Do you know insurance company pays for your loss if your employee ran away with your money?

Do you know insurance company indemnifies, if someone loots cash from your cashier while going to bank or vice versa?

Do you know insurance company reimburses you if someone does fraud with fake cheque?

Many features including all three are in built in Merchant's or Shopkeeper's Insurance. This is a bundle policy which comes with incredible features on extremely low premium.

Continuity of business without interruption is a basic need for survival of business and to provide financial stability to its owner. Hence it becomes crucial to protect this means of livelihood. To safeguard a small & medium- sized business owners from various risks related to its building & contents , an umbrella insurance policy is required.

What is covered under Merchant's or Shopkeeper's Insurance?

1. Fire (Building and Contents)

    Loss due to fire, lightening, riot, strike, storm, cyclone, flood, etc.

    Add On - terrorism and Earthquake

2. Burglary

     Loss or damage due to theft following upon actual forcible and violent entry of and/or exit from the premises and includes housebreaking.

3. Glass Breakage

     Loss or damage to any fixed plain glass caused by any accident, external and visible means

4. Fidelity

     Direct financial losses due to fraud or dishonest act of employees

5. Cash in Safe

     Loss of money kept within premises in safe and strong room due to    Robbery, hold up and burglary

6. Cash in Transit

     Losses because of loot of cash while it is being carried from bank/ATM to your shop of while going to deposit it to the bank.

7. Personal Accident

     Death, Permanent Total Disability

     Add on cover upto 2000/- and carriage of dead body

8. Public Liability

     legal liability on behalf of the insured for accidental death or bodily injury to             third party excluding resident employee or domestic staff; as well as accidental  damage to third party property.

9.  Employers Liability

      Legal liability in respect of any bodily injury or the loss of life of, the Insured's employees arising out of and in the course of their employment.

10. Neon Sign

      Loss or damage caused by fire, accident, riot, flood.

11. Medical Expenses

      Medical expenses incurred due to fire and burglary for Hospital treatment

12. Cheque Forgery

       Loss caused by forgery or material alteration of cheques, drafts or any  other negotiable instruments issued in favour of the Insured.

13. Tenant's Legal Liability

       Legal liability imposed on you by the property owner on account of unintentional property damage by fire, explosion or water damage.

14. Marine Transit of Goods

       The losses or damage caused to the goods during movement from godown to shop arising out of any accident to carrying vehicles, Fire &  Burglary during transit

EXCLUSIONS IN POLICY: Following are not covered under this policy;

1. In case the actual value of the sum insured is less when compared to the loss occurred under fire then claim would be reduced in the same proportion
2. Involvement of the Insured's and/or Insured's staff directly / indirectly
3. livestock, motor vehicles, pedal cycles, money, securities for money, stamp, bullion, deeds, bonds, bills of exchange, promissory notes, stock or share certificates, business books, manuscripts, documents of any kind, ATM debit or credit cards (unless previously specifically declared to, and accepted by, the Company);
4. Insured's premises is unoccupied, for a period of more than 30 days consecutively To any property illegally acquired, kept, stored , or property subject to forfeiture in any manner whatsoever.
5. To jewellery, gold ornaments, precious stones and silver articles of any description
6. Second or subsequent transit in any one day.
7. Where the absence of immediate notice to the Police authorities and to the Company, along with FIR

A. Simple & Customized Products

B. Single policy for various covers/requirement

C. Easy to manage & remember renewal Date of the policy

To know about claim procedure and to obtain a best quote, you can contact me at my mobile no. 9999682324 or can write to me at abad@bimasathi.in