The standard Fire Policy provides indemnity in the event of a loss resulting from damage to the insured property such as buildings, machinery and equipment, stocks in trade, goods in process, household furniture and fixtures, appliances, personal effects and other fixed properties as a consequence of fire and lightning. This may be extended to include the additional perils of storm, earthquake, falling aircraft, riot and civil commotion, explosion, water damage, impact and sprinkler leakage.

This is a broader cover of the Fire and Allied Perils Policy. This Policy is set out to cover on an “all risks of loss or damage other than those specifically excluded.

The policy provides cover for loss of profits and additional expenses incurred following loss or damage to the property covered under the Fire and Allied Perils Policy or the Property All Risks Policy. The policy requires that a claim is admitted under the Fire and Allied Perils or Property All Risks Policy before the Business Interruption claim is admitted.

This is a composite policy form designed for homeowners where individual policies are merged into a single policy. The cover is provided for fire and allied perils such as storm, tempest, earthquake, riot and civil commotion and in addition such perils as burglary, accidental breakage of glass, personal liability and so on may be added.

This policy provides cover for the cost of replacing the property insured such as windows, doors, partitions following accidental breakage.