your shop. covered like it's yours.
Seven covers bundled into one policy. Fire, theft, stock, electronic equipment, money in transit, employee compensation, public liability. Sized for retail, jewellery, pharmacy, garment, electronics, restaurants and bookstores — the businesses where the floor is the founder's risk capital.
seven layers. one shop.
A small shop has more risk surfaces than people realise. Fire to the back room. Burglary at 3am. The customer who slipped near the entrance. The cash bag in transit to the bank. Shop insurance bundles seven covers so you don't end up uncovered on the line that actually bites.
Direct fire damage plus the "allied" perils — lightning strike, smoke damage, explosion. The base layer of every shop policy, covers structure + fittings + contents.
Forcible entry burglary, armed hold-up, malicious damage. Includes after-hours burglary that's the typical retail nightmare. Stock + cash + fittings stolen during a covered event.
Stock-in-trade including raw material, finished goods, and stock moved between locations (godown to shop, shop to godown). Floater policy lets you average seasonal swings — festive stock peaks, post-festival lull.
Computers, POS terminals, billing machines, payment gateways, CCTVs, AC units. Includes mechanical and electrical breakdown. Critical for jewellery (anti-theft tech), pharma (cold storage), restaurants (POS + kitchen).
Cash in safe (when shop is closed), cash in transit (en route to bank or home), cash on counter during business hours. Limits vary — usually a daily and annual cap.
Workmen's Compensation Act cover for staff injuries during work — the slip in a stockroom, the burn from a kitchen, the cut in a workshop. Mandatory for employers; protects you from owner liability.
Third-party liability for injury or property damage caused on your premises — the customer who trips, the passer-by hit by a falling sign. Sum-insured usually ₹5L-50L; we calibrate to footfall.
eight shop shapes. all calibrated.
Shop insurance isn't one-size-fits-all. A jewellery shop's biggest risk is theft + high stock value. A restaurant's biggest risk is fire + public liability. We size each cover to the shape of business you actually run.
General retail with footfall + stock turnover. Standard 7-cover policy with stock floater + public liability calibrated to weekly customer count.
High-value, easily-stolen stock. Theft + burglary limits sized higher. Electronic equipment cover for testing rigs + POS.
Highest theft exposure. Stock protection becomes the centre of the policy, with special burglary clauses for safe + in-display cover. Money insurance for daily settlements.
Seasonal stock swings. Stock floater + fire cover are the dominant lines. Public liability for in-store changing rooms / mirrors.
Cold-chain medicine = electronic equipment + business interruption are critical. Public liability for prescription errors (handled separately by professional indemnity).
Kitchen fire + employee compensation (burns, cuts) + public liability (customer slips). Money in transit for daily cash settlement.
Fire risk on paper + stock. Lower theft exposure than electronics. Public liability for in-store browsing tripping hazards.
Customised package — we tune the 7 covers to your floor area, footfall, stock value, employee count. Premium ranges ₹8,000-50,000/year depending on these inputs.
Shop insurance is offered through funds to wealth., with Archita as a Point of Sales Person (POSP) of D2C Insurance Broking Pvt. Ltd. (RenewBuy), an IRDAI-licensed insurance broker. The actual policy contract is between you and the chosen insurer. Panel insurers include ICICI Lombard, HDFC Ergo, Bajaj Allianz, TATA AIG, SBI General, Reliance General, Chola MS, Acko, Digit, IFFCO-Tokio, Universal Sompo and others.
Shop Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Sum-insured for each cover (fire, stock, money, etc.) must be declared honestly — the "average clause" applies if underinsured. Public liability and employee compensation cover require additional KYC of your business setup.
questions, answered.
If yours isn't here, ask on the call. We answer in plain English.
My shop is small — do I really need all seven covers?
You probably need 5-6 of the 7. The relevant ones depend on your shop type. Restaurants and pharmacies always need employee compensation. Jewellery and electronics always need theft + burglary + cash. We don't sell you covers you don't need — we drop the ones that don't apply.
What does shop insurance NOT cover?
Stock theft by your own employees (separate Fidelity Guarantee policy), wear and tear, gradual deterioration, war, nuclear events, business interruption from non-physical causes (e.g., supplier failure). Also doesn't cover professional liability for advice (e.g., pharmacist error) — that's professional indemnity.
My shop is in a rented space. Does that change anything?
Yes — you typically don't insure the structure (landlord does that), but you insure all the contents, fittings, stock, equipment, plus public liability and business interruption. Most landlord policies don't cover tenant business losses, so tenant cover is critical.
How is sum insured calculated for stock?
Two ways: fixed sum-insured (your peak stock value during the year) or declaration policy (you declare monthly stock value, premium adjusts at year-end). Declaration is more accurate for seasonal businesses; fixed is simpler for steady-state shops.
Premium range — what should I expect?
For a typical Mumbai retail shop with ₹20-50L stock, ₹3-5L equipment, 2-5 employees: ₹12,000-30,000 a year for the bundled 7-cover policy. Premium scales with sum-insured + shop type + location risk class. We'll always show you the lowest fit-for-purpose quote.
Do I pay funds to wealth anything for this?
No. You pay only the premium, exactly as priced by the insurer — nothing extra for coming through us. Insurance is solicited via D2C Insurance Broking Pvt. Ltd. (RenewBuy), an IRDAI-licensed broker, and everything we do operates within IRDAI rules. The honest fine print is at /disclosures.
let's insure your shop.
A 30-minute call. We'll walk through your shop layout, footfall, stock value and employee count, then pull three quotes from the panel calibrated to your shape of business.
got it. archita will call you.
Usually within 12 minutes during Mumbai work hours.
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