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Reliance General Insurance

Reliance Shopkeeper's Package Policy Features

Shops are sources of revenue for many in our country. It not only provides income but is also an asset. It's very essential to secure this means of livelihood. With Reliance Shopkeeper's Package, you can get protection against any risk that your shop is exposed to and also peace of mind for smooth running of your business.
Reliance Shopkeepers' Package Policy can be issued to:

  • Establishments for a sum insured for upto Rs 2 crores under the section of Fire and Allied Perils.
  • For risks above Rs 2 crore under Fire and Allied Perils, please refer to the Commercial Care Policy

​Key Benefits:

  • Cover of Rs 2 crore for establishments under the fire and allied perils
  • Wide range of covers on various threats
  • Affordable premium
  • Selection of the coverage of your choice
  • Attractive discounts depending on the number of covers that you opt for
  • Option of selecting either the reinstatement value or market value as the basis of indemnity
  • Easy documentation for your convenience​

​Reliance Shopkeeper's Package Policy Coverage:

This policy covers your business against:

  • Fire and Allied Perils

Covers the structure of your business premises and contents therein, against:
- Fire
- Lightning
- Explosion/implosion
- Aircraft damage
- Riot, strike, and malicious damage
- Storm, cyclone, typhoon, tempest, hurricane, tornado, flood, and inundation
- Impact damage
- Subsidence and land-slide including rock-slide
- Bursting and/or overflowing of water tanks, apparatus, and pipes
- Missile testing operations
- Leakage from automatic sprinkler installation
- Bush fire
- Earthquake (fire and shock)

  • Burglary and Housebreaking

- Cover for housebreaking, theft, and larceny of office contents

  • Machinery Breakdown

- Cover for breakdown of electrical/mechanical appliances
- Cover for your apparatus or gadgets in your premises

  • Electronic Equipment and Appliances

- Provides all-risk cover for electronic appliances such as medical equipment
- Cover for loss of electronic installations, data carrying material, and software

  • Money Insurance

Provides coverage against loss of money due to an accident or a misfortune while it is in:
- Transit from the business premises to bank and vice versa
- A safe at the business premises
- A till at the business premises

  • Baggage

- Compensates for loss of baggage while on travel for official purposes

  • Fixed Plate Glass and Sanitary Fittings

- Covers loss or damage to fixed plate glass
- Covers accidental damage to sanitary fittings

  • Neon Sign/Glow Sign/Hoarding

- Covers office publicity tools such as neon signs and hoardings against all risks

  • Personal Accident

- Compensation for accidental death or bodily injury to all employees
- Education grant and carriage of dead body are also paid for
- Provides the option of medical extension

  • Infidelity/ Dishonesty of employees

- Covers loss or damage caused by dishonest acts of employees

  • Legal Liability - To employee

- Compensation for accidents arising out of and in the course of employment
- Provides cover for legal liability to third parties

​Reliance Shopkeeper's Package Policy Exclusions:

The policy does not cover:

  • Loss or damage due to war and nuclear perils
  • Loss or damage due to wear and tear and gradually developing flaws
  • Consequential loss of any kind
  • Excess as specified
  • Loss without substantiation or mysterious disappearance