Fire and Special Perils

  • Fire Industrial
  • Fire Consequential Loss
  • Industrial All RisksĀ 
  • All Risks
  • Fire DomesticĀ 
  • Stock Floater

A Standard Fire insurance policy covers damage to property caused by:-

  • Fire
  • Lightning
  • Explosion of boilers or gas used for domestic purposes

The policy can also be customized to include other perils such as:-

  • Bush fire
  • Earthquake, fire and shock
  • Riot and strike
  • Malicious damage
  • Explosion
  • Storm, tempest or flood
  • Aircraft and other aerial devices and / or articles dropped there from
  • Impact by road vehicles, horses or cattle not belonging to or in control of the insured.
  • Bursting or overflowing of water tanks, apparatus or pipes
  • Subterranean fire
  • Floods

Sum Insured

Property can be insured on depreciated cost (market value) or replacement cost basis. In order to get full protection, insurance on reinstatement (replacement) basis is recommended.

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