Shop Insurance Policy Online Starting ₹530/year*

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Get Shopkeepers Insurance Policy Online in India

Why is a Shop Insurance important?

1.6 million fire accidents were reported in the country in 2021.(1)
Fire is voted as the fourth disruptive risk as per India Risk Survey, 2021.(2)
In India, a total of 9,329 cases of fire accidents were reported in 2020. (3)

What’s great about Digit’s Shopkeeper Insurance Policy?

  • Complete Protection: From natural calamities like floods, earthquakes and fire; our shop insurance comes is a complete package that offers all benefits within one policy.
  • Sum Insured: We give you the option to customize your sum insured based on the nature and size of your business! 
  • Quick Online Claims: Our shopkeepers' insurance is technology enabled, that’s why making claims are not only easy to make, but easy to settle too. All you need while making a claim is a smartphone and our Digit app to guide you through our quick self-inspection process. (Note: Claims above Rs 1 lakh will require physical inspections as per the laws set by the IRDAI)  
  • Value for Money: We understand that running a business involves plenty costs and a fine balance of profits and losses. That’s why, we ensure we give you the best possible shop insurance premium to easily fit your shop budget.
  • Covers all Business Categories: Whether you have a small general store or a large manufacturing mill; our shopkeeper’s insurance is suitable for every type and size of business. 

What’s Covered in Shopkeeper's Insurance by Digit?

The Shop Insurance policy offered by Digit offer the following coverages



The policy will cover damage to the insured property which has resulted due to fire because of own fermentation, natural heating, or spontaneous combustion. The policy also covers damage caused because of forest fire and jungle fire as well.

Explosion, Implosion, Collison, Impact

Explosion or Implosion

Damage caused to the office premises due to an implosion, explosion or impact/collision with any external physical object is covered.

Damage due to natural calamities

Natural Calamities

Coverage for physical loss to the insured property because of storm, earthquakes, volcanic eruptions, cyclone, tempest, flood, etc. or land slide and rock slide, is covered.



Damage to property due to strikes, riots, an act of terrorrism and malicious intent is covered.



Theft reported within 7 days from the insured premises after the occurrence of any of the above mentioned points.

Other coverages

Other Coverages

Damage to property because of bursting/overflowing of water tanks, apparatus and pipes, due to leakage from automatic sprinkler installations.

What's not Covered?

Types of Shop Insurance Plans 

Option 1

Option 2

Option 3

Covers only contents of your shop.

Covers both your shop building and contents of your shop.

Covers your building.


Things to know about Shop Insurance

  • What is ‘content’ in Shopkeeper’s Insurance: Contents in a Shopkeeper’s Insurance refers to the primary items in your shop. For example; if you run a clothing boutique, the contents here would refer to all the different garments you have present in your shop, for sale.
  • What do you mean by ‘building’ in Shopkeeper’s Insurance: Building in Insurance of Shopkeeper refers to the physical aspect of your store. 

How to file a Claim?

After you buy our shopkeeper insurance policy, you can live tension free as we have a simple digital claims process!

Step 1

Call us at 1800-258-5956 or email us at and your loss will be registered with us.

Step 2

A self-inspection link will be sent to you so you can easily upload photos and videos of the loss incurred at your shop or its contents.

Step 3

Once you’ve completed the self-inspection process, the damage is assessed and verified and if required (in specific situations where the losses can’t be analyzed digitally), a loss assessor may be appointed.

Step 4

Depending on the situation, our customer care will let you know if we need any additional documents such as a FIR, non-traceable report, fire brigade report (in the case of fire), invoices, purchase documents, sales reports, etc.

Step 5

If all is good, and the loss is verified, you will receive payment and compensations for the respective damages and losses.

Step 6

The payment is processed via NEFT transfer.

Who needs a Shopkeeper’s Insurance policy?

Family Business Owners

If you own and manage a shop of your own, selling a range or selective line of products such as clothes, toys, household items, accessories, etc. You will need a shop insurance to ensure that your shop is covered against any business losses. 

Independent Shopkeepers

A shopkeeper's insurance policy is a must for shop owners who run their shops as a primary source of income. This is because the risk of losing your shop or suffering from financial losses.

Shopkeepers with Shops in Prime Areas

Businessmen or businesswomen owning shops in popular parts of the city, as these shops would be more prone to risks. 

Multiple Shop Owners

Owners who own multiple shops will need a shopkeeper's insurance policy for each of their shops. Insuring your business doesn’t only protect your shop and goods from unforeseen circumstances but, essentially ensures you don’t face any unplanned financial losses that may affect the stability of your business.

High-Risk Businesses

Some businesses are more prone to dangers than others. For instance; a jewellery store is more likely to be at the risk than a general store. Similarly, some factories are probably more prone to a fire than an office. Therefore, basis the nature of your business, you can evaluate whether getting a shop insurance makes sense for you or not. 

Types of Shops Covered

Mobile and Other Electronics

Businesses that primarily sell mobile phones, mobile accessories or other electronics. Stores like CromaOnePlusRedmi, etc are good examples of such properties. In such a case, a property insurance would help protect the store and its primary contents from potential losses and damages; one of the most common ones in this case being burglaries. 

Grocery and General Stores

From neighborhood kirana shops to your budget friendly supermarkets and general stores; all grocery stores and general stores too are covered for in a property insurance. Shops like Big BazaarStar Bazaar and Reliance Supermarkets are some common examples of the same. 

Offices and Educational Spaces

It is designed to suit office premises and educational institutions such as colleges, schools, and coaching classes. Insuring such a property isn’t only vital to protect losses but, also give your employees or students more confidence towards your respective institution.

Manufacturing and Processing

This includes all your factories and mills used to manufacture your business’s final products. Whether it’s a textile mill or a chemical manufacturing centre, Digit’s Shopkeeper’s insurance policy covers for them all.

Personal Lifestyle and Fitness

From your favorite malls and clothing stores to spas, gyms and other stores; a Property Insurance by Digit also covers for all businesses in the personal lifestyle and fitness sector. Examples of such properties includes Enrich SalonsCult Fitness CentersPhoenix Market City, and other stores.

Food and Eatables

The one place everyone devours! From cafes and food trucks to restaurant chains and bakeries; a Property Insurance by Digit is well-suited for all kinds of eatery joints as well. Some examples of such properties include restaurants at food courts, tea shops like Chai Point and Chayyos and fast food joints like Burger King and Pizza Hut as well. 


One of the most vital properties that should be protected; a Property Insurance by Digit also covers for Hospitals, Clinics, Diagnostic Centers and Pharmacies and other Medical Stores. 

Home Repair Services

This category of businesses includes everything from carpentry and plumbing repairs to motor garages and engineering workshops. 


Apart from the categories mentioned above, a property insurance by Digit is suitable for all sizes and nature of businesses. If you can’t find your category in the list, feel free to get in touch with us and we’ll help you out in selecting the best suited property insurance for your home or business.

How to choose the right Sum Insured for your Shopkeeper’s Insurance Policy?

Know more about Shop Insurance Plans in India

FAQs about Shop Insurance Policy