Fire Insurance
Protecting your property and assets from the unexpected.
INTRO
A fire, flood, or explosion can cause irreparable damage to your property, machinery, and stock in a matter of minutes. Fire insurance — and its broader form, the Standard Fire and Special Perils Policy — ensures that you can rebuild and recover without bearing the financial burden alone.
Sama Insurance Brokers advises businesses and individuals on fire and allied perils insurance, helping you understand exactly what is covered and how to value your assets correctly.
WHAT IS COVERED
What Does a Standard Fire and Special Perils Policy Cover?
✅ Fire and explosion
✅ Lightning
✅ Flood, storm, cyclone, typhoon, tempest, inundation, hurricane, tornado
✅ Earthquake (as an add-on in most policies)
✅ Landslide and rockslide
✅ Aircraft damage
✅ Riot, strike, malicious damage
✅ Impact damage (by road vehicles, rail, or animals)
✅ Bursting or overflowing of water tanks, apparatus, or pipes
✅ Bush fire
WHAT CAN BE INSURED
- Buildings (owned or rented premises)
- Machinery and equipment
- Stock and inventory
- Furniture, fixtures, and fittings
- Electronics and computers (with add-on covers)
ADD-ON COVERS AVAILABLE
- Earthquake Cover
- Terrorism Cover
- Loss of Profit / Business Interruption Cover
- Machinery Breakdown Cover
- Electronic Equipment Cover
HOW WE HELP
- Asset Valuation Guidance — Helping you arrive at the right sum insured to avoid underinsurance.
- Policy Comparison — Comparing terms from multiple insurers.
- Renewal Management — Ensuring uninterrupted coverage.
- Claim Support — Assistance with claim documentation and process.
