Shopkeepers’ Insurance: A shopkeepers’ insurance policy is a suitable option for retail store owners engaged in businesses such as grocery shops, clothing outlets, small eateries, sweet shops, and more. This all-inclusive policy protects against the various risks and uncertainties commonly encountered by small and medium-sized shop owners. It provides coverage for losses arising from the following situations:

• Fire and Allied Perils
• Burglary and Break-in
• Machinery Damage or Breakdown
• Personal Accident Coverage

Transit Insurance: When valuable business goods are moved from one place to another—for instance, from a supplier’s factory to a retail store—it is advisable to have transit insurance in place. This policy safeguards against losses arising from damage or disappearance of the consignment. The sales contract should clearly specify who is responsible for arranging the transit insurance, and the policy must be secured before the goods leave the supplier’s premises. Transit insurance is applicable only to goods transported by land. Below are some of the items typically covered under this insurance:

Commercial vhicle Insurence Owners of vehicles used for transporting passengers or goods are required to obtain commercial vehicle insurance. This insurance provides coverage for the vehicle against different kinds of external damages. Key aspects of commercial vehicle insurance include:

• Compensation for death or bodily injury
• Coverage for damage to property

Liability Insurance: This policy safeguards businesses and individuals against risks where they could be held legally responsible, particularly for establishments like hospitals and business owners. For instance, if an employee in a factory suffers an electric shock while at work, the factory owner might face a liability claim. In such cases, employee liability insurance can provide support by covering medical expenses as well as any related legal costs.

Warehouse Insurance: Businesses in which majority of the functions are dependent and happens in multiple warehouses may consider buying a warehouse insurance. It covers natural calamity, fire and similar unforeseen situations . Moreover, you can get the compensation against human-made hazards like theft and burglary.

Office Package Insurance: This type of insurance protects one’s office and everything under the roof, including the infrastructure. It offers protection to the office premises, in case of any damage due to fire, theft, burglary, earthquake, etc. It also provides personal accident coverage. One should understand all the points that are included and excluded in the policy. For instance, the policy does not cover any problem arising due to illegal activity or war-like situation.