There are various sorts of day shop insurance available in the market. The various schemes available are for car, taxi, fish and chip, shop insurance, retail insurance, charity insurance, shopkeepers plans & policy, merchant insurance, home insurance etc.
In case of a shop policy, the policy is available for all kinds of losses which can be there, like fire, marine etc. It is a comprehensive policy which contains both the structure and its contents of your shop. It protects the customers from all sorts of financial losses caused due to fire, earthquake, burglary, fraud etc. it also provides compensation for the liability claims and accidental clause. One such policy is offered by ICICI Lombard General Insurance Company. It provides Safeguard against fire, burglary, burglary of cash in safe, cash in transit, glass breakage, cheque forgery, employer's liability.
The Fire policy covers losses caused due to fire, riots, storm, strikes, cyclones etc. Burglary policy covers provides protection against any loss caused due to burglary of the stock available in the shop as well as the cash available. The cash in Transit policy of the day shop insurance provides cover for the loss due to the lost of cash while being taken from the bank/ATM to the shop.
Moreover the Glass Breakage policy of the day shop insurance covers loss or damage to any fixed plain glass caused by any accident, external and visible means. The Cheque Forgery is also available in the day shop insurance which providers cover for the loss caused due to forgery or material alteration of cheque, draft or any such negotiable instrument.
The day shop insurance is available for both motor car and two wheelers. It protects your vehicle against every sort of comprehensible risk related to the vehicle - theft or damage to it, death of the driver or passengers in an accident, and damage caused by the vehicle to another person or property (Third Party Liability). The feature which separates motor insurance from others and makes it unique is that it is mandatory under the Motor Vehicle Act. As per the act the owner of the motor car must have its policy. The need for the policy arises because of the reasons like recovery of the Loss or damage to the vehicle insured which may include own damage, theft which can be both partial and total, injury to the third party or death of the third party, damage of property of the third party of accidents. The two types of car insurance policies available in the market are Liability Only and Policy Package Policy.
The health insurance policies help to sail through the medical contingencies without leading to and financial problems. It provides an easy source of finance at the time of any medical problems. The various medical policies available in the market are Group Insurance and Individual Insurance
Group insurance policy provides a policy cover to a group of people like employees of a company, members of a club or an association or members of a co-operative society etc. Individual insurance is available to fulfill the needs of an individual only. The customer should make a choice after comparing various plans and then selecting best out of them.
Mr Kabir delivering expert advice and guidance of commercial insurance for contractors liability, commercial vehicles, let property and personal insurance products for household building and contents.He can be reached at admin@activeinsure.co.uk
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