Fire Insurance

Fire Insurance


A traditional and a time-tested policy that offers cover against fire and allied perils and the perils of nature. 

The policy can cover building (including plinth and foundation), plant and machinery, stocks, furniture, fixtures and fittings and other contents.

Standard Fire

The standard cover is a named-peril policy covering the following perils:

  • Fire
  • Explosion/ Implosion (excluding explosion/ implosion of boilers, economizers or other vessels, machinery or apparatus in which steam is generated)
  • Direct lightning
  • Aircraft including damage caused by any article dropped there from (excluding pressure waves)
  • Riot, strike, malicious damage-excluding terrorism
  • Storm, cyclone, typhoon, tempest, hurricane, tornado, flood and inundation
  • Impact by any rail/ road/ vehicle/ animal (other than own)
  • Subsidence and landslide including rockslide
  • Bursting and/ or overflowing of water tanks, apparatus and pipes
  • Missile testing operations
  • Leakage of water from automatic sprinkler installations
  • Bush fire (excluding forest fire)
  • Terrorism risk can be covered on payment of additional premium


The policy also covers

  • Removal of debris up to 1% of claim amount
  • Architect's and Surveyor's fees up to 3% of claim amount

Salient Features


  • Quick and expert risk inspections where required
  • Expert Risk Control Programme by our Risk Engineers on all aspects of safety and Loss Prevention/ Minimization
  • Availability of various optional covers
  • Rating based on individual risk features including claims experience and fire protection systems availability
  • Superior claim service