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Shopkeepers Insurance Exclusions

Neon or Glow Signs  

 

This shopkeepers' insurance section provides cover for loss or damage to the neon glow sign fixed in your premises accidentally, including fire, riots, and strikes.

 

Exclusions

 

  • Damage arising directly or indirectly from fire, heat, gas, lightning, explosions, burglary, storms, heavy winds, floods, inundations, earthquakes, strikes, riots, or civil commotions
  • Scratched, cracked, or imperfect glass
  • Damage as a result of faulty workmanship or defective design of frames, fittings, or fixtures
  • Cost of recreating any glazing, lettering, or ornamentation
 

Pedal Cycle Coverage

 This part of the shopkeepers' insurance policy provides for loss or damage to pedal cycles against accidents, that iclude fire and its associated perils, burglary, housebreaking, theft. It also includes any third party legal liability for accidental injury, death, or property damage.

 

Electrical or Mechanical Appliances Breakdown

This shopkeepers' insurance section provides cover for sudden and unforeseen electrical or mechanical breakdown of electrical or mechanical appliances such as air conditioners, refrigerators, photocopiers etc.


Exclusions

  • Items that are more than 7 to 10 years old.
  • Loss or damage to belts, ropes, chains, rubber tyres, dies, moulds, blades, cutters, knives or exchangeable tools, engraved or impression cylinders, or rolls
  • Loss or damage to objects made of glass, porcelain, ceramics, all operating fluids such as lubricating oil, fuel, catalyst, refrigerant etc.
  • Felts, endless conveyor belts or wires, sieves, fabrics, heat resisting and anti-corrosive lining, packing material, non-metal parts except insulating material, and non-metallic lining or coating of metal parts
  • Loss or damage for which the manufacturer or supplier or repairer of the property is responsible either by law or contract

Baggage Coverage

 

This section of the shopkeepers' insurance policy provides for loss or damage by accident or misfortune to your baggage your family members, while being carried on a journey anywhere in the world on business.

 

Exclusions

 

  • Theft from car except from fully enclosed saloon cars having all the doors, windows, and other opening securely locked
  • Loss to money securities, gold and silver ornaments, travel tickets, cheques, share certificates, and articles of consumable nature.
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