The basic cover provides loss or damage to property caused by fire and lightning. This insurance can be extended to cover loss or damage to property as a result of Riot and Strike, Explosion, Malicious damage, Earthquake Fire and Stock, Spontaneous combustion and special perils such as flood, storm or tempest and related perils.

The risk to be covered involves commercial buildings, machinery and plant, stocks of raw materials and finished goods, furniture, fixtures and fittings, business/office equipment and goods in trust and/or on commission for which the insured is responsible.

There also some extensive clauses that are incorporated under the fire policy based on the insured's requirement such as Architects quantity surveyors and other fees clause, consulting engineers fees clause, municipal plan clause, internal removal alterations and repairs clause, cost of demolition, and clearing and erection of hoarding clause, reinstatement of loss, capital additions clause, rent receivable/payable, temporary removal, public authorities , public utilities and others.

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