This is the most important and basic form of insurance and is essential for all types of business concerns. Fire and Allied Perils Insurance provides comprehensive cover in respect of loss or damage to your property against fire and lightning, riot and strike damage, atmospheric disturbance, earthquake fire and shock explosion, impact damage, aircraft damage, and malicious damage (such as act of terrorism).

This policy provides cover for loss of gross profit and/or increased cost of working and/or standing charges sustained as a result of business interruption caused by an accident indemnifiable under fire and allied perils policy.