The Fire Insurance Department provides various insurance products carefully designed to offer comprehensive coverage against fire risks and related hazards.
These policies include coverage for commercial establishments, industrial and service facilities, as well as residential and administrative buildings, ensuring protection for property, equipment, goods, and assets from loss or damage due to fire or other associated risks.
Fire Insurance Policy
Covers loss or damage to insured property resulting directly from fire at the insured location.
The policy compensates the insured for the value of the damaged property due to fire.
Burglary Insurance Policy for Commercial Activities
Covers loss or damage to property due to theft resulting from forcible entry to or exit from the insured premises, as well as damage caused to the building or contents during the burglary or attempted burglary.
Fire and Burglary Insurance Policy
Covers loss or damage to insured property resulting from both fire and burglary, as defined in the policy conditions, providing comprehensive protection against both risks.
Fire and Additional Perils Insurance Policy
Covers loss or damage to insured property resulting from fire and other additional perils such as lightning, explosion, earthquakes, storms, floods, riots, strikes, and malicious acts — according to the policy terms and conditions.
Fire, Additional Perils, and Burglary Insurance Policy
Covers loss or damage to insured property resulting from fire, additional perils (lightning, explosions, earthquakes, storms, floods, riots, strikes, malicious acts, etc.), and burglary (including theft resulting from forcible entry or exit).
All-Risks Insurance Policy
Covers loss or damage to insured property caused by any sudden and accidental event not excluded by the policy.
It provides the widest coverage against most risks, including fire, burglary, explosion, and natural disasters.
Property All Risks Policy (Commercial and Industrial Establishments)
This policy compensates the insured for material losses or damages sustained to their property as a result of fire or any of the additional covered risks, including: Fire – Lightning – Riots and civil commotions – Natural perils – Falling aircraft or parts thereof – Water leakage from overhead tanks or bursting of pipes within the insured premises – Impact by vehicles – Burglary – Explosion.
Comprehensive Hotel Policy
Compensation to the insured for material losses or damages sustained to their property as a result of a fire or any of the additional covered risks, including: (Fire – riots, labor and civil disturbances – natural hazards – falling aircraft or parts thereof – water leakage from an overhead tank or burst pipes within the insured premises – vehicle impact with insured property – burglary – chemical explosion, explosion of boilers, steam engines, and internal combustion engines or other machinery and installations – debris removal expenses – loss or reduction of revenue – loss of cash – employee dishonesty – cash in transit – glass breakage – general public liability – machinery breakdown – spoilage risks).
Political Violence Risks Insurance Policy
Compensation is provided to the insured for material losses or damages to their property resulting from any of the following risks: terrorism, sabotage, riots and labor disturbances and/or civil commotion, armed rebellion, revolution or insurrection, military coup, war or civil war, and debris removal.
Mortgage Units Insurance Policy
Compensation is provided to the insured in the event of the collapse, cracking, fissuring, or total or partial destruction that affects the permanent usability of the insured building as a result of a fire, lightning, or a fire caused by explosion or spontaneous combustion.
Burglary Insurance Policy for Private Residences
This policy compensates the insured for material losses or damages to their property while located within the premises described in the policy schedule, directly resulting from:
(Burglary or attempted burglary involving forcible entry to or exit from the insured premises through breaking doors, windows, walls, roofs, or floors – or burglary or attempted burglary by coercion involving the use or threat of weapons or violence against the insured or their employees).
Comprehensive Insurance Policy for Educational Institutions
This policy compensates the insured for losses or damages to their property resulting from fire or any of the additional covered risks, including:
(Fire – riots and labor or civil disturbances – natural perils – aircraft or falling objects – water leakage from an overhead tank or burst pipes within the insured premises – vehicle impact – burglary – debris removal expenses – loss of cash – infidelity of employees – cash in transit – glass breakage – and general public liability).