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Fire Insurance

Fire insurance, provision against losses caused by fire, lightning, and the removal of property from premises endangered by fire. The insurer agrees, for a fee, to reimburse the insured in the event of such an occurrence.


 Dwellings, Offices, Shops, Hospitals(Located      outside the compounds of industrial /      manufacturing risks)
 Industrial / Manufacturing Risks
 Utilities located outside industrial/manufacturing      risks
 Storage Risks outside the compound of industrial      risks
 Tank farms / Gas holders located outside the      compound of industrial risks


  • Excluding destruction caused to the property insured by:
                 (a) Its own fermentation, natural heating or spontaneous combustion.
                 (b) Its undergoing any heating or drying process.
                 (c) Burning of property insured by order of any public authority


  • Excluding Loss, Destruction of or damage:
                 (a) To boilers (other than doemstric boliers), Economizers or other Vessels, Machinery or Apparatus                    (in which stream is generated) or their contents resulting from their own explosion/ implosion,
                 (b) Caused by centrifugal forces.

     Aircraft Damage:
  • Loss Destruction or damage casued by Aircraft, other Aerial or space Devices and artcles dropped           therefrom excluding thode caused by pressure waves.

     Riot,Strike,Malicious Damage Cover:
  • Loss of or visible physical damage or destruction by external violent means directly caused to the          property insured but excluding those caused by
                 (a) Total or partial cessation of work or the retardation or interruption or cessation of any process                     or operations or omissions of any kind.
                 (b) Permanent or temporary dispossession resulting from confiscation, commandeering, requisition                     or destruction by order of the Government or any lawfully constituted Authority.
                 (c) Permanent or temporary dispossession of any building or plant or unit or machinery resulting                    from the unlawful occupation by any person of such building or plant or unit or machinery or                    prevention of access to the same.
                 (c) Burglary, housebreaking, theft, larceny or any such attempt or any omission of any kind of any                    person (whether or not such act is committed in the course of a disturbance of public peace) in                    any malicious act.

     Impact Damage:
  • Loss of or visible physical damage or destruction caused to the property insured due to impact by           any Rail/ Road vehicle or animal by direct contact not belonging to or owned by
                 (a) The Insured or any occupier of the premises or
                 (b) Their employees while acting in the course of their employment.

     Subsidence and Landslide Including Rock Slide:
  • Loss, destruction or damage directly caused by Subsidence of part of the site on which the property          stands or Land slide/Rock slide excluding:
                 (a) The normal cracking, settlement or bedding down of new structures
                 (b) The settlement or movement of made up ground
                 (c) Coastal or river erosion
                 (d) Defective design or workmanship or use of defective materials
                 (e) Demolition, construction, structural alterations or repair of any property or groundworks or                     excavations.

     Bursting and/or Overflowing of water Tanks, Apparatus and Pipes:

     Missile Testing Oparations:

     Leakage from Automatic Sprinkler Installations:

     Bush fire:

      Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation:
  • Loss, destruction or damage directly caused by Storm, Cyclone, Typhoon, Tempest, Hurricane,          Tornado, Flood or Inundation excluding those resulting from earthquake, Volcanic eruption or other          convulsions of nature. (Wherever earthquake cover is given as an “add on cover” the words          “excluding those resulting from earthquake, volcanic eruption or other convulsions of nature” shall          stand deleted.)