Shop Insurance
Your Business, Safe Through Every Twist and Turn!
Covers fire & theft
Shields stock & interiors
Covers cash & assets
Quick claim settlement
Customizable add-on covers
Protection for all shops
Get Your Free Quote / Consultation !
What is Shop Insurance?
Shop Insurance is a protection plan designed to safeguard your shop or retail business against damages or losses caused by fire, theft, natural calamities, or accidents.
It covers not only your shop premises but also contents like stock, furniture, and cash.
In case a customer or visitor gets injured on your premises, shop insurance can also provide liability cover for such incidents.
Through BuyVima, you can compare policies from multiple insurers and select one that fits your coverage needs and budget.
Why Choose Shop Insurance Through BuyVima?
When you purchase through BuyVima, you get unbiased comparisons and expert support:
Compare top insurers side by side
Transparent pricing no hidden costs or agent commissions
Expert assistance our team helps you understand inclusions and exclusions clearly
Quick claims support we coordinate directly with insurers for faster resolution
All-in-one platform for all your business insurance needs from property to liability
Who Should Get Shop Insurance?
Shop Insurance is essential for various types of shop owners and retail businesses. Find out if it's the right fit for your enterprise.
Independent Shopkeepers
Small Grocery, Stationery & General Stores
Protect your growing business assets with comprehensive coverage. Ideal for retail shops seeking reliable protection.
Asset protection
Quick claim settlement
Affordable premiums
Family Business Owners
Clothing, Toy & Household Goods Shops
Safeguard your family business with robust coverage that ensures business continuity and protects your investments.
Stock protection
Interior coverage
Liability protection
Multiple Shop Owners
Managing Several Outlets
Comprehensive protection for businesses with multiple locations or godowns across different areas.
Multi-location coverage
Centralized management
Bulk discounts
Franchise & Showroom Owners
Significant Investment in Interiors
Perfect for franchise owners and showrooms with high-value investments in interiors, stock, or equipment.
High-value asset coverage
Customizable add-ons
Professional support
Types of Shops Covered
BuyVima offers insurance options for shops of all kinds
Electronics and mobile stores
Grocery and department stores
Pharmacies and medical shops
Clothing, footwear, and accessories shops
Furniture and home décor outlets
Bookstores and stationery shops
Florists and gift shops
Food, fruit, and vegetable stores
Poultry and pet supply stores
What's Included and What's Not
Below are standard inclusions and exclusions. Actual coverage may vary by insurer, and BuyVima helps compare these details. Knowing the inclusions and exclusions ensures your shop gets the right protection without unexpected gaps.
Fire and lightning
Storms, cyclones, hurricanes, typhoons, tornadoes, tsunamis, floods
Forest fires
Missile testing operations
Acts of terrorism
Bursting or overflow of water tanks and pipes
Explosions or collapse due to low internal pressure
Earthquake
Sinking or subsidence of land
Damage caused by external objects crashing into the property
Riots or strikes
Leakage from automatic sprinkler systems
Theft during working hours (without any break-in)
Burglary
Cash in safe/ Cash in counter
Cash in transit
Glass breakage
Neon sign / Glow sign
Public liability
How to Choose the Right Shop Insurance
Follow these guidelines to select the best insurance plan for your shop
Assess your property value
Include building, interiors, and equipment
Evaluate stock value
Cover the maximum stock level, not just average
Consider add-ons
For glass, signage, electronics, or cash cover
Review insurer reliability
Use BuyVima's platform to compare top-rated insurers
Include future growth buffer
Choose coverage slightly higher than current valuation
Solutions by BuyVima for Shop Owners
Comprehensive solutions to protect and grow your shop business
Virtual Risk Assessment
Identify vulnerabilities like wiring faults or leak risks via online audits
Customized Policy Bundles
Combine shop, fire, and liability insurance into one plan
Cash Flow Protection
Add business interruption cover to stay secure during downtime
Safety Advisory
Get expert recommendations to lower risk and reduce premiums
Documents Required
Documents commonly required by insurers include:
Proof of identity and address
Property ownership or rental agreement
Shop registration certificate (if applicable)
Building plan and asset details
Stock valuation certificate
Prior insurance policy (if applicable)
BuyVima guides you on insurer-specific document requirements before purchase.
Frequently Asked Questions
FAQs About Shop Insurance
BuyVima answers the most common queries to help you understand coverage before buying.