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What is a Shop Insurance?
Shop Insurance
Shop insurance policies are a type of insurance policy plan that covers for any loss or damage caused to a shop in case of any unwanted mishappening event such as that of theft, burglary, fire or any natural calamity.
A shop insurance plan assures financial cover for your store and its belongings and let you stay covered for any financial loss that is unwanted and unexpected.
Benefit of Owning a Home Insurance Plan
Value Assured for Premium
Get assured value for the money that you pay for in the form of premium of your shop insurance policy plan.Guaranteed Protection
Get assured financial protection from any unwanted mishaps such as natural calamities, and from events like fire, theft and burglary.Customize Insured Sum Amount
You can easily customize your overall sum insured depending on the size and overall nature of your business you run your shop for.
Quick and Easy Claims
The process of claim is quite easy and online nowadays, besides you get 24*7 support so that each of your assets stay insured and you get quickly covered when in need. This however depends on the sum insured.
All Business Categories Covered
A Shop Insurance plan covers for almost all business types, so you don't have to worry about the nature of your business and whether it will be covered or not.
- Value Assured For Premium
- Get assured value for the money that you pay for in the form of premium of your shop insurance policy plan/
- Guaranteed Protection
- Get assured financial protection from any unwanted mishaps such as natural calamities, and from events like fire, theft and burglary.
- Customize Insured Sum Amount
- You can easily customize your overall sum insured depending on the size and overall nature of your business you run your shop for.
- Quick and Easy Claims
- The process of claim is quite easy and online nowadays, besides you get 24*7 support so that each of your assets stay insured and you get quickly covered when in need. This however depends on the sum insured.
- All Business Categories Covered
- A Shop Insurance plan covers for almost all business types, so you don't have to worry about the nature of your business and whether it will be covered or not.
Looking for your Shop Insurance?
InstaCover India offers a variety of benefits and advantages in terms of covers and savings, so when searching for a good Shop Insurance, you need to look no further!
Call us now and we will do the best we can to help you out with your Shop Insurance needs
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+91-9995551863
Things that are Covered In A Shop Insurance Plan
Get Cover for loss and damage due to fire
Get cover for loss due to explosion damage
GET COVER FOR LOSS OR DAMAGE DUE TO STORMS
GET COVER FOR LOSS OR DAMAGE DUE TO FLOOD
GET COVER FOR LOSS OR DAMAGE DUE TO THEFT AND BURGLARY
GET COVER FOR LOSS OR DAMAGE DUE TO EARTHQUAKES
Different Types of Shop Insurance Plans
Get your Shop Covered
Covers for complete shop provided and its inclusive properties provided.
Get Coverage for the Shop premises
Get covered for as per the shop premises valuation
Get Coverage for Your Store Goods and Belongings
Cover for goods and belongings kept as a part of your inventory at your store, including any other non-commercial item as well.
Exclusion of Shop Insurance Plan
- Shop that are in basement floor do not get covered under shop insurance plan
- Cover for electrical installations and other fixed fittings not covered under shop insurance plan
- No cover offered for any consequential loss or any loss that goes unexplained
- Items that are portable such as a laptop do not get assured of any financial covers
Types of Shops Covered?
Electronics Stores
A common spot for burglaries, electronics stores are covered in shop insurance plans.
General Stores/Grocery Stores
All kinds of grocery and general stores including big sized supermarkets are also covered.
Educational Institutions and Offices
Educational institutions such as tuition, coaching classes also get offered shop insurance.
Healthcare
Hospitals to medical stores, all get proper coverage for their belongings when going for shop insurance plan.
Manufacturers and Processing
These are more prone to hazards, so are covered under shop insurance plans.
Fitness/ Sports and Lifestyle Stores
These types of stores are also covered in a shop insurance plan.
Food Courts, Stalls Restaurants
Places like food courts, restaurants and similar places are covered in a shop insurance plan.
Repair Services
Such services like motor garage repairs, electrical repair stores also get insured with a proper shop insurance.
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FAQs Related to Shop Insurance Policies
This depends on certain factors like the size of shop, nature of the business along with a few other factors.
It is not a compulsion but a simple recommendation that a shop keeper should own a proper shop insurance to get sufficient financial coverage in case if any unwanted unexpected mishappening takes place.
No, a shop insurance is designed for a single shop only, you cannot cover multiple shops that you own with a single shop insurance. For that you will need multiple shop insurance, each for a shop.
When comparing different shop insurance plans, its best considered to review the following things so as to choose the best insurance for your home.
- Amount of Sum Insured: This is the total sum that is insured to you and you are bound to receive in case you make a valid claim against the insurance.
- Coverage Offered: Depending on the size of shop and the nature of your business, the coverage of your plan may also vary. So its best suggested to review them as well at the time of comparing different home insurance plans.
- Easy Claim Process: This is one of the most important aspects of any insurance – the claim should be an easy-going process as that is the time when you actually cash in your investment on insurance and get the cover you were entitled for.
Looking for your Shop Insurance?
InstaCover India offers a variety of benefits and advantages in terms of covers and savings, so when searching for a good Shop Insurance, you need to look no further!
Call us now and we will do the best we can to help you out with your Shop Insurance needs
