Shop Insurance

Running a shop comes with many risks — from unexpected accidents to theft and damages. With TPL Shop Insurance, you can secure your shop furniture, goods stored in it and your livelihood with a simple, affordable plan designed for every shopkeeper’s peace of mind.

Key Features

Affordable Plans

Premium just starts from just PKR 8,500, designed to fit every shopkeeper’s budget.

High Coverage

Get protection up to PKR 2,020,000 for your shop and business essentials.

Comprehensive Protection

Covers shop structure, furniture, fittings, electrical installations, and sign boards.

Personal Accident & Healh Cover

Include accedintal death and hospitalization benefits for added security.

Business Interruption Benefit

Daily compensation of up to PKR 5,000 to keep your income stable after covered events.

Frequently Asked Questions

Any shopkeeper with a registered business premises (except excluded categories) can buy this policy.

Package 1: PKR 8,500 premium → Coverage up to PKR 1,010,000 (per annum)
Package 2: PKR 16,000 premium → Coverage up to PKR 2,020,000 (per annum)

Yes, business interruption cover pays up to PKR 5,000 per day (with a 1-day deductible).

No, the process is simple — no underinsurance and no complicated declarations required.

You can call us at (021) 111-000-301 or visit our branch/website to apply.

The coverage will no longer be valid unless TPL Insurance is informed and approves the new location.

It covers damage or loss due to fire, lightning, explosions, aircraft impact, earthquakes, floods, hailstorms, cyclones, vehicle impact, riots, strikes, malicious intent, burglary, and more.

Yes, but only if it involves forcible and violent entry or exit. Theft by someone lawfully on the premises (e.g., staff or family) is not covered.

Yes, the policy includes coverage for earthquakes, floods, cyclones, and other specified atmospheric disturbances.

Yes, under Electrical Clause “B,” partial electrical damage (up to 40% of system value) is covered if caused by fire or lightning.

Exclusions include: • War, terrorism, and nuclear risks
• Pollution or contamination
• Pollution or contamination
• Theft without force
• Indirect or consequential losses (e.g., business interruption)
• Damage from negligence or poor maintenance

Yes, the payout is capped at the sum insured mentioned in your policy or the system’s market value at the time of loss—whichever is lower.

Immediately notify TPL Insurance and file a written claim within 15 days. Supporting documents such as photos, invoices, and a loss report will be required.

You must submit your claim within 15 days of the incident unless an extension is granted in writing.

A written claim, proof of ownership, invoices, photographs of the damage, FIR (if applicable), and any other supporting documents required by TPL Insurance.

TPL Insurance may choose to reimburse the system’s value or replace it, depending on the nature of the loss and the policy terms

Timelines can vary based on the nature of the claim and submission of complete documentation. TPL aims to resolve claims efficiently and transparently.

1. Vehicle Reg. No. is Correct, if not kindly call our Call Centre and notify immediately
2. Sum Insured of the vehicle. If it is less/greater than market value than you should increase/decrease the sum insured.

Claim loading is applied when you take claim and is applied on renewal. For each claim 10% loading is charged on renewal. If you take 2 claims during your policy period, claim loading of 20% will be applied on renewal.

Any claim that is being resolved will affect the renewal premium. Once the claim is settled your premium will be adjusted accordingly.

No, it’s mandatory for insurance.

No Claim Bonus (NCB) is the discount which the Company allows on renewal if no claim made during the policy period. 5% NCB is provided on renewal and each subsequent year 5% is provided till it reaches 25%. In case of a claim two stages of NCB is withdrawn on renewal.

No. If you have 15% NCB and you take one claim then on renewal you shall be entitled of 5% NCB.

Need to inform our renewal team or at our contact center. In case where the vehicle tracker device is owned by us please ensure that this is removed by TPL Insurance. For query please call on 111-000-301.

There is no grace period.

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SHOP INSURANCE