Shop Insurance Online – Buy Shopkeeper Insurance

What is a Shopkeeper Insurance?

A shop Keeper insurance is a type of insurance policy designed to cover for a shop’s property and its contents within. At Digit, our shop insurance covers for fire and natural calamities such as floods and earthquakes through our Standard Fire & Special Perils policy.

However, since properties like shops are always at a risk of burglary, we also offer a burglary policy as part of our shop insurance. This way, your shop isn’t only protected from fires and natural calamities but also from damages and losses that could occur due to a burglary.

It is a comprehensive policy which is generally used for covering shops in order to cover the loss or damage to both the structure and it’s contents and against financial loss in case of an unfortunate incident of fire, earthquake, flood, riot, fraud and burglary of cash in safe place and while in transit from bank to shop vice versa etc. It also provide compensation of liability claims and accidental benefits.

About Shopkeeper Insurance

  • Complete Protection: From natural calamities like floods, earthquakes and fires to common burglaries; our shop insurance comes is a complete package that offers all benefits within one policy.
  • Sum Insured: We give you the option to customize your sum insured based on the nature and size of your business! 
  • Quick Online Claims: Our shopkeepers’ insurance is technology enabled, that’s why making claims are not only easy to make, but easy to settle too. All you need while making a claim is a smartphone and our Digit app to guide you through our quick self-inspection process. (Note: Claims above Rs 1 lakh will require physical inspections as per the laws set by the IRDAI)  
  • Value for Money: We understand that running a business involves plenty costs and a fine balance of profits and losses. That’s why, we ensure we give you the best possible shop insurance premium to easily fit your shop budget.
  • Covers all Business Categories: Whether you have a small general store or a large manufacturing mill; our shopkeeper’s insurance is suitable for every type and size of business. 

What’s Covered in Shopkeeper Insurance

  1. Fire: It covers loss or damage to buildings and contents due to fire, lightening, strike, riot, storm, cyclone, flood etc.
  2. Burglary:It covers any loss or damage caused by burglary or attempt of burglary to contents in your shop
  3. Money(Safe & Transit): It covers loss of money due to burglary of cash in safe place or in transit from shop to bank/atm and bank to shop. The premium is calculated from Per Sending Limit as defined by the insured.
  4. Fidelity: It covers financial losses due to fraud or dishonest act of salaried employees.
  5. Cheque Forgery: Loss occurred due to forgery or material alteration of cheques, drafts or any negotiable instruments issued by you or in your favor
  6. Personal Accident: Bodily injuries because of accident resulting in death or permanent total disability. It also provides for ambulance charges upto Rs 2000 and in the event of death for carriage of dead body
  1. Public liability: This cover provides for legal liability on behalf of the proposer for accidental death or bodily injury to third party excluding resident employee or domestic staff as well as accidental damage to third party property.
  2. Glass Breakage: This covers loss or damage to any fixed plain glass caused by an accident, external and visible means
  3. NEON SIGN: Neon or glow signs displayed at your shop premises are covered against damage caused by fire, accident, riot & flood
  4. Medical Expenses To Insured: This covers provides benefit for medical expenses, to extent of sum insured under this cover, incurred by the proposer for the hospital treatment against any accident
  5. Employer’s Liability: Covers legal liability to your employees
  6. Tenants Legal Liability: It provides for legal liability imposed on you by the property owner on account of damage to property by fire, earthquake, flood riots, etc
  7. Marine Transit of Goods: The losses or damage caused to the goods during movement from go-down to shop.