Protect Your Business with Merchant’s / Shopkeeper’s Insurance: Comprehensive Coverage at Affordable Premiums
Do you know that insurance companies can cover your losses if:
- An employee runs away with your money?
- Cash is looted from your cashier while being transported to or from the bank?
- Someone commits fraud using a fake cheque against your business?
If not, it’s time to consider Merchant’s or Shopkeeper’s Insurance — an all-in-one, affordable umbrella policy designed to protect small and medium-sized business owners from a variety of risks impacting their livelihood.
Why Merchant’s Insurance Is Crucial for Small Business Owners
Business continuity and financial stability are critical for survival. Protecting your investment from damage or loss to your premises, stock, cash, and liabilities helps you sustain operations without disruption. This insurance bundles essential covers under one policy, reducing hassle and ensuring wide-ranging protection.
What Does Merchant’s/Shopkeeper’s Insurance Cover?
- Fire (Building & Contents): Losses due to fire, lightning, riots, storms, floods, and optionally terrorism and earthquake.
- Burglary: Theft involving forcible entry or exit.
- Glass Breakage: Damage to fixed glass caused by accident.
- Fidelity: Loss from employee fraud or dishonesty.
- Cash in Safe: Lost money inside safes due to robbery or burglary.
- Cash in Transit: Losses during transit between bank/ATM and shop.
- Personal Accident: Death or permanent disability, with add-ons like carriage of dead body.
- Public Liability: Legal liability for third-party injury or property damage (excluding employees).
- Employers Liability: Liability for injury or death of employees during employment.
- Neon Sign: Loss/damage due to fire, riot, flood.
- Medical Expenses: Hospital treatment costs caused by fire or burglary.
- Cheque Forgery: Loss from forged or altered cheques/drafts issued in your favor.
- Tenant’s Legal Liability: Liability for unintentional property damage to rented premises.
- Marine Transit of Goods: Loss/damage of goods moving from godown to shop.
Important Policy Exclusions
- Underinsurance leads to proportional claim reduction.
- Losses involving insured or staff wrongdoing excluded.
- Livestock, vehicles, money, securities, documents, precious metals, and jewelry typically excluded unless declared.
- Unoccupied premises for more than 30 consecutive days not covered.
- Losses without immediate police notice & FIR not covered.
- Second or subsequent cash transit in a day excluded.
Benefits at a Glance
- Simple and customizable products
- Single policy for multiple coverages
- Easy management and renewal
Need a Quote or Claim Guidance?
Contact me for the best quotes tailored to your business needs or assistance with claim procedures.
Abad Khan
AK Insurance Marketing Pvt. Ltd.
Mobile: +91 99996 82324
Email: abad@bimasathi.in
