Name: Fire Insurance for Office
Brand: Policybazaar
Rating: 4.6 (121 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 121 reviews

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4.6

out of 5

Based on 121 reviews

54 users

63 users

4 users

0 users

5 August 03, 2026

Kavita Mishra

Trustworthy Service

Felt confident throughout the purchase process.

Nashik

5 August 02, 2026

Rohit Agarwal

Professional Support

The advisor answered all my questions patiently and helped me understand the policy terms.

Pune

5 July 03, 2026

Sneha Kapoor

Easy To Understand

Policy features were explained in simple language.

Vijayawada

5 July 02, 2026

Ankit Gupta

Value For Money

Happy with the premium and coverage offered. It gives me confidence that my property is protected.

Chennai

5 June 08, 2026

Pradeep Reddy

Detailed Explanation

The advisor clearly explained the risks covered under the policy.

Coimbatore

5 June 08, 2026

Priya Sharma

Great Service

Received excellent support throughout the purchase journey.

Kanpur

5 June 08, 2026

Sunil Chauhan

Good Experience

Overall, a smooth and professional experience from start to finish.

Kolkata

5 June 08, 2026

Sanjay Patil

Helpful Comparison Tool

The comparison feature made choosing a policy much easier.

Patna

5 June 08, 2026

Vaishali Desai

Satisfied Customer

Happy with the policy and service. The process was simple and easy to follow.

Siliguri

5 June 08, 2026

Ajay Deshmukh

Friendly Support Team

The representatives were polite, knowledgeable, and helpful.

Ranchi

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Fire Insurance for Office