Standard Fire & Special Perils Insurance

Standard Fire & Special Perils Insurance

Did you know that most Indian buildings do not comply with the specified safety guidelines and hence are highly prone to natural and man-made disasters? But, fret not! We promise to compensate you in case such an unforeseen event occurs. With standard fire and special perils insurance policy, be secured against unpredictable events such as floods, riots, strikes etc.

Need for Standard Fire & Special Perils Insurance

​​It takes a lifetime for you to build your assets. In a competitive environment, damage to your property or goods can have an adverse impact on you and your life. To avoid this, you need to be protected against losses that could devastate your life and business​.

Property of any kind whether Manufacturing Units, Warehouses, Shops, Offices, Hotels, Schools, Hotels, Hospitals, Offices, Residential or Commercial complexes could be exposed to loss or damage due to innumerable risks such as natural catastrophes, Fire, Burglary, theft etc.

The Standard Fire and Allied Insurance policy can be taken by any kind of risks -manufacturing units, storage units, trading, and services. The core coverages offered are Fire & Allied Perils Insurance and Fire Consequential Loss Insurance.

What’s Covered?

  • Fire
  • Lightning
  • Explosion / implosion
  • Aircraft damage
  • Riot, strike, and malicious damage
  • Storm, cyclone, typhoon, tempest, hurricane, and tornado
  • Flood and inundation
  • Impact damage
  • Subsidence and landslide including rockslide demolition
  • Construction, structural alterations, or repair of any property
  • Ground works or excavations
  • Bursting and/or overflowing of water tanks, apparatus, and pipes
  • Missile testing operations
  • Leakage from automatic sprinkler installation excluding loss, destruction, or damage
  • Bush fire

What’s not covered?

This policy does not cover damage or loss due to:

  • War and nuclear perils
  • Pollution and contamination
  • Consequential loss
  • Volcanic eruption or other convulsions of nature
  • Theft during or after the occurrence of any insured peril

Why Us?

At Emedlife, our products are value for your money, digitally friendly, covers all your property needs and are adept at handling all your claims

Talk to us today for all your Property Insurance needs at an affordable price and for reliable claims management.

For registration of claims and to learn more about our claims process please Contact our dedicated claims team for advice on an incident/claim.

D&O Policy protect company director or officer from legal liability arising out of actual or alleged wrongful acts in managing a company.

  1. The policy covers a wide range of litigation that could arise from customers, vendors, shareholders, employees.
  2. In addition to defence cost, it provides cover for :
  3. Investigation Cost
  4. Entity Protection against Employment Practice Liability claims
  5. Outside Entity Directorship cover,etc.


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