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Fire Insurance

Standard Fire and Special Perils

We, at ICICI Lombard, understand the amount of effort you put in building up your business and see it flourish with increasing assets, property, machinery and stocks.

But life, as we know it, is full of uncertainties and not all of them are pleasant. A small negligence, a minor spark can bring your dreams down to ashes. Natural calamities such as earthquake, storm and flooding can put you property at risk.

To protect you against such uncertainties, ICICI Lombard has one of the best Standard Fire and special perils policy in the industry that safeguards you against the losses, backed by sound financial capability and most importantly, speedy claims settlement.

UIN: IRDAN115CP0045201920

Product Code: 1001

Comprehensive Product Offering:

Standard fire and special perils policy:

Standard fire insurance policies provide coverage against financial loss or property damage caused by a fire or other covered perils.

What does it cover?

  • Fire
  • Lightning
  • Explosion/Implosion
  • Aircraft Damage
  • Riot, Strike, Malicious Damages & Terrorism
  • Storm, Tempest, Cyclone, Typhoon, Hurricane, Tornado, Flood and inundation
  • Impact damage
  • Subsidence, Landslide and Rock slide
  • Missile Testing operations
  • Bursting and/or overflowing of Water Tanks, Apparatus and Pipes
  • Leakage from Automatic Sprinkler Installations
  • Bush Fire

General exclusions from the policy:

  • War and war like perils
  • High value items like gold , precious stones, unless specified
  • Loss of earning due to market uncertainties
  • Loss due to theft, in amidst occurrence of any peril
  • Property not in the premises

Useful add-ons offered by ICICI Lombard to cover specific needs:

You can also choose among following covers, upon payment of additional premium.

  • Architects, Surveyors & Consulting Engineers fees (in excess of the provisions of the standard policy)
  • Debris Removal (in excess of the provisions of the standard policy)
  • Forest Fire
  • Impact Damage by your own vehicles etc.
  • Spontaneous combustion
  • Omission to insure Additions, Alterations or Extensions
  • Earthquake (Fire & Shock)
  • Spoilage Material Damage Cover
  • Leakage & Contamination Cover
  • Loss of Rent
  • Alternative Accommodation
  • Start Up Expenses
  • Terrorism Cover
  • Deterioration of Stocks


  • Expertise in risk minimization and mitigation
  • Special value added services team dedicated for risk advisory and safety installations
  • Best in the industry re-insurance mechanism
  • Speedy claims settlement with single documentation
  • Financial strength and supreme claims paying capacity

This is not an exhaustive list. For details, please read our policy terms and conditions.