Fire & Allied Perils
Covers loss or damage from fire, lightning, explosion of domestic appliances, and bursting of water tanks and pipes.
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A fire, a break-in, or a natural calamity can wipe out years of accumulated business assets in minutes. Fire and Burglary Insurance protects buildings, plant and machinery, furniture, fixtures, and stock against a wide range of named perils — restoring your business to its pre-loss financial position.
We design covers for offices, retail stores, warehouses, factories, and clinics — combining the standard Fire policy (with named perils like fire, lightning, storm, flood, riot) with Burglary, Money-in-Safe, and Plate Glass extensions where relevant.
Comprehensive protection designed for real-world needs and unexpected situations.
Covers loss or damage from fire, lightning, explosion of domestic appliances, and bursting of water tanks and pipes.
Coverage for storm, cyclone, flood, inundation, earthquake, landslide, and subsidence — critical given changing climate-risk patterns.
Protects against theft involving forceful or violent entry into the premises, and damage caused to the property during the burglary.
Insures raw materials, work-in-progress, and finished goods at declared values — with floating-stock and declaration-policy options for variable inventory.
Optional extension for cash kept in safe and money in transit between premises and bank — covering loss by theft, holdup, or accident.
Covers loss of gross profit and standing charges while operations are suspended due to a covered fire or peril event — keeps the business solvent during recovery.
Real reasons clients choose this protection and stay protected for the long term.
Reinstatement Value clauses allow new-for-old replacement of damaged assets — without depreciation deductions.
One policy covers the entire physical footprint — building, contents, stock, and electronic equipment — under a unified sum insured.
Banks financing buildings or equipment require fire insurance as a standard loan covenant. Landlords often require it for leased premises.
Business Interruption cover funds rent, wages, and overheads while you rebuild — preventing temporary disruption from becoming permanent closure.
Premiums and conditions vary by industry — manufacturing, warehousing, retail, and office have very different risk profiles. We tailor accordingly.
Fire insurance is one of the most cost-efficient commercial covers — typically a small fraction of the sum insured value per year.
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View DetailsSpeak with an InsureWise advisor for a personalized recommendation — free, transparent, and tailored to your needs.