Insurance For Hotels, Dwellings & Shops

Protect Your Property, Business, And Valuable Assets With Confidence

Get comprehensive insurance solutions for hotels, residential dwellings, shops, retail outlets, and small businesses. Safeguard your property, contents, stock, furniture, and equipment against unexpected risks that could disrupt your home or business.

Introduction Section

Complete Protection For
Property Owners And Business Establishments

Insurance for Hotels, Dwellings & Shops is a specialized insurance policy designed to protect residential properties, hospitality establishments, and retail businesses against financial losses arising from unforeseen events.

Whether you own a hotel, guest house, homestay, retail shop, showroom, supermarket, office, or residential dwelling, this policy provides coverage for the building structure, furniture, fixtures, equipment, stock, and other valuable assets.

Unexpected incidents such as fire, burglary, natural disasters, accidental damage, and other covered risks can result in significant financial losses. This insurance helps you recover quickly and continue operations with minimal disruption.

With a single policy, property owners and business operators can secure their investments and gain peace of mind knowing their assets are protected.

Instant Guidance Expert assistance for policy selection, coverage comparison, and renewals.
Claim Support Dedicated support during claim filing, documentation, and settlement.
Flexible Covers Customized solutions for hotels, homes, shops, showrooms, and commercial establishments.
Types of Insurance Plans

Find The Right Plan For Your Property

Comprehensive insurance solutions for hotels, dwellings, and shops with tailored plans designed to protect every property and business need.

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Car Insurance

Complete Car Protection

Comprehensive protection for your car against damages, theft, and third-party claims.

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Hotel Insurance

Complete Hospitality Protection

Designed for hotels, resorts, lodges, guest houses, hostels, and homestays. Covers building structures, furniture, fixtures, kitchen equipment, electrical installations, and guest-related facilities.

Commercial vehicle icon
Dwelling Insurance

Home And Property Protection

Protects residential buildings and household contents against fire, theft, natural calamities, and accidental damage.

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Shop Insurance

Retail Business Security

Comprehensive protection for retail stores, supermarkets, pharmacies, boutiques, mobile shops, and other commercial outlets.

Coverage Types

What This Insurance Usually Covers

Select the right insurance coverage options for hotels, dwellings, and shops based on your protection needs, budget, and business requirements.

Comprehensive Insurance

Building Coverage

  • Property Structure Protection
  • Building structure and permanent fixtures
  • Interior fittings and renovations
  • Electrical and plumbing installations
Property
Third-Party Insurance

Contents Coverage

  • Valuable Asset Protection
  • Furniture and fixtures
  • Computers and office equipment
  • Kitchen and hotel equipment
  • Electronic systems and devices
Contents
Third-Party Insurance

Stock Coverage

  • Inventory And Merchandise Protection
  • Raw materials
  • Finished goods
  • Retail stock
  • Stored inventory
  • Business merchandise
Stock
Documents Required

Keep These Ready Before You Apply

Having the correct documents helps speed up policy issuance and claim processing.

01
Vehicle RC

Property Ownership Proof

Sale deed, property tax receipt, or rental agreement.
02
ID proof

Identity Proof

PAN Card Aadhaar Card Passport Driving Licence
03
Vehicle RC

Property Details

Building specifications and occupancy information.
04
Vehicle RC

Asset & Stock Details

Information about contents, machinery, stock, and insured assets.
05
ID proof

Business Registration Documents

GST Certificate Shop Act License Trade License
06
Vehicle RC

Previous Insurance Policy

Existing or expired insurance policy details (if available).
What's Covered

Protection That Works For Your Property And Business

  • Fire, lightning, and explosion damage
  • Burglary and theft of insured assets
  • Flood, cyclone, storm, and earthquake damage
  • Damage to furniture, fixtures, and interiors
  • Loss or damage to stock and inventory
  • Electrical equipment and appliance damage
  • Accidental physical loss or property damage
  • Damage caused by riots, strikes, and malicious acts (as per policy terms)
What's Not Covered

Common Exclusions

  • Normal wear and tear
  • Gradual deterioration of property
  • Mechanical or electrical breakdown not covered under extensions
  • Intentional or fraudulent acts
  • War, invasion, and nuclear risks
  • Loss due to poor maintenance
  • Illegal activities conducted on the premises
Enhance Your Protection

Add-Ons That Make Coverage Stronger

Burglary & Theft Extension

Additional protection for cash, stock, and valuable assets against burglary and theft.

Money Insurance

Covers cash kept in the premises and cash in transit.

Electronic Equipment Cover

Protection for computers, CCTV systems, billing machines, POS terminals, and electronic devices.

Glass Insurance Cover

Covers accidental breakage of display glass, glass doors, and shopfront panels.

Machinery Breakdown Cover

Protection against sudden and unforeseen mechanical or electrical breakdown of equipment.

Business Interruption Cover

Compensates for loss of income resulting from insured property damage.

Public Liability Cover

Protection against legal liability arising from injury or property damage caused to third parties.

Terrorism Cover

Additional protection against losses caused by acts of terrorism.

Claim Process

How To File A Claim

A simple and transparent claim process helps you recover quickly after an unexpected incident.

1

Inform Claim

Notify Times Care immediately after the loss or damage occurs.

2

Survey & Assessment

Surveyor visits the property to inspect and assess the damage.

3

Submit Docs

Provide claim form, photographs, invoices, ownership proof, and supporting documents.

4

Verification

Insurer reviews policy coverage and validates claim details.

5

Settlement

Approved claim amount is settled according to policy terms and conditions.

Why Choose Times Care
Why Choose Times Care

Reliable Support Beyond Just Policy Purchase

✔ Comprehensive property and asset protection

✔ Flexible coverage options

✔ Affordable premium plans

✔ Paperless policy issuance

✔ Quick claim assistance

✔ Expert guidance and support

✔ Dedicated customer support

Have Any Questions?

Get quick answers to common motor insurance queries around legal cover, claim timelines, coverage types, and renewal support.

Contact us
Who should buy Insurance for Hotels, Dwellings & Shops?

This policy is suitable for hotel owners, guest house operators, homeowners, landlords, shopkeepers, retailers, showroom owners, and small business operators.

Does the policy cover stock and inventory?

Yes, the policy provides coverage for stock and inventory, subject to the terms and conditions of the policy.

Can I insure both the building and its contents?

Yes. The policy can provide protection for both the building structure and the contents inside the premises.

Is burglary covered under this policy?

Yes. Burglary and theft coverage can be included under the policy, subject to terms and conditions.

How long does claim settlement take?

Claim settlement timelines depend on the nature of the loss, documentation submitted, and insurer verification procedures.

Secure Your Property, Protect Your Business, And Safeguard Your Future

Speak with Times Care to compare insurance options, customize coverage, and protect your hotel,dwelling, or shop from unexpected risks and financial losses.