Fire Insurance

Take Control of your business's destiny with Fire Insurance services from :Integrity

Are you protected from financial loss if your house, factory, stocks and other contents are damaged by Fire or by water, be it flood or extinguishment water? Do not let the unexpected ruin your dreams.

With product like Fire special Perils Insurance Policy, you can safeguard your assets that you value most. Every business has a specific set of requirements. Our range of business products is especially designed to meet your business needs across the commercial spectrum. It is pivotal to get adequate insurance cover for your business to mitigate risk.

Why Fire Insurance :-

Insurance that is used to cover damage to a property caused by fire. Fire insurance is a specialized form of insurance beyond property insurance, and is designed to cover the cost of replacement'

Reconstruction or repair beyond what is covered by the property insurance policy. Policies cover damage to the building itself, and may also cover damage to nearby structures, personal property and expenses associated with not being able to live in or use the property if it is damaged.

Homeowners and property owners may consider fire insurance in addition to a property insurance policy if the property contains valuable items. A best practice would be to document the property and its related contents, which makes identifying the value of items damaged or lost much easier after a fire has taken place. A fire insurance policy may contain exclusions based on the cause of the fire, such as not covering fires caused by wars.

The insurable interest in goods may arise out on account of:-

  • Ownership
  • Possession
  • Contract

Under fire insurance, the following persons have insurable interest in the subject matter:- Owner

  • Mortgagee
  • Pawnee
  • Pawn broker
  • Official receiver or assignee in insolvency proceedings
  • Warehouse keeper in the goods of customer
  • A person in lawful possession e.g. common carrier, wharfinger, commission agent

Coverage Inclusions:

  • Fire
  • Lightning
  • Explosion/Implosion
  • Aircraft Damage
  • Riot, Strike, Malicious Damage
  • Storm, Typhoon, Hurricane, Tornado, Flood and Inundation
  • Impact damage
  • Subsidence and landslide including Rock slide
  • Bursting and overflowing of water tanks, apparatus and Pipes
  • Missile testing operations
  • Leakage from Automatic Sprinkler Installation
  • Bush Fire