Our Fire & Allied Perils policy provides cover for accidental and unintentional loss or damage to properties and their contents, arising from the dangers of fire as well as from allied perils such as storm, earthquake etc.
To break this down further, this policy offers to indemnify you for loss or damage to properties insured arising from and directly attributable to fire, lightning, impact, explosion, riot and strike, bursting or overflowing of water tanks, apparatus or pipes, flood, earthquake, hurricane, tornado, windstorm, cyclone, aircraft or any aerial devices or articles dropped therefrom.
The policy would also indemnify you against loss of or damage to your property by theft following entry or exit from the business premises by forcible and violent means.
The fire policy covers items such as:
● Buildings
● Stock in trade
● Furniture, fixtures and fittings
● Plant and Machinery
The basic fire covers:
● Fire
● Lightning
● Explosion of gas used for illuminating or domestic purposes
Where the insured wants to cover the property against more perils, he may choose from a wide range of perils, such as:
● Explosions
● Riots and Strikes
● Malicious Damage,
● Earthquakes
● Flood
● Storm and Tempest
● Escape of Water
● Burst Pipe
● Aircraft or other aerial devices Impact
● Bush Fire