Fire and Allied Perils

Protection against fires and other perils to secure your property investments.

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Protection against fires and other perils to secure your property investments.

Protection with Fire and Allied Insurance

Fire and Allied Insurance offers extensive coverage against standard perils, including fire, lightning, earthquake, storm, tempest, flood, and damage from bursting water tanks or apparatus. Additional protections extend to impact damage, aircraft damage, riots, strikes, malicious damage, and explosions. This policy can also include coverage for loss of earnings sustained during these incidents, providing a safety net for your business.

While a standard Fire Policy solely protects against damages caused by fire and lightning, the Fire and Allied policy expands your coverage to address multiple hazards tailored to your specific needs. This flexibility ensures that your property is well-protected against a wide range of potential risks, allowing you peace of mind in knowing you’re safeguarded.

What Does It Cover?

Explosion Coverage

Protects against damages resulting from explosions on the insured property.

Third-Party Legal Liability

Covers landlord liability towards tenants and tenant liability towards landlords.

Storm, Tempest, and Flood Protection

Provides coverage for losses due to severe weather conditions like storms, tempests, and floods.

Civil Unrest Coverage

Protection from losses due to strikes, riots, and civil commotions.

Earthquake and Volcanic Eruption

Insurance against damages from earthquakes or volcanic eruptions.

Malicious Damage

Covers intentional damage inflicted on the property.

Impact from Aircraft and Vehicles

Covers impact damage from aircraft, third-party vehicles, or animals like horses or cattle.

Theft and Burglary

Insurance against theft or burglary following forcible entry or exit from the premises.

Business Interruption Coverage

Compensates for losses due to interruption of business activities.

Debris Removal Expenses

Provides coverage for costs incurred in debris removal after property damage.

Loss of Rent

Provides financial protection for rental income lost due to insured events.

Fire Brigade Charges

Covers expenses from fire brigade intervention and fire extinguishing.

Water Overflow and Burst Pipes

Protection for damages caused by the accidental bursting or overflowing of water tanks, pipes, or apparatus.

Accidental Damage to Plate Glass

Covers accidental damage to fixed plate glass in the building.

Northern, Protecting You Always

We believe insurance is about trust, clarity, and long-term protection—not confusion or fine print.