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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

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Fire Insurance General Information

(All * marked fields are mandatory)

Insured Name*

Phone no.*

Email Address*

Risk Locations with Pincode*
(Multiple Locations can be covered)

Primary Occupancy*

Sum Insured

Building Value ₹

Furniture, Fixtures & Contents
₹

Jewellery & Valuables
₹

Sum Insured

Building Value
₹

Furniture, Fixtures & Contents
₹

Electrical & Electronic Appliances
₹

Sum Insured

Building Value
₹

Furniture, Fixtures & Contents
₹

Stocks, Plant and Machinery
₹

Sum Insured

Building Value
₹

Furniture, Fixtures & Contents
₹

Stocks,Plant & Machinery
₹

Sum Insured

Building Value
₹

Furniture, Fixtures & Contents
₹

Electrical & Electronic Appliances
₹

Secondary Occupancy

Upload Existing Fire Policy-If Any (PDF/Image)
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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

Terrorist Activity

Riots

Strikes

natural calamity

Natural Calamity

Landslide

water tank damage

Water Tank Damage

Bush Fire

Aircraft Damage

Fire

Lightening

Explosion

Terrorist Activity

Riots

Strikes

Bush Fire

Natural Calamity

Landslide

Water Tank Overflow

Aircraft damage

Connect Our Experts

Connect Our Experts

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

We Work With The Top Insurers In The Industry

Insurance Partners

We’re Partners With 20+ Major Insurance Companies

Go Digit Life Insurance Limited

Magma HDI General Insurance Company Limited

Royal Sundaram General Insurance Company Limited

ICICI Prudential Life Insurance Company Limited

TATA AIA Life Insurance Company Limited

HDFC ERGO General Insurance Company Limited

Liberty General Insurance Limited

Bajaj Allianz General Insurance

Iffco Tokio General Insurance

Chola MS General Insurance

Reliance General Insurance Company Limited

ICICI LOMBARD General Insurance Company Limited

Go Digit General Insurance Limited

Shriram General Insurance Company Limited

Niva Bupa Health Insurance Co Ltd

Star Health & Allied Insurance Co.Ltd.

Future Generali India Insurance Company Limited

Aviva Life Insurance Company India Limited

The Oriental Insurance Company Limited

United India Insurance Company Limited

Pramerica Life Insurance Company Limited

Aditya Birla SunLife Insurance Company Limited

Kotak Mahindra Life Insurance Company Limited

HDFC Life Insurance Company Limited

The New India Assurance Company Limited

Tata AIG General Insurance Company Limited

Raheja QBE General Insurance Co. Ltd.

National Insurance Company Limited

HDFC ERGO Car Insurance

United India Car Insurance

ICICI Lombard Car Insurance

New India Assurance

New India Car Insurance

Royal Sundaram Car Insurance

Royal Sundaram Car Insurance

Royal Sundaram Car Insurance

Royal Sundaram Car Insurance

Royal Sundaram Car Insurance

Royal Sundaram Car Insurance

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)