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Kshema General Insurance
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Kshema General Insurance

IRDAI Reg No. 162 | Category of Certificate of Registration: General Insurance | CIN: U66000TG2018PLC125484

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Kshema General Insurance Limited #413, 4th Floor, My Home Tycoon, Kundan Bagh, Begumpet, Hyderabad, Telangana - 500016, India

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BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale.

Trade logo displayed above belongs to Kshema Capital Private Limited and is licensed to Kshema General Insurance Limited.

Kshema Shop Insurance Policy

  • Protects your shop premises, interiors, and business/commercial assets against Fire and Allied Perils under a shop insurance policy
  • Covers shop structure, permanent fixtures, fittings, furniture, and stock within the insured premises
  • Includes debris removal, professional fees, and optional covers for stock and valuable business contents, as per policy terms
A shopkeeper with a trolley outside an insured storefront, beside a green shield with a tick

What is Kshema
Shop Insurance Policy?

The Kshema Shop Insurance Policy offers comprehensive protection to shops and commercial establishments against losses arising from fire, burglary, and other unforeseen risks.

  • Tailored for small shops, commercial outlets, and service establishments
  • Affordable premiums with comprehensive coverage
  • Protect your buildings, stock-in-trade, equipment, and business contents
A green shield with a tick, carrying a storefront badge

Why Choose
Kshema Shop Insurance Policy?

Comprehensive protection designed to safeguard your shop premises and business/commercial assets against common risks.

  • Tailored for Small & Medium Businesses

    Tailored for commercial premises such as shops, godowns, hotels.

  • Covers Both Structure and Contents

    Includes owned building, stock-in trade, furniture, fixtures, fittings, equipment and more.

  • Quick & Hassle-Free Claims

    A seamless claims process for your convenience.

  • Optional Covers for Business Assets

    Optional covers available for high-value business assets, stock, and contents, as per policy terms.

  • Loss of Rent/Business Interruption Support

    Provides support in case of business interruption and/or loss of rent when the shop premises becomes unusable due to a covered loss.

  • Additional Benefits

    Covers debris removal costs and professional fees following a covered loss, as per policy terms.

What Does Kshema Shop Insurance Policy
Cover and Not Cover?

Once you purchase our crop insurance policy, we provide clear documentation outlining exactly what protects your harvest and what falls outside the scope.

  • What's Covered
    • Fire
    • Lightning
    • Explosion / Implosion
    • Earthquake, volcanic eruption, land subsidence, landslide, rockslide
    • Storm, cyclone, tempest, hurricane, tornado, flood, inundation
    • Riot, strike, malicious damage
    • Impact damage (vehicle, falling tree/object, aircraft etc.)
    • Burst/overflowing of water tanks, pipes
    • Sprinkler leakage
    • Missile testing
    • Theft within 7 days of a covered event
  • What's Not Covered
    • Deliberate or intentional damage
    • War, invasion, civil unrest
    • Nuclear incidents
    • Pollution (unless caused by a covered peril)
    • Electrical breakdown to specific machines (resultant fire is covered)
    • Missing/mislaid property
    • More than 10% structural expansion without endorsement
    • Consequential losses (loss of income, market value drop)
    • Cost of preparing a claim
    • Reduction in market value after repairs

Protect Your Business Assets From

Comprehensive coverage against a wide range of perils to ensure your business continuity remains uninterrupted.

  • Robbery or Holdup

    Robbery or Holdup

  • Shop Fire

    Shop Fire

  • Housebreaking

    Housebreaking

  • Fire

    Fire

FAQs

Request a Callback Now!

Need help with finding the best insurance solution? Our representative will guide you through the plans and help you buy a policy.

Policy Documents

  1. 1. ProspectusView 1. Prospectus
  2. 2. Proposal FormView 2. Proposal Form
  3. 3. Policy WordingsView 3. Policy Wordings
  4. 4. Customer Information SheetView 4. Customer Information Sheet
  5. 5. Frequently Asked QuestionsView 5. Frequently Asked Questions