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This insurance provides coverage in the case of a fire or burglary that damages or destroys the insured property while also causing damage to neighbouring property. It covers the costs of repairing or replacing the neighbouring property.
Fire-related property losses to office buildings, machinery, furniture, and other items inside the premises, can result in severe financial damage. Fire and Burglary Insurance covers damage caused by fire, including the cost of repairing or replacing the damaged property.
Setting up a fire in the bush-grown area may damage the property. This incident is covered under the fire policy. Please note the forest fire incident is not covered directly. Additional payment is required to have coverage for forest fire incidents.
This policy provides coverage for any harm or destruction that may occur to the insured property as a result of natural disasters like landslides, typhoons, thunder, lightning and other similar calamities.
This policy provides coverage for any damage to property resulting from aircraft-related incidents such as dropped articles, airborne devices, or any other causes.
The loss of items like money, jewellery, gadgets, and other stolen personal property may be covered by the policyholder's fire & burglary insurance in the event of an armed robbery. It may also cover any property damage incurred as a result of the heist, including broken or damaged windows, doors, or other sections of the building.
In the event of a covered risk, such as burglary or theft with evidence of violent and forced entrance, a fire and burglary insurance policy may cover both property damage and the value of stolen objects. If the break-in renders the property unusable, the insurance may pay for interim housing.
The Fire Loss of Profit policy (FLOP), also known as a Business Interruption (BI) policy, provides coverage for businesses that experience disruptions in their operations. This coverage includes compensation for the loss of income and the expenses incurred due to a fire or other perils that cause interruptions to the business. By paying a specified amount, the policy extends coverage for an extended period of time.
Fire and Burglary Insurance offers coverage for expenses resulting from property damage due to fire or theft including temporary renting costs. The policy may also cover the expense of storing personal belongings elsewhere temporarily.
Any damage caused with intent or willful action is not covered under the policy. This includes situations where someone intentionally causes harm to the insured property.
If damage occurs to stocks stored in cold storage facilities as a result of temperature changes, such as spoilage or deterioration, it may not be covered directly by the insurance policy. However, upon some additional payment you can avail the coverage.
Damages arising from acts of war, invasion, or war-like situations are typically excluded from insurance coverage. This includes any losses caused directly or indirectly by such events.
Damages caused by pollution or contamination, such as environmental pollution or toxic substances, may not be directly covered by the insurance policy. However, upon some additional payment you can avail the coverage.
If the insured property goes missing or is misplaced, it may not be covered under the policy. This applies to situations where the property cannot be located or accounted for.
Any fees or expenses incurred while preparing or processing the insurance claim, such as documentation or legal costs, are generally not covered by the policy.
Indirect or consequential losses, which occur as a result of the insured event but are not directly caused by it, may not be covered by the insurance policy. This can include financial losses or damages that arise as a consequence of the initial incident.
Damages resulting from electrical machinery malfunctions or leakage of electricity may not be covered under the insurance policy. This includes situations where the insured property or equipment suffers electrical-related damages or losses.
