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Fire Insurance for Office

Shield your business!

49 Lakh+

Policies issued*

One of the Market leaders in
the private sector#

Easy claim
process

Instant policy
generation

Covers burglary@

Coverage for loss in stock

Covers up to 50
crores

Covers natural and
man-made calamities

What is fire insurance for office?

Fire insurance for office is a general office insurance policy that covers physical loss, damage or destruction of your office and property due to fire, implosion or explosion, lightning, leakage from automatic sprinkler installation, etc., during the policy period.

What is covered by fire insurance?

  • Inclusions
  • Exclusions

Fire insurance covers you for physical loss or damage to your office because of:

  • Fire, including own fermentation, natural heating or spontaneous combustion
  • Explosion or implosion
  • Lightnings
  • Bursting or overflowing of water tanks, apparatus and pipes
  • Missile testing operations

Read the policy wordings carefully to know the coverage offered in detail.

Fire insurance for office doesn’t cover losses or damages due to:

  • Burning of office property by any public authority
  • Heating or drying process
  • Normal cracking, settlement or bedding down of new structures
  • Defective design or workmanship
  • Use of defective materials

Go through the policy wordings to know the exclusions in detail.

Benefits of fire insurance for office

Fire insurance for office offers the following benefits:

Extensive coverage

This policy offers extensive coverage against damages suffered due to fire and allied perils such as lightning, implosion, explosion, missile testing operations etc.

Financial protection

Fire insurance for offices offers financial protection by helping you cover the cost of repairing damaged property depending on the policy’s terms and conditions.

Extra cushion

This insurance policy also covers the cost of debris removal, professional fees of architects and surveyors, expenses compelled by municipal regulation, etc., as per the policy terms.

Fire Insurance Image

Fire insurance for office: Claims process

To make a claim:

  • Inform us immediately about your loss including your name, policy number, statement of loss, etc
  • We’ll appoint a licensed surveyor to assess your damages post receiving your intimation
  • Submit the required documents to the surveyor along with the claims form
  • The surveyor will assess and approve the repair and replacement details
  • Post the surveyor’s approval, we’ll settle your claim

Fire insurance for office:
Documents required

The documents you need to submit are:

  • 1

    Duly filled-up claims form

  • 2

    Photographs / video of damaged property/ item

  • 3

    Documents in support of claim admissibility like fire brigade report, service engineer’s report

  • 4

    Offer of retention of salvage, if any

  • 5

    Repair, replacement quotation

  • 6

    KYC / NEFT details

  • 7

    Any other document specified by the surveyor

Frequently Asked Questions

How is the cost of fire insurance for office decided?

The cost of fire insurance for office is based on the sum insured, the office's content you want to insure, add-ons chosen and past claims history, among others.

Is employee's negligence covered?

No, if your office or property suffers damages due to employee’s negligence, you’ll not get coverage. That said, go through the policy wordings to know the exclusions in detail.

How to purchase fire insurance for office at a lower premium?

Opting for fire safety measures, higher deductibles, and avoiding add-ons you don’t need can help you lower premiums.

Disclaimer: This above content is for information and knowledge purpose only. For complete details on risk factors, terms, conditions, coverages and exclusions, please refer policy wording.

ICICI Lombard MSME Suraksha Kavach, UIN: IRDAN115RP0051V01202223.

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