Shop Insurance

Protect your business premises, stock, and assets from fire, theft, and other risks.

Secure Your Business Space

What is Shop Insurance and Why It’s Important

Shop insurance provides financial protection for retail stores, showrooms, and commercial establishments against unexpected events like fire, burglary, natural disasters, and accidental damage. It covers both the physical structure and the contents inside your shop.

Whether you run a small grocery store or a large retail outlet, having a shop insurance policy ensures that your business is shielded from unforeseen losses, allowing you to focus on growth and daily operations.

Hassle-Free Protection for Your Business

Why Buy Shop Insurance Online?

Instant Coverage

Buy or renew your policy quickly without paperwork or in-person visits.

Flexible Policy Options

Choose from structure-only, contents-only, or comprehensive shop cover.

Compare Plans & Save

Get competitive quotes and customize coverage as per your business needs.

Peace of Mind for Your Everyday Operations

Why Shop Insurance is a Must-Have

01

Protection Against Fire & Natural Calamities

Covers losses caused by fire, floods, earthquakes, and other natural events.

02

Theft & Burglary Coverage

Reimburses for loss or damage to goods due to burglary or attempted theft.

03

Damage to Shop Fixtures

Covers interior damage to shelves, counters, displays, and fittings.

04

Coverage for Stock-in-Trade

Protects your inventory from risks that could disrupt your business.

05

Liability Cover

Optional coverage for third-party injury or property damage inside the shop.

06

Business Continuity

Minimizes downtime by supporting quick recovery from damages or losses.

Policies for All Shop Types

Types of Shop Insurance Plans

Building Insurance

Covers the shop structure from physical damage due to insured risks.

Contents Insurance

Protects your stock, equipment, and business assets inside the shop.

Comprehensive Shop Insurance

A bundled plan covering both building and contents with optional add-ons.

Protection Built for Retailers

Why Upsure is the Right Choice for Shop Insurance

Compare Policies Easily

Access plans from multiple insurers, tailored to your shop type and size.

100% Online Convenience

Buy, renew, and manage your policy digitally with minimal paperwork.

Personalized Support

Get advice on the right coverage based on your shop’s risk exposure.

Competitive Premiums

Affordable coverage for small businesses and large retail establishments.

Quick Claim Assistance

Our team helps you file claims and resolve issues without delays.

Add-on Options Available

Include protection for glass breakage, money in transit, and more.

Don’t Settle for Less Coverage

Why You Should Compare Shop Insurance Before You Buy

Every business is different. Comparing shop insurance policies ensures that you select the right level of protection at the best possible price.

Coverage Matching Your Shop Type

Select policies that fit grocery stores, apparel shops, salons, or showrooms.

Understand the Fine Print

Know the limits, exclusions, and conditions before purchase.

Save on Premiums

Get value for money without compromising on protection.

Add-on Comparison

Choose useful add-ons based on your business operations.

Three Simple Steps

Buy or Renew Shop Insurance in Minutes

01

Provide Shop Details

Enter information like shop location, area, and business category.

02

Compare and Choose Your Plan

Evaluate coverage, premium, and add-ons before making a decision.

03

Make Payment and Receive Policy

Pay securely online and receive your policy document immediately.

Simple and Straightforward

Documents Required for Shop Insurance

Business Ownership Proof

Shop license, trade certificate, or rental agreement.

Address and ID Proof

Aadhar, PAN, or utility bills with shop address.

Inventory/Asset Details

List of goods or equipment for accurate sum insured estimate.

Get Back to Business Fast

How to File a Shop Insurance Claim

1

Notify the Insurer Immediately

Report the incident as soon as it occurs, along with basic details.

2

Submit Necessary Documents

SInclude claim form, FIR (if applicable), photos, and invoices.

3

Assessment and Claim Settlement

The insurer will arrange for a survey and process the claim based on the findings.

Common Questions for Shop Owners

Frequently Asked Questions

Any individual or business that owns or operates a shop can buy this insurance. It is ideal for retailers, wholesalers, traders, and small business owners. Whether you run a small store or a chain of outlets, shop insurance offers tailored protection.

A standard policy covers damage to the building, fixtures, stock, and contents due to fire, burglary, riots, natural disasters, and certain accidental damages. Some policies also include add-ons like money in transit, fidelity guarantee, or breakdown of electronic equipment.

It depends on your ownership. If you rent the shop, insuring contents may be sufficient. If you own the property, it's advisable to opt for a comprehensive policy covering both structure and contents to ensure full protection against potential risks.

Yes, electronic items such as computers, billing machines, or security systems can be covered under contents insurance. Cash stored in the shop can also be covered under specific add-ons. You may need to declare the amount and ensure proper security measures.

Wear and tear, loss due to negligence, deliberate damage, war, and illegal activities are commonly excluded. Damages occurring when the shop is left unlocked or unattended for extended periods may also not be covered. Always review the policy wording carefully.

Yes, if you are a tenant, you can purchase contents-only insurance to protect your stock and business assets. You are not responsible for the structure unless specified in your rental agreement. Landlords may separately insure the building.

The premium depends on the shop’s location, size, nature of business, sum insured for contents and building, and any additional cover selected. Shops in high-risk areas or with valuable stock may have higher premiums, but discounts may apply for safety features.

Claims are usually settled within 7 to 15 business days after the submission of all required documents and the completion of the survey. Upsure coordinates with the insurer to speed up the process and reduce your downtime as much as possible.

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Email: contactus@upsurebrokers.com Call: +91 90452 83235

Address: B-11, 2nd Floor, Sector 4, Noida UP - 201301

Upsure Insurance Brokers Pvt. Ltd., IRDAI Broker code - IRDAI / DB 958 / 2022, Valid Till date - 25 / 06 / 2026, Licence Number-899, CIN No.: U67200UP2022PTC164788, Principal officer name: Ankush Jain,
Contact No.: 91+ 90452 83235, Email ID: ankush.jain@upsurebrokers.com