Shopkeepers Package Insurance Policy

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.

Why Choose us?
We know how much you care for your workplace So we ensure that it stays covered



Why is Shopkeeper's Insurance Policy required?
Continuity of business is a basic requirement for survival of 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.

Features of Reliance Shopkeeper's Policy :
Provides protection to small & medium sized shop owner's property:

Coverage available against fire & allied perils like explosion, riots, flood, earthquake etc. for insured property i.e. shop building & its contents.

Protection of insured property against loss or damage due to housebreaking & burglary.

Coverage available against electrical & mechanical breakdown of insured electrical, mechanical and electronic equipment.

Coverage available for shop owner's money:
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.

Additional coverages
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.

Customized cover:
Shop owners can select coverage under various sections of Reliance Shopkeeper's Insurance Policy as per their requirement, affordability & choice.

Affordable Premium:
Reliance Shopkeeper's Insurance policy provides comprehensive coverage at affordable premium. We provide additional discounts if a wider coverage is opted under the policy.

Easy Documentation for Issuance of Reliance Shopkeeper's Insurance 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.

What does the policy cover?
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

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[B[We also provide coverage against[/B]
Baggage
Fixed Glass and Sanitary Fittings
Neon Sign/Glow Sign/Hoarding
Infidelity/ Dishonesty of employees
Legal Liability- Towards employee
Legal Liability- Towards Third Party

Add on covers available with the policy-
Under section I i.e. Standard Fire & Special Perils
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.

Burglary and Housebreaking- Theft

What does the policy not cover?
Loss or damage to the insured property by pollution or contamination

Loss or damage due to war and/or warlike perils, nuclear and/or atomic radiation

Loss or damage due to wear and tear, gradual deterioration or slowly developing flaws

Consequential loss of any kind

Willful act or gross negligence of the Insured, resulting on loss or damage

Loss or damage due to burglary and housebreaking when a family member is involved in the same

Faults in electrical appliances existing at the time of commencement of policy or manufacturing defects

Injury or death resulting from participation in dangerous sports/hobbies, use of alcohol/intoxicants or resulting from HIV/AIDS

Loss or damage caused by or due to action of any lawfully constituted authority or government body

Loss or damage for which the manufacturer/supplier/repairer/transporter or any other third party is responsible either in law or under a contract Loss or damage due to war and/or warlike perils, nuclear and/or atomic radiation