Digit General Fire Insurance

Go Digit General Insurance Ltd. is a tech-based general insurance company from Bengaluru, India. The company focuses on selling different types of insurance plans, including fire insurance for commercial property. Bharat Sookshma Udyam Suraksha and Bharat Laghu Udyam Suraksha are two types of fire insurance plans offered by this company.

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*Premium varies on the basis of Occupancy, Business Activity & Coverage Type

Features of Digit General Fire Insurance Policy

  • The Bharat Sookshma Udyam Suraksha policy protects the insured property that is not exceeding the limit of ₹ 5 crores.
  • The Bharat Laghu Udyam Suraksha policy protects the insured property worth more than ₹ 5 crores but not exceeding the limit of ₹ 50 crores.
  • Small & medium business owners, large enterprises, shop owners, and all commercial building owners can purchase this policy.
  • The policy covers the building structure and its contents, such as cash in a safe or shop counter, etc.

Digit General Fire Insurance: Inclusions

The Digit General Fire insurance policy offers coverage for the following perils-

  • Loss or damage caused to the insured property by lightning, volcanic eruption, earthquake, or other forces of nature
  • Fire loss or damage caused to the insured property by hurricanes, tornados, tsunamis, storms, cyclones, tempests, typhoons, floods, and inundations
  • Fire damage caused to the insured property due to landslide or rockslide
  • Damage to the insured property due to bushfire, jungle fire, and forest fire
  • Fire outbreak due to an impact of, or collision due to any external object such as a falling tree, wall, aircraft, etc.
  • Damages to the insured property due to missile testing operations
  • Fire damages due to acts of terrorism (coverage decided as per the terrorism clause mentioned in the policy documents)
  • Fire damages due to strikes, riots, vandalism, and other malicious activities
  • Fire damages to the insured property due to bursting water tankers, pipes, and apparatus
  • Leakage from automatic sprinklers during their installations caused a fire outbreak.

Digit General Fire Insurance: Exclusions

The Digit General Fire insurance policy does not offer any coverage for the following circumstances-

  • Loss caused due to undergoing heat or drying process in the insured property
  • Any loss caused to the insured property by a court's order or any public authority announcement
  • Fire explosion due to economizers, boilers, machinery, apparatus, or any other vessels which generate steam
  • Fire explosion in the insured property by centrifugal forces
  • Fire damages caused by cracking, bedding down, or movement of the made-up ground in the insured building structure
  • Any loss or damage due to faulty design or defective materials
  • Fire loss or damage in the insured building due to pressure waves created by aircraft, space device, or any other aerial device travelling at sonic or supersonic speed
  • Any exclusions as per the terrorism clause mentioned in the policy documents
  • No coverage for damaged articles located or attached from outside the insured premises.

Digit General Fire Insurance: Claim Process

Here are the steps to raise a claim under Digit General Fire insurance-

  • As soon as any loss or physical damage occurs, inform the insurer about it and the financial loss
  • Inform the fire station department as soon as possible to prevent further loss
  • Report to local police and report an FIR
  • In case of a landslide or rockslide, inform the district administration
  • The insurer will send a surveyor or invigilator to estimate the loss of extent in the fire incident
  • Submit an estimate for repair or replacement bill for the loss in the fire incident
  • Do not sell, give away or dispose of any damaged item in the fire outbreak without the permission of the surveyor
  • Do not wash off or remove any damaged articles in the property without the consent of the surveyor
  • Do not initiate the repairs without the approval of the insurer
  • Keep all the evidence of lost or damaged goods handy
  • Make sure to cooperate surveyor during the inspection process and submit the claim form at the earliest (at least 30 days from the date of the incident).

Digit General Fire Insurance: Documents Required

Here is a list of mandatory documents required to submit along with the claim form to the insurer for a successful claim settlement-

  • Fire insurance policy copy
  • Duly filled and signed claim form
  • FIR report (if police are involved)
  • Fire brigade report
  • A brief statement of the loss in the insured property
  • Any supporting report issued from the local or government authority
  • Details of loss or damage under add-on covers (if any)
  • Submit photographs in support of loss or physical damage in the insured property


Written By: PolicyBazaar - Updated: 23 August 2023
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Policybazaar for Business - Fire Special Perils Insurance - Customer Reviews
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Based on 83 reviews
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Based on 83 reviews
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4.8 October 09, 2022
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.
4.8 October 08, 2022
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 .
4.8 October 07, 2022
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.
4.5 October 06, 2022
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
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.
4.3 October 04, 2022
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.
4.3 October 03, 2022
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.
4.5 October 02, 2022
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.
4.5 October 01, 2022
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.
4.5 September 30, 2022
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.