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Choose the preferred add-on for enhanced protection at an additional premium with Shriram Fire Insurance policy
The Standard Fire and Special Perils policy may cover various assets such as buildings, plant & mach stock and furniture, against loss or damage due to various unforeseen events such as fire, ligh explosion/implosion, aircraft damage, riot, strike and so on
Fire, lightning, explosion/implosion
Aircraft damage
Riot, strike and malicious damage
Storms, cyclones, floods, tempests, hurricanes, tornados and inundation
Impact damage, subsidence and landslide including rockslide
Bursting and/or overflowing of water tanks, apparatus and pipes
Missile testing operations
Leakage from automatic sprinkler installations and bush-fire
Loss, destruction or damage caused by war/invasion
Act of foreign enemy hostilities or war-like operations (whether war be declared or not)
Civil war, mutiny or civil commotion
Military rising, rebellion, revolution, insurrection, military or usurped power
All industrial risks (other than risks rateable under Petrochemical Tariff) have an overall Sum Insured of Rs. 50 crores and above in one or more locations in India shall be eligible for the Industrial All Risks Policy
Faulty or defective design materials, inherent vice, latent defect, gradual deterioration, deformation, distortion, wear and tear
Interruption of the water supply, gas electricity, fuel systems or failure of the effluent disposal systems to and from the premise
The fire loss of profit policy operates in the event of damage to an insured's premises due to any event insured under the Standard Fire & Special Perils Policy, causing an interruption to the policy holder's business
Loss of gross profit due to a reduction in turnover
The increased cost of working incurred in minimizing that loss of gross profit
Loss of wages
Lay off & retrenchment
Auditor/Accountant fees
Loss of goods lying at supplier's premises
Loss due to accidental failure of public electricity/gas/water supply
Loss, destruction or damage caused by war/invasion
Act of foreign enemy hostilities or war-like operations (whether war be declared or not)
Civil war, mutiny or civil commotion
Military rising, rebellion, revolution, insurrection, military or usurped power
A comprehensive standard fire and special perils policy covering the physical loss or damage to insured property caused by fire and other perils
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