Shop Insurance by ICICI Lombard

Scope of Cover:
-Fire (Building and Contents) - Covers losses caused by fire, lightening, riot, strike, storm, cyclone, flood and terrorism.
-Burglary - Protects contents of your shop against any loss or damage caused by burglary or attempted burglary.
-Burglary of cash in safe - Provides for losses resulting from the burglary of cash kept in safe.
-Cash in transit- Covers losses because of burglary of cash while it is being carried from the bank/ATM to your shop.
-Glass breakage - Covers loss or damage to any fixed plain glass caused by any accident, external and visible means.
-Damage to neon sign - Covers neon or glow signs displayed at your shop premises against damage caused by fire, accident, riot, and flood.
-Cheque forgery - Covers loss caused by forgery or material alteration of cheques, drafts or any other negotiable instruments issued by you or in your favour.
-Fidelity - Covers direct financial losses sustained due to fraud or any dishonest act by your salaried employees.
-Tenant's legal liability - This cover provides for legal liability imposed on you by the property owner on account of damage to property by fire, earthquake, flood and riots.
-Employer's liability - It provides for legal liability to your employees.

Benefits / features:
-Lightning fast claims
-Lots of additional optional covers available making it the most comprehensive policy.
-Significant Exclusions

Under Insurance
If the actual value of the insured property at the time of loss under the Fire is found to be greater than the sum insured chosen by you, then the claim would be proportionally reduced.
-Wilful destruction of property by the following
-Damage or destruction caused by war perils
-Wear and tear
-Atmospheric conditions

Source: https://www.icicilombard.com/business-insurance/shop-insurance.html