About Fire Insurance

Fire Insurance protects your property from both natural and man-made risks such as fire, floods, storms, and burglary.

The policy covers replacement, repair, and reconstruction costs, helping your business recover quickly and stay financially secure.

It is ideal for micro-enterprises like Offices and housing societies, Schools and colleges, Shops and malls, Hotels and restaurants, Warehouses, Factories etc

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Key Inclusions Of Fire Insurance

Fire, lightning, and explosion

Fire, lightning, and explosion

Natural disasters: cyclone, storm, flood, earthquake

Natural disasters: cyclone, storm, flood, earthquake

Man-made perils: riots, terrorism, strikes

Man-made perils: riots, terrorism, strikes

Impact damage from vehicles, aircraft, or falling objects

Impact damage from vehicles, aircraft, or falling objects

Subsidence, landslide, rockslide

Subsidence, landslide, rockslide

Bursting/overflowing of tanks and leakage from sprinkler systems

Bursting/overflowing of tanks and leakage from sprinkler systems

Theft within 7 days of a covered peril causing loss.

Theft within 7 days of a covered peril causing loss.

Types of Fire Insurance Policies

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Standard Fire & Special Perils (SFSP) Policy

This is the most common fire insurance policy. It covers damage caused by fire, lightning, explosions, natural disasters like storms, floods, and earthquakes, as well as accidental damage like impact from vehicles.
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Bharat Sookshma Udyam Suraksha Policy

It is designed to protect small and medium enterprises (SMEs) against physical loss or damage to their business assets where the total value at risk at one location doesn’t exceed ₹5 crore.
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Bharat Laghu Udyam Suraksha (BLUS) Policy

It is designed to protect small and medium enterprises (SMEs) against physical loss or damage to their business assets where the total value at risk at one location is more than ₹5 crore and up to ₹50 crore.
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