Turn Down the Heat on Fire Risks!
Fire insurance that’s got you covered. Get protection from fire, smoke, and related risks with a stress-free process.
Your One-Stop Solution For Fire Safety
- Top fire safety partners, killer rates.
- Easy safety, from start to finish
- Fire safety made simple, with expert help.
- Everything you need for fire safety, right here.
- Top fire safety partners, killer rates.
- Easy safety, from start to finish
- Fire safety made simple, with expert help.
- Everything you need for fire safety, right here.
4000+ Client Reviews Fire insurance that’s got you covered. Get protection from fire, smoke, and related risks with a stress-free process.
Fire Insurance Clients
What is Fire Insurance
A fire insurance policy offers financial protection against losses or damages caused by fire, lightning, explosion, short-circuiting, and other allied perils. It covers both movable and immovable assets including your building, stock, machinery, furniture, and office equipment.
This policy ensures that your business can recover quickly by covering the cost of repairs, replacements, and reconstruction. Whether you’re a startup, SME, or large enterprise, fire insurance helps minimize disruption and financial risk in the event of an unforeseen incident.
Who is Fire Insurance For?
A fire insurance plan is ideal for any business that owns or occupies physical premises in India, including:
- Offices, Startups, and Commercial Buildings
- Manufacturing Units and Industrial Plants
- Warehouses, Logistics & Storage Facilities
- Retail Shops, Showrooms, and Shopping Complexes
- Educational Institutions, Hospitals, and Clinics
If your business has assets on-site whether owned or leased, a fire insurance policy is a critical risk management tool. It not only protects your property but also supports business continuity and compliance with standard commercial safety practices in India.
What Fire Insurance Covers
Fire
Lightening
Explosion
Terrorist Activity
Riots
Strikes
Natural Calamity
Landslide
Water Tank Damage
Bush Fire
Aircraft Damage
Add-on Covers
Under the Standard Fire and Special Perils Policy Coverage
- Architects, Surveyors and Consulting Engineers fees (in excess of 3% of claim amount)
- Debris Removal (in excess of 1% of claim amount)
- Deterioration of Stock in Cold Storage
- Forest Fire
- Impact Damage by insured's vehicles, etc.
- Spontaneous combustion
- Omission to ensure Additions, Alterations or Extensions
- Earthquake (Fire and Shock)
- Spoilage Material Damage Cover
- Leakage and Contamination Cover
- Loss of Rent
- Additional expenses on rent for Alternative Accommodation
- Start-Up Expenses
- Terrorism Cover
Insurance Partners
We’re Partners With 20+ Major Insurance Companies
FAQ's
Does fire insurance cover intentional damage?
No, intentional acts aren't covered.
Is wear and tear covered?
No, normal wear isn't covered.
Am I covered if war causes damage?
No, acts of war aren't covered.
What about heat-related process damage?
Damage from applying heat isn't covered.
Is electrical damage from disturbances covered?
Not unless it causes a fire.
What are the general exclusions in Fire Insurance policies?
- Deliberate Acts or Gross Negligence
- War & Civil Unrest
- Nuclear Hazards
- Pollution or Contamination
- Consequential Losses
- Unnotified Structural Changes
- Existing Damage
Customers Says..
I am extremely grateful to Coverbizz for their prompt and professional handling of my inundation claim after the excessive rains in Jaipur. Their expertise and support made the entire process smooth and stress-free. I highly recommend Coverbizz for their outstanding service and dedication to their clients.
Mr. Sant Kumar
(Khandaka Jain Jewellers)
I am extremely grateful to Coverbizz for their prompt and professional handling of my inundation claim after the excessive rains in Jaipur. Their expertise and support made the entire process smooth and stress-free. I highly recommend Coverbizz for their outstanding service and dedication to their clients.
