Avoid Business Disruption From Fire Damages
Let's get you a Customized Fire Policy. Protect your passion and secure your future from devastating financial losses with our comprehensive coverage, in collaboration with ICICI Lombard.
Welcome
Fire Insurance Dashboard
Trusted By Industry Leaders Across India
Why Buy a Fire Insurance Policy?
Fire can strike unexpectedly, wreaking havoc on your business and assets. Don't leave your livelihood to chance. A reliable policy is your partner to protect what matters most.
Expert Guidance
Our team provides expert guidance to help you choose the perfect coverage for your specific business needs.
Instant Quotes & Coverage
Get instant quotes and secure your coverage quickly and easily, so you're protected without delay.
Affordable Premiums
We offer competitive and affordable premiums, ensuring top-tier protection that fits your budget.
What Types of Businesses Need Fire Insurance Coverage?
Fire insurance is crucial for businesses of all sizes to protect property, assets, and ensure continuity.
Small and Medium Enterprises (SMEs)
Offers tailored coverage for small and medium-sized businesses, protecting assets, inventory, and property.
Hotels
Safeguard property, guest accommodations, and amenities from fire damage, ensuring guest safety and reputation.
Factories & Manufacturing Units
Crucial for protecting valuable machinery, raw materials, and finished goods from fire-related losses.
Shops & Retail Stores
Protects your inventory, equipment, and premises from fire damage and natural disasters, ensuring business continuity.
Office Buildings
Provides essential coverage for office equipment, documents, and the building structure, ensuring minimal disruption.
Step-by-step process to get Fire Insurance
A simple, clear process to get your business protected in as little as 24 hours.
Step 1: Apply & Select Coverage
Click the "Get a Quote" button and proceed to select the coverage amount you wish to avail for your Fire Insurance Policy.
Step 2: Request Custom Quotation
If your business assets don't align with the selected amount, please contact us via phone or chat for custom quotations.
Step 3: Confirm Payment
Upon confirmation of your payment, you will be redirected to the document upload page.
Step 4: Upload Documents
Complete the form and upload the necessary insurance documents as requested.
Step 5: Expert Assigned
An automated task order ticket will be generated and assigned to our Registered Insurance Agents.
Step 6: Expert Follow-up
One of our Insurance Agents will get in touch with you for any additional questions or document requirements.
Step 7: Policy Issued (24 Hrs)
Once documents are verified, your Fire Insurance Policy will be issued and shared via WhatsApp or email.
Inclusions
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Fire
Damage caused directly by fire, including lightning and explosion. -
Terrorism
Covers losses and damages from acts of terrorism and violence. -
Natural Disasters
Protection against flood, earthquake, cyclones, and storms. -
Water tank/pipe burst
Covers damage from bursting or overflowing of water tanks and pipes.
Exclusions
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Willful Misconduct
Losses caused intentionally by the insured are not covered. -
Missing Property
If items simply disappear without evidence of fire, it's not covered. -
Temperature Change in Cold Storage
Spoilage due to temperature fluctuations isn't covered unless caused by fire. -
Prior & Pending Claims
Existing or ongoing claims related to fire damage before policy start date. -
War, Invasion, or Civil Unrest
Damage from war, invasion, or civil unrest is typically excluded. -
Unoccupied property
Unoccupied premise for more than 30 days doesn't qualify for insurance.
Frequently Asked Questions
What is the premium cost for a Fire Insurance Policy?
+The premium cost varies based on factors like the value of your assets, your business type, geographical location, and selected coverage options. A tailored quotation can be provided by an insurance agent.
Can I secure coverage for a small factory under this policy?
+Yes, the policy can be tailored to cover various types of businesses, including factories, shops, offices, and hotels. Specific terms for machinery and stock should be discussed with our agent.
How do I initiate the claims process?
+To initiate a claim, you should contact us or the insurer immediately after the event. You will need to fill out a claim form and provide all relevant documents, such as photos of the damage, FIR (if applicable), and original bills.
Can I customize the coverage to align with my specific requirements?
+Absolutely. The policy is flexible and allows for customization with various optional add-ons to meet your specific business needs, like protection for specific equipment or business interruption.
What are the perils typically covered by the Fire Insurance Policy?
+The policy typically covers Fire, Lightning, Explosion, Terrorism, Natural Disasters (Floods, Storms), and Water Tank/Pipe Bursts. For a complete list, see the "Inclusions" section.
Real Client Stories
See what business owners are saying about our insurance services.
“I was particularly impressed by the team's attention to detail and accuracy. They meticulously reviewed all the documents, cross-checking for any potential errors or omissions. This level of thoroughness gave me confidence that my application was in safe hands.”
Mamta Devi
Patna, Bihar“After a small fire at my electronics shop, I was worried. But the claims process was straightforward. The India Advocacy agent helped me with all the paperwork, and the claim was settled promptly. True peace of mind.”
Rajesh Kumar
Electronics Store Owner, Delhi“Getting the policy was incredibly fast. I applied online, uploaded my documents, and my policy was issued in less than 24 hours just as they promised. The coverage for my manufacturing unit's machinery was exactly what I needed. Excellent service!”