Fire and Allied Perils
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.
- Storm, Tempest, and Flood Protection
Provides coverage for losses due to severe weather conditions like storms, tempests, and floods.
- Earthquake and Volcanic Eruption
Insurance against damages from earthquakes or volcanic eruptions.
- Impact from Aircraft and Vehicles
Covers impact damage from aircraft, third-party vehicles, or animals like horses or cattle.
- Water Overflow and Burst Pipes
Protection for damages caused by the accidental bursting or overflowing of water tanks, pipes, or apparatus.
- Business Interruption Coverage
Compensates for losses due to interruption of business activities.
- Loss of Rent
Provides financial protection for rental income lost due to insured events.
- Third-Party Legal Liability
Covers landlord liability towards tenants and tenant liability towards landlords.
- Civil Unrest Coverage
Protection from losses due to strikes, riots, and civil commotions.
- Malicious Damage
Covers intentional damage inflicted on the property.
- Theft and Burglary
Insurance against theft or burglary following forcible entry or exit from the premises.
- Accidental Damage to Plate Glass
Covers accidental damage to fixed plate glass in the building.
- Debris Removal Expenses
Provides coverage for costs incurred in debris removal after property damage.
- Fire Brigade Charges
Covers expenses from fire brigade intervention and fire extinguishing.