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Supplementary Policies to Fire Insurance

Fire insurance is recommended for both residential as well as commercial setups. However, businesses must consider opting for fire insurance as it may act as a risk management strategy. A fire insurance policy does cover multiple perils and conditions, but the below supplementary policies to fire insurance can provide additional coverage to the business.

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Supplementary Policies to Fire Insurance

Theft (robbery) and Burglary Insurance

A Standard Fire and Special Perils (SFSP) policy does not cover theft. Also, if one has opted for Bharat Laghu Udyam Suraksha (BLUS) or Bharat Sookshma Udyam Suraksha (BSUS), the theft cover is very minimal. Thus, a burglary or theft cover is an important supplemental policy to fire insurance that can safeguard the business from loss brought on by a break-in, housebreaking, or holdup.

Electronic Equipment Insurance

Fire insurance can offer limited protection for the digital or electronic assets of a business. Electronic equipment insurance is a supplemental policy to fire insurance that provides additional coverage to protect various electronic equipment and electrically operated machines. This additional coverage will be helpful for businesses whose daily operations largely rely on electronic devices like computers, servers, MRI equipment, X-ray machines, etc.

Insurance for Machinery Breakdown

The machinery used mostly by factories, plants, building sites, and other businesses is protected by this policy. The protection is provided from physical damage as well as electrical or mechanical failure. This [policy also covers equipment failure owing to electrical problems, unusual machine operating failures, the effects of crashes and fire, operator negligence, etc. are covered.

Impact Damage Caused due to Insured Vehicle

SFSP policy covers impact damage caused due to any rail or road vehicle or animal, owned by anyone other than the insured. However, an add-on can be added to this which covers for impact damage caused to the insured own vehicle or animal.

Rental Loss

This supplemental policy to fire insurance or the add-on provides reimbursement of rent that is required when a business needs to be temporarily shifted from one location to another due to damage.

Leakage and Contamination Cover

This add-on or supplemental policy to fire insurance offers coverage for accidental leakage or contamination at a set-up.

Case Scenario

Dr. Vikas, a Radiologist, owns a radiology lab. He has covered his premise with a fire insurance policy. At the time of renewal of the policy term, he received a call from the insurer explaining to him about the various other supplemental policies to fire insurance that he can avail of.

The insurer explained about the electronic equipment policy, a useful supplemental policy to fire insurance for his set-up. Dr. Vikas has extended his policy with add-on coverage for EEI. He will have to pay an extra amount for this add-on and he can get coverage for any kind of loss or damage caused to the electronic equipment due to a fire accident.

Conclusion

A Fire insurance policy is essential for every business, big or small. However, when it comes to extra coverage to the existing fire insurance plan, one must consider business needs before opting for any of the supplemental policies to the existing fire insurance policy.

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Policybazaar for Business - Fire Special Perils Insurance - Customer Reviews

View all 121 reviews

View all

4.6/5

Based on 121 reviews

4.6

out of 5

Based on 121 reviews

54 users

63 users

4 users

0 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

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

Kolkata

5 June 08, 2026

Sanjay Patil

Helpful Comparison Tool

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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

121 Review Item

Disclaimers⁺
⁺Premium varies on the basis of Occupancy, Business Activity & Coverage Type . The premium of Rs 3400/year (Rs 283.33 / month) is for a pucca building with sum insured of Rs 50 lakh at selected locations, for property age less than 25 years and policy term of 1 year, rounded off to nearest 10. Additional premium is payable for the optional covers including contents opted. STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
By clicking on "View Plans" you agree to our Privacy Policy and Terms Of Use and also provide us a formal mandate to represent you to the insurer and communicate to you the grant of a cover.
The details of insurance coverage, inclusions and exclusions are subject to change as per solutions offered by insurance providers. The content has been curated based on the general practices in the industry. Policybazaar is not responsible for the factual correctness of these details.

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"Policybazaar for Business" is a brand under Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurugram, Haryana - 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker

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