Turn Down the Heat on Fire Risks!
Comprehensive fire insurance that actually fights financial flames, for India’s businesses and property owners. Get protection against fire and allied perils with claims processing that responds faster than fire brigades.
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- India's top fire insurers, blaze-battle expertise
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Fire Insurance
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What is Fire Insurance
Fire insurance is like having a financial firefighter who shows up with cash instead of water! It’s comprehensive protection covering buildings, machinery, stock, and contents against fire and its allied perils – that’s insurance-speak for fire’s troublemaking friends like lightning, explosions, riots, storms, floods, earthquakes, and even missile testing operations (yes, that’s actually covered!).
Whether you’re running a textile mill in Surat or a retail store in Mumbai, fire insurance ensures that when flames strike, your business rises from the ashes financially intact. It covers not just actual fire, but 12 named perils that could torch your property and profits!
Why Is This Policy Vital for Business Owners?
Because One Match Can Delete Your Life’s Work!
India witnesses over 25,000 fire incidents annually causing ₹2,000+ crore in property losses. A single factory fire can destroy ₹5-50 crore in assets within hours. Fire insurance is the difference between “temporary closure for repairs” and “permanent shutdown notice.” It’s survival insurance for Indian businesses! .Who Needs Fire Insurance?
Manufacturing & Industrial Units
Factories with machinery, raw materials, and finished goods need comprehensive coverage against fire and production loss.
Warehouses & Godowns
Storage facilities holding inventory worth crores require protection against fire, lightning, and allied perils.
Retail Shops & Showrooms
Commercial establishments with stock and fixtures need coverage for building structure and merchandise.
Residential Buildings & Apartments
Homeowners and housing societies require fire protection for structures, contents, and common areas.
Hotels & Hospitality
Medical establishments with expensive equipment and critical operations need specialized fire coverage.
Chronic Disease Patients
Restaurants, hotels, and service businesses face high fire risks requiring comprehensive property protection.
Types / Add-ons Commonly Offered
Standard Fire & Special Perils (SFSP)
12 named perils coverage: fire, lightning, explosion, riots, storms, floods
Consequential Loss (ALOP)
Business interruption and profit loss during post-fire shutdown
Terrorism & SRCC Cover
Strikes, riots, civil commotion, and malicious damage protection
Earthquake Extension
Enhanced earthquake fire and shock damage coverage
Spontaneous Combustion
Self-ignition coverage for coal, jute, hay, chemicals
Burglary & Theft Add-on
Comprehensive theft and burglary protection extension
Forest Fire & Bush Fire
Specialized wildfire coverage for properties near forests
Debris Removal & Cleanup
Enhanced debris clearance plus architects’/engineers’ fees beyond standard 1–3% limits
Loss of Rent & Alternative Accommodation
Rental income loss and temporary housing expenses combined
Impact Damage Cover
Damage by insured's vehicles, forklifts, equipment
Cold Storage & Spoilage
Deterioration and temperature-sensitive stock damage coverage
Automatic Coverage Extensions
Omission clause for undeclared additions, alterations, extensions
What Fire Insurance Covers
Fire
Lightening
Explosion
Terrorist Activity
Riot & Strike
Storm & Flood
Earthquake
Impact Damage
Landslide
Water Tank Damage
Bush Fire
Aircraft Damage
Inclusions & Exclusions
Inclusions
Fire & Smoke Damage
Direct damage from fire, smoke, and soot to building structure, machinery, stock, and contents
Lightning Strike
Electrical damage and fires caused by lightning hitting insured property
Explosion/Implosion
Damage from gas explosions, boiler bursts, and pressure equipment failures
Riot, Strike, Malicious Damage (RSMD)
Violent activities, strikes, terrorism, and intentional property damage by external parties
Natural Calamities (STFI)
Storm, tempest, typhoon, flood, inundation, cyclone, and hurricane damage to insured property
Allied Perils
Impact damage from vehicles/animals, burst water tanks, sprinkler leakage, subsidence, landslide, rockslide, bush fire, missile testing, and aircraft damage
Exclusions
War & Nuclear Risks
Damage from war, invasion, civil war, military operations, and nuclear/radioactive contamination excluded
Electrical Damage
Short circuits in electrical machines and apparatus excluded unless fire results
Spontaneous Combustion
Self-ignition and fermentation damage excluded in standard policies (needs specific coverage)
Willful Negligence
Intentional acts, deliberate damage, and gross negligence by insured excluded
Underground Fire
Fire originating below ground level and consequential losses beyond policy scope excluded
Insurance Partners
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FAQ's
Allied perils are fire's troublemaking friends: lightning, explosion, riots, storms, floods, earthquakes, aircraft damage, and 5 more named perils. Total 12 perils covered!
Only if short circuit causes fire! Pure electrical machine damage without fire isn't covered- needs separate machinery breakdown insurance!
Yes! Tenants insure contents; landlords insure buildings. Both need separate policies - fire doesn't care who owns what!
Only if specifically declared! Declare accurate stock values - under-insurance means proportionate claim reductions!
No! Standard policy covers property damage only. Business interruption needs separate "Consequential Loss" add-on coverage!
For natural calamities (lightning, floods, earthquakes), first 5% of claim amount (minimum ₹10,000) isn't covered - you pay this portion!
Customers Says..
Mr. Ramesh Patel (Patel Textiles, Surat)
