Fire & Property Insurance
Protect your buildings, plant & machinery, stock, furniture, fixtures and business assets against unforeseen fire and allied risks with comprehensive commercial property protection.
What does this policy protect?
Commercial Fire & Property Insurance forms the absolute foundation of your business risk management profile. It provides a financial buffer to rehabilitate physical structures, machinery tools, and logistical stocks following unforeseen catastrophes.
Buildings & Structures
Superstructures, administrative offices, and warehouses.
Plant & Machinery
Production machinery, utility units, and assembly equipment.
Stock & Inventory
Raw stocks, work-in-progress materials, and finished goods.
Office Contents
Furniture, hardware fittings, and server infrastructure.
Always Protected Perils
These standard insured perils form the core foundation of your property schedule and are included automatically as part of the core coverage:
Covers damage caused by accidental fires, short circuits, or surrounding blazes.
Physical damage to building and setups caused by direct lightning strikes.
Boiler explosions, chemical implosions, and domestic gas cylinder incidents.
Physical impact damage from falling aircraft or dropped aerial objects.
Security against public strikes, physical vandalism, and civil unrest.
Damage from cyclones, flash floods, or monsoonal water overflows.
Collisions by road vehicles, rail stock, or external equipment.
Movement of ground, landslips, or rockfalls damaging structures.
Rupture, bursting, or overflow of overhead tanks and piping apparatus.
Impact damage resulting from government or scientific testing launch activities.
Accidental discharge or leakage from automatic fire sprinkler systems.
Spreading wildfires or vegetation fires impacting outer boundaries.
Build Your Protection Proposal
Provide basic property estimates, select optional extensions, add-on covers, and share your contact details.
Step 1: Property Declaration
Provide estimated values for asset groups. You can type exact figures or drag sliders.
Complete Business Risk Ecosystem
Fire & Property Insurance forms the foundation of property protection. Complementary policies protect specialised risks that may arise during business operations.
Burglary Insurance
Additional protection for contents and valuables against burglary and theft.
Fire Loss of Profit (FLOP)
Helps recover financial losses arising from business interruption following an insured Fire claim.
Machinery Breakdown
Protects machinery against sudden and unforeseen mechanical or electrical breakdown.
Machinery Loss of Profit (MLOP)
Helps recover loss of gross profit following an insured Machinery Breakdown claim.
Boiler & Pressure Plant
Protects boilers and pressure vessels against engineering risks including explosion and collapse.
Property Insurance Comparison
Compare our property insurance solutions to identify the most suitable option for your business.
| Parameter | Bharat Griha Raksha | Bharat Sookshma Udyam Suraksha | Bharat Laghu Udyam Suraksha | Standard Fire & Special Perils | Customized Property Insurance |
|---|---|---|---|---|---|
| Suitable For | Housing Societies & Residential Properties | Micro Enterprises & Small Shops | Small & Medium Enterprises (SMEs) | Large Enterprises & Industrial Plants | Complex Infrastructure & Special Assets |
| Sum Insured Range | Up to ₹15 Crores | Up to ₹5 Crores | ₹5 Crores to ₹50 Crores | Above ₹50 Crores | Case-by-case / Custom |
| Building Cover | Included (Full Reinstatement) | Included | Included | Included (Reinstatement) | Customized Integration |
| Plant & Machinery | Not Applicable | Included (Reinstatement/Market) | Included (Reinstatement) | Included (Reinstatement) | Customized Integration |
| Stock Cover | Not Applicable | Included | Included | Included (Declaration Option) | Customized Integration |
| Business Interruption | Not Available | Available (FLOP Rider) | Available (FLOP & MLOP Riders) | Highly Customizable (FLOP & MLOP) | Available (Fully Tailored) |
| Best Suited Industries | Residential Cooperatives | Retail Shops, Small Offices, Micro Factories | Medium Manufacturing, Warehouses, Hotels | Heavy Manufacturing, IT Parks, Chemical Plants | Metro Projects, Ports, Mega Infrastructure |
| Advisory Recommendation | Best for residential apartment blocks and housing cooperative societies. | Ideal for micro setups wanting standard regulatory protections. | Recommended for mid-sized commercial structures and operations. | Essential for large factories requiring customized underwriting slips. | Designed for complex developmental stages and infrastructure grids. |
Bharat Griha Raksha
Bharat Sookshma Udyam Suraksha
Bharat Laghu Udyam Suraksha
Standard Fire & Special Perils
Customized Property Insurance
Guiding You Through Every Step of Your Claim
A claim is when your insurance truly proves its value. Our dedicated claims specialists stand by your side throughout the entire journey—from first notification and documentation to insurer coordination, surveyor communication and settlement support—ensuring a smoother, more transparent claims experience.
Claim Notification
Notify our claims team as soon as an incident occurs. We register your claim request and guide you through the immediate next steps.
Dedicated Claims Specialist
A dedicated claims specialist becomes your single point of contact, helping you understand your policy coverage and guiding you throughout the claims journey.
Documentation Support
We help you organise, review and submit the required documentation to minimise delays and avoid unnecessary queries.
Surveyor & Insurer Coordination
Our team works closely with surveyors and the insurer to facilitate communication and support the assessment process.
Claims Progress Updates
We proactively follow up with all stakeholders, respond to insurer queries and keep you informed throughout the progress of your claim.
Settlement Support
Once the insurer completes its assessment and approves the claim, we continue assisting until the settlement process is successfully concluded.
Your Claim. Our Commitment.
Professional guidance and dedicated support from claim notification through successful settlement.
Frequently Asked Questions
Key questions answered regarding fire risk placement, valuation methodology, and claims.