Fire Insurance
Protect Buildings, Plant, Machinery, Goods & Stocks Against Fire & Perils
Fire Insurance policy is suitable for the owner of property, one who holds property in trust or in commission; individuals / financial institutions who have financial interest in the property. All immovable and movable property located at a particular premises such as buildings, plant and machinery, furniture, fixtures, fittings and other contents, stocks and stock in process along with goods held in trust or in commission including stocks at suppliers / customer’s premises, machinery temporarily removed from the premises for repairs can be insured.
A sudden fire outbreak can disrupt years of business operation. Dattani Insurance helps business owners and property managers assess risk values accurately, ensuring non-underinsured asset valuations for rapid claim recovery.
Fire Insurance Details & Add-On Covers
Coverages
- * Fire
- * Lightning
- * Explosion / Implosion
- * Storm, tempest, flood, inundation group of perils (STFI)
- * Subsidence and Landslide including Rock slide
- * Impact damage by vehicles / animals / aircraft
- * Riots, strikes, malicious acts, terrorism
- * Missile testing operations
- * Whilst in transit by road rail inland-waterway lift elevator or air
- * Bursting of pipes / water tanks, sprinkler leakage and bush fires
- * Aircraft Damage
- * Bush Fire
- * Architects, Surveyors and Consulting Engineers' Fees upto 3% of the claim amount
- * Removal of debris to clear the site upto 1% of the claim amount
Add On Covers
In addition to the perils/ expenses covered, the proposer can opt to seek cover:
- * Earthquake (fire and shock)
- * Terrorism
- * Spontaneous combustion
- * Deterioration of stocks in cold storage
- * Subsidence and Landslide including Rock slide
- * Impact damage due to own vehicles
- * Omission to insure additions
- * Fees of architect, surveyor & consulting engineer in excess of 3% of claim amount
- * Debris removal in excess of 1% of claim amount
- * Loss of Rent
- * Insurance of additional expenses of rent for alternative accommodation
- * Forest Fire
Key Benefits & Highlights
What Is Covered Under Fire Insurance
- Building Structures, Factory Sheds & Interiors
- Plant, Machinery, Electrical Fittings & Office Fixtures
- Stocks in Process, Finished Goods & Warehouse Inventory
- Goods Held in Trust or in Commission at Customer Premises
- Machinery Temporarily Removed for Factory Repairs
Why Choose Dattani Insurance for Fire Insurance?
With over 20 years of risk management experience led by Chief Insurance Advisor Jay Dattani (United India Insurance Co. Ltd.), we prioritize honest, need-based advising over selling generic policies. We guide you through policy comparison, optimal sum insured valuation, and dedicated claim settlement assistance.
Frequently Asked Questions
Who can buy a Fire Insurance policy?
Fire insurance is suitable for property owners, trustees, tenants, financial institutions, and business operators holding financial interest in commercial or residential premises.
What property can be covered under Fire Insurance?
All immovable and movable assets including buildings, plant & machinery, furniture, fittings, stocks, raw materials, and goods in trust can be insured.
