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Shop Insurance
Shop Insurance – Secure Your Store, Safeguard Your Income
Whether it's a small retail outlet, a boutique, a grocery store, or a showroom, your shop is the heart of your daily income. But one unfortunate incident—like a fire, theft, or storm—can bring everything to a halt. Risk Relife’s Shop Insurance offers comprehensive protection for your business premises, inventory, and assets so that you can focus on selling, while we handle the safety.
What is Shop Insurance?
Shop Insurance is a business protection plan tailored for retail shop owners. It provides financial coverage for loss or damage caused by risks such as fire, burglary, natural calamities, equipment failure, and third-party liabilities. It’s a must-have safety net for any business relying on a physical store.
What Does Shop Insurance Cover?
- Fire & Allied Perils: Losses due to fire, explosion, lightning, flood, storm, earthquake, and other natural calamities.
- Burglary & Theft: Protection against theft of goods, machinery, cash, and valuables kept in the shop.
- Stock and Inventory: Covers damage or loss to goods stored in the shop or warehouse.
- Fixtures and Fittings: Insures furniture, counters, racks, signage, lighting, and interiors.
- Electrical & Electronic Equipment: Damage to POS systems, computers, AC units, refrigerators, and other machinery.
- Plate Glass Breakage: Covers large glass displays and doors.
- Money Insurance: Add-on cover for cash stored or in transit.
- Third-Party Liability: Covers injuries or property damage to customers or visitors due to accidents on the premises.
- Business Interruption (Optional): Compensation for loss of income due to temporary closure after an insured event.
Who Should Buy Shop Insurance?
- Grocery Stores & Supermarkets
- Garment and Footwear Shops
- Salons and Spas
- Jewellery & Mobile Stores
- Electronics & Home Appliance Shops
- Bookstores & Stationery Shops
- Bakeries & Food Outlets
- Any business with a physical retail presence
Add-On Cover Options
- Employee Dishonesty/Theft
- Cyber Liability for POS systems
- Signage & Hoarding Insurance
- Loss or damage during riots or strikes
- Goods in transit between supplier and shop
What’s Not Covered?
- Intentional or willful damage
- Loss due to normal wear and tear
- Damages caused by war, nuclear risks, or terrorism (unless add-on is taken)
- Unexplained loss or accounting errors
- Pre-existing damages
Why Choose Risk Relife’s Shop Insurance?
- Tailored policies for shop size and risk profile
- Single policy with multi-risk coverage
- Affordable premiums for all types of businesses
- Fast, hassle-free claims
- 24x7 customer assistance