Shop or Office Insurance
Tailored Protection for Your Business Space
Running a business, whether it’s a local shop, professional clinic, or modern office, comes with its own set of risks. From property damage and theft to legal liabilities and business interruption, any disruption can have a serious impact on your operations. That’s where Shop and Office Insurance steps in—offering comprehensive protection for your physical premises, assets, staff, and day-to-day operations.
Why Shop or Office Insurance Is Important
In today’s business environment, especially for small to medium-sized enterprises like medical clinics, kirana/general stores, salons, repair services, logistics, real estate agencies, cafés, and restaurants, having the right insurance is not just a good idea—it’s often a legal requirement. If you have employees, Employer’s Liability Insurance is mandatory. Additionally, Buildings and Contents Insurance has become a top priority as businesses recognize the need to safeguard both structure and stock from risks like fire, floods, or theft.
Get Custom Coverage That Grows With You
Our experienced team works closely with business owners to assess your risks and build an insurance package that’s aligned with your industry, business size, and daily operations. Whether you’re a retail shop, clinic, or office-based service provider, we help you stay protected and compliant while you focus on growth.
What Does Shop and Office Insurance Cover?
Shop and Office Insurance can be customized to suit your specific business type and scale. Typical coverage includes:
Public & Products Liability
Public & Products Liability to protect against third-party injury or property damage
Employer’s Liability
Employer’s Liability to meet legal obligations towards staff
Theft and Accidental Damage
Theft and Accidental Damage to stock, contents, or premises
Fire, Flood & Storm Damage
Fire, Flood & Storm Damage to buildings and equipment
Shop Frontage, Glass & Signage Cover
Shop Frontage, Glass & Signage Cover for exterior protection
Goods in Transit
Goods in Transit insurance for mobile inventory
Business Interruption Cover
Business Interruption Cover to recover income during downtime
Legal Expenses
Legal Expenses, Content All Risk, and Equipment Breakdown
Shop or Office Insurance FAQs
Shop or Office Insurance is a business insurance policy that protects your commercial space—like a shop, showroom, or office—from financial losses due to fire, theft, natural calamities, legal liabilities, and more.
This insurance is ideal for:
● Retail shop owners
● Small to large business owners
● Service providers (e.g., salons, clinics, consultants)
● Corporate and home-based office setups
It generally includes:
● Fire and allied perils (earthquake, flood, storm, etc.)
● Burglary and theft
● Damage to furniture, electronics, and equipment
● Business interruption due to covered events
● Third-party liability (optional)
● Employee injury (optional add-on)
Yes. Many shop insurance policies allow you to insure your stock, raw materials, and finished goods along with the premises.
Common exclusions include:
● Intentional damage
● War or nuclear risks
● Wear and tear or gradual deterioration
● Losses due to negligence
● Uninsured items not listed in the policy
Yes, insurers allow you to choose the sum insured and add covers such as:
● Money insurance (for cash kept on premises)
● Electronic equipment coverage
● Public liability
● Employee accident cover
It depends on:
● Location and size of the premises
● Nature of business
● Value of stock and equipment
● Risk exposure (e.g., high fire risk areas)
● Coverage amount and selected add-ons
No, it is not legally mandatory in India. However, it is highly recommended to secure your commercial premises and avoid financial disruptions.
In case of damage or loss:
● Inform the insurer immediately
● File an FIR (in case of theft or vandalism)
● Submit photos, bills, and required documents
● Cooperate with the surveyor for claim verification