.
ExploreFire & Burglary Insurance
Property cover for buildings, machinery and stock against fire and allied perils, with burglary cover for theft after forced entry.
ExploreNot sure what you need?
Tell us about your family or business and we will suggest the right cover, in plain language.
Mon–Sat, 9 am – 7 pm