Shopkeeper Insurance
A combined policy protecting a shop's stock, premises and related risks, subject to the selected cover.
How we help
A shopkeeper's policy bundles the covers a small retailer usually needs into one policy. Depending on the plan, these can include fire and allied perils, burglary, money in the shop or in transit, glass and signboards, and liability to customers.
A bundled policy is simpler to manage than several separate ones. We help you work out the value of your stock, fittings and cash, and choose the sections that make sense for your shop.
We also explain what is excluded, such as losses from poor stock records, so that a claim is not disputed because of a gap in paperwork.
What it covers
- Stock and contents cover
- Cover for fire, burglary and other listed risks
- Covers vary by policy
Coverage, exclusions, and claim conditions depend on the policy and insurer.
Before you decide
Points to check
- 01The value of stock, furniture and fittings to be insured
- 02The sections included: fire, burglary, money, glass, liability
- 03The limit on cash covered at the shop and in transit
- 04Stock records and security measures the insurer expects
- 05Whether loss of income after damage is included
Common questions
What people ask us about Shopkeeper Insurance
What does a shopkeeper's policy cover?
It depends on the sections you choose. Common ones are fire and allied perils, burglary, money, plate glass and public liability. We list what each section pays.
Is it cheaper than buying separate policies?
Often it is simpler, and the combined premium can be lower than separate covers, but this varies by insurer. We compare the options.
Do I need to keep stock records?
Yes. Without stock records it can be hard to prove what was lost, which can delay or reduce a claim.
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Shree Sai Insurance is the practice of Amit Dhirajlal Waghela, an AMFI-registered mutual fund distributor (ARN-166386), not a SEBI-registered investment adviser. The firm earns commission from asset management companies on the schemes it distributes, does not charge a fee for distribution, and does not guarantee returns. Insurance is offered separately from the mutual fund distribution business. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.