What is Shop Insurance?
A shop is more than just a workplace—it is your source of income and livelihood. Shop Insurance
is a tailored policy that protects shop owners against losses or damages to shop premises, stock,
and assets caused by fire, burglary, natural disasters, accidents, and legal liabilities.
With Doorstep Bima, you can compare and buy the best shop insurance policies from leading insurers
and secure your business with complete financial protection.
Why Do You Need Shop Insurance?
- Fire, explosions, and electrical short-circuits
- Theft, burglary, and robbery of stock or cash
- Natural calamities like floods, storms, and earthquakes
- Accidental damage to furniture, fittings, and electronics
- Public liability claims arising from shop accidents
- Business interruption and income loss
Who Should Buy Shop Insurance?
- Small retailers and shop owners
- Showrooms and boutiques
- Restaurants, bakeries, and cafes
- Chemists and medical stores
- Beauty salons and service shops
- Supermarkets and departmental stores
Coverage Under Shop Insurance
- Property Damage – Damage to building and interiors
- Stock Coverage – Protection for goods and merchandise
- Cash Insurance – Loss of money in safe or during transit
- Burglary & Theft – Forced entry and dacoity losses
- Public Liability – Third-party legal claims
- Employee Coverage – Accidental injury cover
- Natural Disasters – Floods, storms, earthquakes
Exclusions in Shop Insurance
- Intentional damage or fraud
- Normal wear and tear
- War or nuclear risks
- Goods stored in open areas without protection
- Illegal stock or activities
Types of Shop Insurance Policies
- Basic Shop Insurance
- Comprehensive Shop Package
- Customized Shop Cover
Add-On Covers You Can Choose
- Loss of rent or alternate accommodation
- Fidelity guarantee
- Machinery breakdown cover
- Glass, signage, and display board coverage
Claim Process with Doorstep Bima
- Report the incident immediately
- Surveyor assessment
- Submit required documents
- Verification and approval
- Claim settlement
Why Choose Doorstep Bima?
- Compare top insurers at one place
- Tailored coverage for every shop type
- Affordable premiums
- Dedicated claim assistance
- Hassle-free policy process
Conclusion
Running a shop comes with daily risks, but a well-chosen Shop Insurance policy protects your
property, stock, income, and reputation. With Doorstep Bima, secure your shop with expert advice
and transparent plan comparisons.