Reliance General Fire Insurance

Reliance General Insurance Company Ltd. is one of the leading general insurers in India. With more than 28,900+ intermediaries across India, the company offers several customized insurance plans to meet everyone's needs. Reliance Standard Fire and Special Perlis Policy is one such fire insurance policy that this company offers to their consumer.

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Features of Reliance General SFSP Policy

Here are the salient features of the Reliance General Insurance SFSP policy-

  • This policy offers comprehensive coverage to the insured property.
  • The policy covers industrial risks, manufacturing risks, and storage risks.
  • Tank farms, utilities, dwellings, offices, gasholders, offices, hotels, shop owners, etc., can purchase this policy.
  • There is a wide range of add-ons available to enhance the basic coverage.
  • There are multiple policy options to choose from, such as floater policy, declaration policy, and floater declaration policy.

Reliance General SFSP Fire Insurance: Inclusions

Reliance General SFSP fire insurance policy provides coverage for the following perils-

  • Loss or damage caused to the insured property due to fire, lightning, explosions, or implosion
  • Loss or damage causing fire to the insured premises due to aircraft, aerial devices, or dropped articles
  • Loss or damage caused to the insured property due to malicious activity, riots, strikes, terrorism, etc.
  • Loss or damage caused to the insured property due to several natural calamities, including storms, floods, inundations, cyclones, hurricanes, typhoons, tempests, and tornadoes
  • Loss or damage caused to the insured property due to landslide and rockslide demolition
  • Loss caused to the insured property due to missile testing operations
  • Loss or damage caused to the insured property due to overflowing or bursting of the water tank, pipes, and apparatus
  • Leakage from automatic sprinklers installation causing damage or loss to the insured property
  • Loss or damage caused due to bushfire
  • Loss or damage caused to the insured property due to the groundwork and excavations
  • Coverage for debris removal (up to 1% of the claim amount)
  • Coverage for the fee of architects, surveyors, and consultants (up to 3% of the claim amount)

Reliance General SFSP Fire Insurance: Exclusions

Reliance General SFSP fire insurance policy does not offer any coverage for the following perils-

  • Loss or damage due to war and nuclear perils
  • Loss or damage due to pollution and contamination
  • Consequential loss sustained by the insured property
  • Loss due to theft or burglary during or after the occurrence of any insured perils
  • Loss or damage due to volcanic eruption or other disruptions of the nature

Reliance General SFSP Fire Insurance:Claim Process

For an easy and seamless experience while raising fire insurance claims, follow the below steps-

  1. Intimate the insurer about the fire accident as early as possible (usually within 14 days from the day of the incident) along with a rough estimate of the loss
  2. Inform the fire station and cooperate with them to extinguish the fire and minimize the loss extent
  3. If the police are involved, submit a copy of the FIR to the insurer
  4. From the fire station, obtain the fire brigade report, and the total bill as this is covered under the fire insurance policy
  5. If a fire outbreak is due to a natural disaster, obtain the metrological report from the Indian Meteorological Department
  6. The insurer will send a surveyor to examine the extent of loss in the fire incident
  7. Do not dispose any of the damaged items or initiate the repair of damaged items without the consent of the surveyor
  8. Collect all the evidence of damaged or lost items
  9. At last, cooperate with the surveyor during the inspection and fill out the claim form & submit it with the required documents.

Reliance General SFSP Fire Insurance: Documents Required

Here is a list of basic documents required to raise a claim under Reliance General SFSP fire insurance-

  • Duly filled and signed claim form
  • An FIR (if filed)
  • Fire insurance policy
  • Fire brigade report
  • Metrological report (if fire outbreaks due to natural disaster)
  • Books of accounts
  • Details of savings in standing charges
  • Details of the increased cost of working
  • Details of trends in business
  • Details of all the activities carried out at other premises


Written By: PolicyBazaar - Updated: 24 March 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
13 users
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4 users
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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.