Fire Insurance for Office

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