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--Fire & Special Perils Cover

This Policy covers individual houses, offices, shops, commercial buildings, and manufacturing units, against Fire, Lightning, Explosion, Aircraft damage, Earthquake or Volcanic Eruption, Storm & Tempest, Flood, Escape of water from any tank, apparatus or pipes, Impact by road vehicle or animal,  and burglary.

This Policy can be extended to cover loss of rent, debris removal and any other fixed charges for running the business, and also against riot, strike and malicious damage.

b.        Property All Risks :

This is a wider cover than the Fire and Special Perils Policy.  This Policy is more suitable for large commercial and industrial risks.

c.        Home Insurance :

This Policy is meant for residential premises.  It covers loss of property due to Fire, Lightning, Explosion, Aircraft damage, Earthquake or Volcanic Eruption, Storm & Tempest, Flood, Escape of water from any tank, apparatus or pipes, Impact by road vehicle or animal,  and burglary, loss of rent and Third Party Liability.  Under this Policy, extension can be given for Personal Accident Cover to the Insured and Spouse, Tenant’s Liability and Contents temporarily removed from the buildings.

In respect of tenants, the Policy can be taken only for contents

Last updated: Thursday, 13 November 2014