From factory floors to corporate headquarters, we secure your physical assets against Fire, Burglary, and Natural Disasters.
Property damage halts cash flow. A fire or flood does more than damage your building; it stops your business. Standard policies fix the walls, but who pays the salaries and rent while you rebuild? We structure Business Interruption cover to ensure your net profit is protected during the recovery period.
Designed for private car owners, commercial vehicles, PSVs, and fleets.
The essential baseline cover. Protects your buildings, stock, and machinery against damage from fire, lightning, explosion, storm, earthquake, and floods.
Protection against loss or damage to your property resulting from forcible or violent entry/exit. Includes damage to the premises during the break-in.
Our most comprehensive solution for large industries. It combines Fire, Burglary, and Accidental Damage into a single ‘All Risks’ policy, covering everything unless specifically excluded.
Accurate Valuation: We guide you on proper Sum Insured calculation to avoid the “Average Clause” (under-insurance penalties) during claims.
Rapid Assessment: In the event of a loss, we deploy independent loss adjusters immediately to speed up the settlement.
Risk Surveys: We arrange for professional risk surveys to identify hazards early, often lowering your premium rates.
Preserve Capital Reserves Rebuilding after a disaster typically costs millions. Transferring this massive expense to the insurer ensures that cash flow remains intact for business growth rather than emergency repairs.
Guarantee Business Continuity Physical damage often halts revenue, but fixed expenses like rent, loan repayments, and salaries persist. Coverage maintains financial solvency even while the doors are closed.
Mitigate Uncontrollable Threats Internal safety protocols cannot prevent fires starting next door, flash floods, or political unrest. Insurance serves as the only line of defense against risks that lie completely outside operational control.
Accelerate Operational Recovery Disasters create chaos. Immediate access to settlement funds allows for rapid contractor deployment and restocking, preventing competitors from seizing market share during the downtime.
Satisfy Lender Requirements Banks and financial institutions require physical assets to be insured as collateral. Maintaining valid coverage ensures compliance with loan covenants and keeps credit facilities open.
Shield Against Liability A fire spreading to a neighboring building or a structure injuring a pedestrian can trigger expensive lawsuits. Property policies cover the legal defense and compensation costs associated with third-party claims.
Answers to critical questions about valuations, riots, and lost income.
A Standard Fire Policy lists specific risks (Fire, Lightning, Earthquake, etc.); if a cause isn’t listed, it isn’t covered. Industrial All Risks (IAR) is broader, it covers any accidental loss or damage (including burglary and breakdown) unless it is specifically excluded. IAR is recommended for large factories and commercial complexes.
If you insure a building worth 100M for only 50M (50%), the insurer will apply the “Average Clause.” This means they will only pay 50% of any claim, even a small one. It is vital to conduct a professional valuation to ensure the Sum Insured represents the full replacement cost to avoid this penalty.
Most modern travel policies now include coverage for COVID-19 medical treatment abroad. However, cancellation due to lockdowns or fear of travel is usually excluded. Please check the specific policy terms for COVID details.
Standard property policies generally exclude civil commotion, terrorism, and political riots. Given the unpredictable nature of these events, we strongly advise adding the PVT (Political Violence & Terrorism) extension to ensure the property is shielded during times of unrest.
Generally, no. The Landlord is responsible for ensuring the Building structure. As a tenant, you are responsible for insuring your Contents (furniture, stock, electronics) and any improvements you have made to the interior (like partitions or branding).
Not always. Large “Plate Glass” windows often require a specific Plate Glass extension due to their high breakage risk. Similarly, sensitive electronics (servers, medical scanners) should be insured under an “Electronic Equipment” policy, which covers electrical breakdown and data media, unlike standard fire policies.
Don’t let luck decide the company’s future. Shield hard-earned investments against fire, theft, and political instability with robust, reliable coverage.
