Fire Insurance


ire insurance is a legal contract between an insurance company and the policyholder which guarantees that any loss or damages caused to the policyholder's property in a fire will be paid by the insurance company.


  • Fire
  • Lightning
  • Explosion/implosion
  • Aircraft damage
  • Riot,strike,malicious damage(RSMD perils)
  • Strom , tempest , flood , inundation , hurricane , cyclone , typhoon & Tornado(STFI)
  • Impact by any rail/road vehicle or animal belonging to third parties
  • Subsidence/landslide including rockside
  • Bursting and/or overflowing of water tanks,apparatus
  • Leakage from automatic spinkler installation
  • Missile testing operation
  • Pollution or contamination resulting from any of the above perils
  • Any insured peril resulting from pollution & contamination
  • Bush fire
  • Terrorism
  • Earthquake


  • Loss to the stock due to change in temperature
  • Loss or damage due to wear and tear, gradual deterioration or slowly developing flaws
  • Loss and/or damage to jewellery, precious stones, money, bullion or documents of any kind unless specifically declared.
  • War and War-like perils
  • Nuclear and radioactive perils/losses
  • Pollution and contamination losses
  • Volcanic eruption or other convulsions of nature
  • Loss or damage to the electrical machinery due to short circuiting by excess heating.However, due to damages to other property are covered.
  • Spoliage from cessation of work/operation

Things to keep in mind

  • Reinstatement value will be provided for the claim
  • Under insurance may cause in dedication in claim
  • Cause is not covered(wil be covered in break down)
  • Insurabe interest has to be proofed
  • Risk location should be as per address
  • Backup your data for your convenience
  • Reimbursement will be settled on manufacturing cost
  • Fire extinguisher and CCTV camera is compulsory
  • Third party stock should be mentioned and has to be covered under CLAUSE HELD IN TRUST

Documents required in claim

  • Newspaper Proof
  • Inventory (to determine value)
  • Intimation
  • 3 years income tax report and audit report
  • 6 months sales and purchase report
  • Back up all this file
  • Bank statement if loan taken
  • Rent deed if your premises rented
  • FSL report
  • FIR Copy,police report or punchnama
  • Fire extinguisher AMC
  • CCTV camera footage
  • Photos or video
  • Blueprint of premises, camera fitting and electric wiring
  • Final investigation report copy
  • Report by the fire brigade

Burglary Insurance

A burglary insurance policy offers an additional layer of security to your property.

  • Theft by forceful entry
  • Armed robbery or Hold-up