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Fire Insurance
Protect your property and assets from fire.
Trusted by:
Policy Covers:
- Fire and natural calamity-related property damage repair costs.
- Losses due to theft and burglary.
- Fire-related damages to goods, machinery and equipment.
Trusted by:
Pay ₹2,100* per yearand get ₹50 Lacs coverage
By clicking on "Continue", you agree to our Privacy Policy as well as our Terms of Use and Disclaimer
Fire Insurance
Protect your property and assets from fire.
Pay ₹2,100* per yearand get ₹50 Lacs coverage
By clicking on "Continue", you agree to our Privacy Policy as well as our Terms of Use and Disclaimer
Trusted by:
Policy Covers:
- Fire and natural calamity-related property damage repair costs.
- Losses due to theft and burglary.
- Fire-related damages to goods, machinery and equipment.
Trusted by:
What is Fire Insurance?
Fire Insurance covers losses from fire and theft for businesses. It covers accidental fires & associated damages, caused by riots, earthquake, flood or natural calamities and provides compensation to the insured parties to recover from fire incidents.
Who needs Fire Insurance cover?
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹200 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹300 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹200 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹300 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹200 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹300 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹200 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹300 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹200 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹300 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹200 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹300 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Why do you need Fire Insurance?
Why do you need Fire Insurance?
Protects Property and Assets
Safeguards buildings, equipment, and inventory from the costs arising due to fire, theft and natural calamities ensuring business continuity.
Financial Security
Provides compensation for damages, reducing the financial impact of fire and burglary incidents.
Legal Compliance
Helps meet regulatory requirements for businesses to have adequate insurance coverage against fire and theft.
Business Recovery Support
Facilitates quick recovery and minimal operational disruption after fire or burglary incidents.
Reputation Management
Maintains trust with stakeholders by ensuring prompt recovery and minimal disruption after incidents.
Why choose BimaKavach to protect your business?
The Power of Underwriting
Your Policy is built for your unique needs.
Best Price for Complete Coverages
You get the best price for your coverage.
24*7
Claims Support
All concerns will be addressed without delay.
Online Platform to Manage Your Bima
Your policy can be managed from anywhere.
Dedicated
Bima Expert
You get access to IRDAI-Certified Bima Experts.
Who’s this for?
What does Fire Insurance cover and exclude?
Coverages
Fire Damage
Fire Insurance protects insured property, including buildings and contents, against damage caused by fire and related perils such as lightning and explosion.
Burglary and Theft
Fire Insurance provides compensation for losses resulting from theft or burglary, including damage caused to property during the incident.
Business Interruption
Fire Insurance covers loss of income and additional expenses incurred due to temporary shutdowns caused by fire or burglary at the insured premises.
Damage to Contents
Includes coverage for damage or loss of business inventory, furniture, fixtures, and equipment due to fire or burglary.
Replacement Cost
Pays for the cost of replacing damaged or stolen property with new items of similar kind and quality, without deducting for depreciation.
Temporary Accommodation
Covers the cost of temporary accommodation or renting alternative premises while the insured property is being repaired or rebuilt after a covered loss.
Fire Department Charges
Reimburses expenses incurred from fire department services used to mitigate or extinguish a fire at the insured property.
Legal Expenses
Fire Insurance covers legal costs and expenses incurred in defending against claims related to fire or burglary incidents at the insured premises.
Debris Removal
Pays for the cost of removing debris resulting from a fire or burglary incident to facilitate the restoration of the insured property.
Explosion Coverage
Fire Insurance provides coverage for damage caused by explosions, including those resulting from gas leaks or other unforeseen events.
Exclusions
Intentional Acts
Excludes coverage for losses caused intentionally by the insured or any person acting with their consent.
War and Terrorism
Losses resulting from war, acts of terrorism, or civil unrest are typically not covered under standard Fire Insurance policies.
Wear and Tear
Damage due to gradual wear and tear, deterioration, or lack of maintenance of the insured property is not covered Fire Insurance.
Loss of Documents or Money
Excludes coverage for loss of valuable papers, documents, cash, or currency resulting from fire or burglary.
Employee Dishonesty
Losses due to dishonest acts or theft committed by employees are generally excluded from coverage.
Nuclear Hazard
Damage caused by nuclear reactions, radiation, or radioactive contamination is not covered under Fire Insurance.
Consequential Loss
Excludes indirect or consequential losses such as loss of market, loss of goodwill, or loss of profit due to fire or burglary.
Unoccupied Property
Losses occurring when the insured property is unoccupied beyond a specified period without adequate safeguards in place.
Property Not Insured
Excludes coverage for property not specifically listed or covered under the Fire Insurance policy.
Illegal Activities
Losses resulting from illegal activities or violations of law by the insured or any covered individuals are not covered.
Fire Damage
Fire Insurance protects insured property, including buildings and contents, against damage caused by fire and related perils such as lightning and explosion.
Burglary and Theft
Fire Insurance provides compensation for losses resulting from theft or burglary, including damage caused to property during the incident.
Business Interruption
Fire Insurance covers loss of income and additional expenses incurred due to temporary shutdowns caused by fire or burglary at the insured premises.
Damage to Contents
Includes coverage for damage or loss of business inventory, furniture, fixtures, and equipment due to fire or burglary.
Replacement Cost
Pays for the cost of replacing damaged or stolen property with new items of similar kind and quality, without deducting for depreciation.
Temporary Accommodation
Covers the cost of temporary accommodation or renting alternative premises while the insured property is being repaired or rebuilt after a covered loss.
Fire Department Charges
Reimburses expenses incurred from fire department services used to mitigate or extinguish a fire at the insured property.
Legal Expenses
Fire Insurance covers legal costs and expenses incurred in defending against claims related to fire or burglary incidents at the insured premises.
Debris Removal
Pays for the cost of removing debris resulting from a fire or burglary incident to facilitate the restoration of the insured property.
Explosion Coverage
Fire Insurance provides coverage for damage caused by explosions, including those resulting from gas leaks or other unforeseen events.
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When can I Claim?
A claim under Fire Insurance can be registered in the below circumstances:
- Property suffers damage or destruction due to a fire outbreak
- Business experiences theft or burglary
- Business operations are disrupted due to fire or burglary
- Claim meets the specific terms and conditions outlined in your policy
Claim what’s yours with BimaKavach
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