Fire and Allied Perils

Fire & Allied Perils Insurance is a type of property insurance that protects against damage or loss caused by fire and a range of related risks. It’s especially valuable for homeowners, businesses, and property developers who want to safeguard their assets from unexpected disasters.

This policy is meant to indemnify the insured against the loss of or damage to your property arising from fire as well as from allied perils such as earthquakes, explosions, riots and strikes, malicious damage, special perils

Risks that can be Covered under Fire & Allied Perils Insurance

Risks Covered

Primary Risks Covered
  • Fire: Must involve actual ignition of property not meant to be on fire.
  • Lightning - Damage caused by natural electrical discharge
  • Explosion/Implosion - Industrial or boiler explosions (excluding pressure vessels unless specified). Domestic gas explosions are usually included; industrial ones require extensions
  • Impact Damage - From vehicles, aircraft, animals, or falling objects
  • Aircraft Damage: Includes articles dropped from aerial devices
  • Flood & Rain - Includes overflowing gutters, storm water, and inundation
  • Spontaneous Combustion - Fire caused by internal heating or fermentation of materials
  • Smoke Damage: Resulting from fire or combustion
  • Earthquake Fire & Shock - Covers both fire and structural damage from seismic activity
  • Subterranean Fire: Underground fires, if specifically included
  • Bush Fire - Damage from wildfires or land clearing by fire
  • Spreading Fire from Nearby Property: If accidental and not due to negligence
Natural Disaster-Related Perils
  • Earthquake (Fire & Shock): Covers both fire and structural damage due to seismic activity
  • Storm, Cyclone, Hurricane, Typhoon, Tempest
  • Flood & Inundation: Water damage from overflowing rivers, rain, or storm surge.
  • Snow, Hail, Rain Damage: Often grouped under “Special Perils.”
Civil & Social Disturbance Risks
  • Riot & Strike Damage: Losses due to civil unrest or labor disputes.
  • Malicious Damage: Intentional damage by third parties.
  • Political Violence & Terrorism: Sometimes offered as a separate extension
Water-Related Perils
  • Bursting or Overflowing of Water Tanks, Pipes, or Apparatus
  • Overflowing Gutters: Especially during storms or heavy rain
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Why take the Fire and Allied Perils Cover?
  • Covers any other damage not directly caused by accidental fires, but from related causes
  • Covers damage to your property, ensuring that losses to your business can be recovered
What Property Types Are Covered
  • Buildings (residential, commercial, Industrial)
  • Contents (furniture, fixtures, equipment)
  • Stock-in-trade
  • Machinery and tools
  • Office electronics and installations
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