Protect Your Business Premises

🔥 Fire Insurance

Comprehensive protection against fire and allied perils for your business premises, stock, plant, machinery, and assets.

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🤝Dedicated Claims Manager

🧾GST Input Credit eligible

What Is It?

Understanding Fire Insurance

Fire Insurance protects your business property — including the building, contents, stock, plant, and machinery — against loss or damage caused by fire and a wide range of allied perils. It is one of the oldest and most fundamental forms of business insurance in India, often required by lenders and landlords.

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Key Numbers

Quick facts that matter for your business decision.

3 min

Policy Issuance

30+

Insurer Options

₹500Cr

Claims Settled

10K+

Happy Clients

Coverage Details

What's Covered

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Fire & Lightning

Covers damage caused by fire, lightning strikes, and resulting explosions to your insured property.

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Explosion & Implosion

Protection for damage from explosions and implosions not excluded under the standard policy.

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Storm, Tempest & Flood

Covers property damage caused by natural events including storms, floods, landslides, and cyclones (STFI perils).

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Aircraft Damage

Coverage for damage caused by aircraft, aerospatial devices, or articles dropped from them.

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Vehicle Impact

Covers accidental damage caused by impact from road vehicles or animals to your insured property.

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Riot & Strike

Protection for damage arising from riot, strike, or malicious damage to your business property.

Who Needs It?

Is This Right for Your Business?

This policy is essential for businesses across these sectors.

🏭 Factories

🏪 Shops & Retail

🏢 Offices

🏗️ Warehouses

🏠 Commercial Properties

🏬 Shopping Centres

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Flexible EMI options on annual premiums above ₹10,000

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GST Input Credit available on all business insurance premiums

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Dedicated Claims Manager assigned from day one

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Digital Policy

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FAQ

Common Questions about Fire Insurance

What is the standard fire policy in India? ▾

The Standard Fire and Special Perils Policy (SFSP) is the most common fire insurance in India, regulated by IRDAI. It covers 12 standard perils including fire, lightning, explosion, storm, flood, riot, strike, and more. Additional perils can be added via endorsements.

What is 'reinstatement value' vs 'market value' for fire insurance? ▾

Reinstatement value means the property is insured for its full replacement cost at today's prices. Market value considers depreciation. We recommend reinstatement value to avoid being underinsured and out-of-pocket after a claim.

Can I insure only part of my stock? ▾

This is called under-insurance, which can reduce your claim settlement proportionately under the Average Clause. It's essential to insure 100% of your property and stock values to receive full claim settlement.