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Fire & Special Perils Insurance

Fire & Special Perils Insurance

Because one fire can wipe out years of hard work.

Fire and allied risks remain one of the biggest threats to business assets. Offices, factories, warehouses, godowns, and showrooms face constant exposure to electrical faults, short circuits, inflammable materials, and natural calamities.

Destruction of buildings, stock, and equipment
Complete halt of business operations
Severe financial losses
Impact on customer trust and business continuity

At JSR Insurance Marketing LLP, we structure Fire Insurance with a risk-based and continuity-focused approach, not just minimum compliance.

Who Should Opt for This Insurance?
  • Offices & commercial establishments
  • Factories & manufacturing units
  • Warehouses & godowns
  • Retail stores & showrooms
  • Traders, distributors & stockists

If your business operates from a physical premise, this cover is non-negotiable.

What Does This Insurance Cover?
  • Fire, lightning
  • Explosion or implosion
  • Storm, cyclone, tempest
  • Flood & inundation
  • Earthquake (fire & shock)
  • Impact damage (vehicle or animal)
  • Riots, strikes & malicious damage
Assets That Can Be Covered
  • Building (owned or tenant improvements)
  • Plant & machinery (excluding breakdown)
  • Raw materials & finished goods
  • Furniture, fixtures, fittings & interiors
  • Electrical installations
Why Fire Insurance Often Fails at Claim Stage
  • Under-insurance to save premium
  • Incorrect declaration of stock values
  • Ignoring reinstatement value
  • Non-disclosure of hazardous materials
Fire & Special Perils vs Industrial All Risk Insurance
  • Fire policy offers basic property protection
  • Machinery breakdown is not covered
  • Internal electrical/mechanical failures are limited
  • Large factories may require Industrial All Risk Insurance
How We Help at JSR Insurance Marketing LLP
  • Fire risk & exposure assessment
  • Correct sum insured & valuation method
  • Relevant add-ons & extensions
  • Alignment with other asset covers
  • Claims support & policy reviews

Ready to Protect Your Business from Fire-Related Risks?

Fire risks cannot be predicted, but they can be planned for.

Schedule a Confidential Consultation

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