A standard fire insurance policy covers the risk of loss, destruction or damage of
properties as a result of fire, lightning and explosion. This scope of cover can however be
extended to insure allied perils such as flood, storm, tempest, tornado, earthquake,
impact, aircraft damage, bursting and overflowing of water tanks, bush fire, riot and
strike as well as malicious damage.
Apart from these additional perils, incorporating certain clauses which will at all times
protect your interest in the insurance contract, can further extend the scope of cover.
In general, properties insurable against the risk of fire and its allied perils can be broadly
classified as follows:

• Buildings including boundary walls and outbuildings;
• Plant, machinery, generators, and spare parts;
• Office contents and equipment of various description, furniture, fixtures and fixings;
• Stock of raw materials, work-in-progress, packaging materials and finished goods;
• Cost of removal of debris following a fire incident;
• Loss of rent;
• Tenant's improvement of building

Premium Rate: 0.3% - 0.4%