Name: Fire Insurance for Office
Brand: Policybazaar
Rating: 4.3 (83 reviews)

Fire Insurance for Office

Fire insurance for office provides coverage against loss or damage caused to the office building as well as the content inside the office building due to fire accidents. Apart from this, the policy also provides cover for the damages caused by natural calamities, bursting of water tanks, etc.

Fire Insurance for Office: Inclusions

Fire insurance provides cover for below mentioned perils:

Fire: Damage caused by fire accidents is covered.

Explosion: Damage caused by an explosion is covered.

Aircraft: Damage or loss caused by an aircraft crash is covered.

Lightning: In case of lightning and if it cracks the building is also covered.

Natural calamity: Damage caused by typhoons, cyclones, etc is covered.

Landslide: if your office is in a hilly area and the landslide causes any damage to the office then it will be covered.

Water tank overflow: If the water tank kept on the roof of your office building bursts out then the damage caused by it will be covered.

Fire Insurance for Office: Exclusion

Fire insurance for office does not provide coverage for the following:

Willful negligence leading to any kind of damage will not be covered

Damage caused by terrorist activity is not covered.

Damage caused due to war will not be covered.

Damage caused by terrorist activity will not be covered.

Loss in the share market or loss of earnings will not be covered.

Fire Insurance for Office: Claim Process

Follow the below-mentioned steps to raise your claim under fire insurance for office:

Inform the insurer when a fire accident takes place in your office

Ask for the claim form and fill it up

Provide detailed information on the damage

Tell them an estimated amount of the damage

The insurance company will send investigators to survey the premises

Help them during the survey and tell them everything in detail

Once they are done with the survey they will begin the settlement process.

Fire Insurance for Office: Documents Required

To raise a claim after the fire accident, you will be required to provide the following document along with the claim form:

Copy of the policy

The policy should consist schedule and clauses.

Newspaper cutting if the accident has been published in any.

If you raised any previous claim then a record of it.

Passport size photo

Report of a fire brigade

Investigation report

FAQs

Ques 1: How can I purchase fire insurance for my office at a lower premium?

Ans: While purchasing the fire insurance the insurers visit your office and check if you take any kind of safety precautions such as fire extinguishers, water sprinklers, etc. If you do not have these kinds of safety precautions then the premium rates will be high because the lack of such safety precautions can lead to much more loss or damage. Hence it is recommended to the buyer keep these safety precautions before purchasing fire insurance.
Ques 2: if an employee’s negligence leads to a fire accident in the office, will the insurance policy cover the loss or damage?

Ans: Fire insurance for office will not provide coverage for any kind of loss or damage caused due to an employee’s negligence that led to a fire accident.
Ques 3: If the surveyor sent by the insurer to inspect the damages and the reason behind it do not get satisfied and find the reason misleading, will they provide coverage for the damages caused?

Ans: If the surveyor does not get satisfied while inspecting the premises and finds the reason behind the fire accident misleading then the insurer would stop the claim settlement until and unless they get satisfied with the cause of the accident.
Ques 4: Is it necessary to provide a newspaper cutting as proof to get the claim settled?

Ans: The insured doesn't need to provide a newspaper cutting as proof to the claim settled. However, if the fire accident made its way to the newspaper then it would be helpful and easier for you to get the claim settled.

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Policybazaar for Business - Fire Office Insurance - Customer Reviews

View all 83 reviews

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4.3

out of 5

Based on 83 reviews

13 users

66 users

4 users

0 users

4.8 October 09, 2022

Aaftab

Amazing Customer Support

I am using a fire insurance policy from policybazaar and experienced amazing feedback from them in claim settlement. I have a sports merchandise shop that caught fire last yearI raised a claim which was resolved within a few days without any hassles.

Thiruvananthapuram

4.8 October 08, 2022

Balachandar

Helpful Support

The support team of Policybazaar is really helpful and prompt. They solve all your queries fast. Would definitely recommend Policybazaar for purchasing insurance .

Mangaluru

4.8 October 07, 2022

Raahim

Extensive Cover

Got a fire insurance policy for my shop and it was really extensive with so many features. Purchased it from Policybazaar without paying any commission fees. Great coverage.

Bengaluru

4.5 October 06, 2022

Aadi

User Friendly Website

We deal in the cotton industry and suffered a huge loss last year because of the fire. We were looking for insurance to safeguard us financially from any such incident in the future. We landed on the policybazaar website and bought fire insurance. Their website is well managed and gives all the necessary information.

4.8 October 05, 2022

Rohit

Plans Are In Budget

Had to purchase a fire insurance which should be in my budget as I run a very small store. Got a lot of affordable plans on Policybazaar and purchased the one that suited my budget. All plans are in budget and with so many features.

Bhopal

4.3 October 04, 2022

Baban

Covered My Shop

I have a shop of garments and it caught fire last year in which I lost items worth thousands. Purchased a fire insurance from Policybazaar and now I feel really relieved that it would financially cover my shop in such circumstances.

Chandigarh

4.3 October 03, 2022

Aarnav

Faster Claim Settlement

A part of my warehouse having thousands of material caught fire. Luckily I had a fire insurance policy that I could claim and received compensation from them. It was such a relief. The claim settlement team at Policybazaar is helpful and really quick.

Assam

4.5 October 02, 2022

Jagadish

Affordable

I have a warehouse of clothes and was planning to buy a fire insurance policy to cover my material from unwanted fire. Got a really affordable plan from Policybazaar with some really great features.

Ahemdabad

4.5 October 01, 2022

Rahul

Budget Friendly

Wanted to cover my crockery shop from fire and was searching for an affordable plan. Found a great plan at Policybazaar which suited my budget.

Surat

4.5 September 30, 2022

Baabul

Instant Purchase

Wanted a fire insurance policy for my crockery business and could purchase it instantly from Policybazaar. The process was quick instant and very easy.

Gurgaon

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Fire Insurance for Office