Standard policies usually exclude earthquakes by default, but you can easily add "Earthquake (Fire and Shock)" coverage as an additional rider for full protection.
Whether you run a bustling retail shop, a quiet professional office, or a high-output manufacturing factory, fire is a threat that can vanish years of hard work in minutes. Fire & Special Perils Insurance provides a critical shield for your physical business assets, covering not just fire, but a wide range of “special perils” like floods, riots, and explosions that could otherwise lead to devastating financial ruin.
Secure your workplace and inventory against the unpredictable forces of nature and man-made disasters.
This policy is the foundation of any commercial insurance portfolio. It protects the building structure, plant and machinery, furniture, fixtures, and even your valuable stock. We understand that a factory faces different risks than a small shop, which is why our plans are flexible. We help you rebuild and replace what was lost, ensuring that a single catastrophic event doesn’t mark the end of your business journey.
Standard policies usually exclude earthquakes by default, but you can easily add "Earthquake (Fire and Shock)" coverage as an additional rider for full protection.
A Fire policy specifically covers damage from fire and allied perils. To protect against theft and housebreaking, we recommend a "Burglary Insurance" add-on or a combined "Shopkeeper’s Package" policy.
If you insure your property for less than its actual value (under-insurance), the claim amount will be reduced proportionately. It is vital to declare the correct current replacement value of your assets.