Insurance

Fire Insurance

The Standard Fire and Special Perils (SFSP) policy is the most widely used property insurance product in India, regulated by the IRDAI. It covers buildings, machinery, stock, furniture, and other assets against fire, lightning, explosion, aircraft damage, riot, strike, malicious damage, storm, flood, inundation, earthquake, and other specified perils. For Indian businesses operating in diverse climatic zones -- from cyclone-prone coastal regions to earthquake-sensitive Himalayan belts -- fire insurance forms the foundation of any commercial risk management programme. Add-on covers like terrorism, spontaneous combustion, and forest fire are commonly purchased.

3 aliases in market usage12 city-specific guides

Key features

Covers fire, lightning, explosion, and 12+ allied perils
Available for buildings, plant & machinery, stock, and contents
Market agreement or floater policies for multi-location risks
Add-on covers: earthquake, terrorism, spontaneous combustion
Sum insured basis: reinstatement value or market value
Mandatory for loan-secured commercial properties

City coverage guides

Fire Insurance in Mumbai

Guide to fire insurance for commercial properties in Mumbai. Understand SFSP coverage, monsoon-related perils, high-rise risks, and premium factors for Mumbai businesses.

Fire Insurance in Delhi

Secure your Delhi business against fire risks. Tailored fire insurance for factories in Okhla, Narela, and commercial properties in Connaught Place.

Fire Insurance in Bangalore

Comprehensive fire insurance for Bangalore businesses. Protect offices, warehouses, and factories from fire, explosion, and natural perils.

Fire Insurance in Chennai

Secure your Chennai property and factory against fire, explosion, and natural perils. Tailored fire insurance for industrial estates and commercial spaces.

Fire Insurance in Hyderabad

Fire insurance in Hyderabad for pharma plants, IT offices, and commercial properties. Coverage for fire, explosion, and allied perils. Get a Sarvada quote.

Fire Insurance in Pune

Comprehensive fire insurance for Pune businesses and factories. Covers industrial units in Chakan, Pimpri-Chinchwad, and IT parks against fire, explosion, and allied perils.

Fire Insurance in Kolkata

Secure your Kolkata property against fire, lightning, and explosion with tailored fire insurance. Coverage for heritage buildings, factories, and warehouses.

Fire Insurance in Ahmedabad

Fire insurance for Ahmedabad businesses and properties. Covers textile mills, chemical plants, warehouses, and commercial buildings against fire and allied perils.

Fire Insurance in Surat

Fire insurance in Surat for textile mills, diamond units, GIDC factories, and commercial properties. Protect against fire, explosion, and allied perils.

Fire Insurance in Jaipur

Fire insurance for Jaipur businesses and properties. Coverage for textile units, jewellery workshops, and industrial estates against fire and allied perils.

Fire Insurance in Lucknow

Fire insurance in Lucknow covering heritage buildings, commercial complexes, and industrial units. Protect against fire, monsoon, and allied perils.

Fire Insurance in Kochi

Fire insurance in Kochi for commercial and industrial properties. Coverage for spice warehouses, IT parks, refineries, and coastal facilities.