Shopkeeper Policy

Shopkeeper Insurance Policy covers all the probable risks and perils faced by small to medium sized shop owners. It provides protection for the property and the interests of the Insured in the business venture.

Scope of Cover

  • Property All Risks : Fire, burglary and accidental damage cover to building (if owned), office equipment and all contents.
  • Business Interruption : Loss of profit or increased cost of working resulting from interruption of business due to damage by fire and allied perils.
  • Breakdown : Electrical and Mechanical breakdown of office equipment like air-conditioners, photocopiers, water filters, refrigerators, computers and related items.
  • Portable items : Cover for laptops, palmtops and mobile phones against all risks anywhere in the world.
  • Money in transit and Money in safe at premises : Cover against robbery, dacoity, burglary and housebreaking.
  • Dishonesty of Employees : Loss of money or goods caused by fraud or dishonesty of employees.
  • Group Personal Accident : Any accidental bodily injury resulting in death/disablement. This is a 24-hour worldwide cover.
  • BaggageAccidental loss of or damage to baggage while on an official journey anywhere in the world.
  • Public liabilityYour legal liability to pay, including costs and expenses incurred on account of legal liability arising out of accidental bodily injury and/or property damage to third parties happening in your premises.


  • Loss or damage caused by depreciation or wear and tear.
  • Consequential losses.
  • Loss or damage to property by pollution or contamination.
  • War and nuclear perils.

About HaYoSha Insurance Advisory

HaYoSha Insurance Advisory (HIA) is a group owned by people of more than three decades experience and one of the leading Insurance Advisory firm offering insurance solution with a customer-centric approach.We at HIA strongly believe in our Values & Philosophy. Our emphasis is strong on Leadership, Dedication, Integrity & Innovation.

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    India: (+91)9820587015