Fire and Special Perils

FIRE AND SPECIAL PERILS

This policy Indemnifies the insured against accidental physical loss, destruction or damage to the property insured by any cause other than those specifically excluded occurring within the geographical area specified at any time during the period of insurance. This policy can be taken to cover all immovable and movable property such as buildings, plant and machinery, furniture, fixtures, fittings, Stock and goods held in trust and other contents as required by the insured.

SUITABILITY

The Fire Insurance policy is suitable for the owner of property.
One who holds property in trust or on commission.
Individuals or financial institutions that have financial interest in the property.
Tenants in respect of their own property which they are legally responsible for.

Scope of Cover

This policy covers loss of or damage caused by:-

Fire
Lightning
Explosion

Additional perils extension.

4. Earthquake, volcanic eruption and Subterranean fire, bush-fire.

5. Storm, wind, water hail or snow.

6. Aircraft, other aerial devices or articles dropped there from.

7. Impact by animals, train, trees or vehicles (Own & third party vehicles excluding damage to such vehicles.

8. Leakage or discharge from fire extinguishing installations/appliance like Sprinkler System

9. Subsidence and Landslip.

10. Riot, strike, Civil Commotion and malicious damage.

11. Spontaneous combustion, fermentation, self-heating

Other RelatedProducts

Industrial All Risk Cover

It is an all-risks policy covering a broad range of perils, including fire, lightning, explosion, riot, strike, malicious damage, storm, tempest, flood, earthquake, burglary and accidental damage.

Workers Compensation

This cover provides compensation against accidental death, bodily injury, Illness or disease to employees arising out of and in the course of employment.

Group Personal Accident

This policy provides compensation to employees, their families, or organized groups against accidental death or bodily injury, in accordance with the benefits specified in the policy and liability under the Workers Compensation Act, Cap 225 (2000)

Marine Insurance

This covers raw materials or finished goods from damage or loss of the goods while in transit due to mishandling or other forms of damage like accidents, explosions, impact fires, theft, malicious damage and strikes, riots and civil commotion

Goods in Transit (Inland Transits)

This policy covers loss or damage to insured goods whilst in transit on land by any vehicle ,train, inland waterway including loading and offloading, against loss or damage by fire, lightning, theft and accidental means.

Motor Insurance Cover

Designed to protect the insured against loss of or damage to their vehicle, as well as liability for damage to third-party property, bodily injury or death arising from traffic accidents.