Name: Fire Insurance for Office
Brand: Policybazaar
Rating: 4.6 (139 reviews)

Fire Insurance for Office

Fire insurance for office provides coverage against loss or damage caused to the office building as well as the content inside the office building due to fire accidents. Apart from this, the policy also provides cover for the damages caused by natural calamities, bursting of water tanks, etc.

Fire Insurance for Office: Inclusions

Fire insurance provides cover for below mentioned perils:

Fire: Damage caused by fire accidents is covered.

Explosion: Damage caused by an explosion is covered.

Aircraft: Damage or loss caused by an aircraft crash is covered.

Lightning: In case of lightning and if it cracks the building is also covered.

Natural calamity: Damage caused by typhoons, cyclones, etc is covered.

Landslide: if your office is in a hilly area and the landslide causes any damage to the office then it will be covered.

Water tank overflow: If the water tank kept on the roof of your office building bursts out then the damage caused by it will be covered.

Fire Insurance for Office: Exclusion

Fire insurance for office does not provide coverage for the following:

Willful negligence leading to any kind of damage will not be covered

Damage caused by terrorist activity is not covered.

Damage caused due to war will not be covered.

Damage caused by terrorist activity will not be covered.

Loss in the share market or loss of earnings will not be covered.

Fire Insurance for Office: Claim Process

Follow the below-mentioned steps to raise your claim under fire insurance for office:

Inform the insurer when a fire accident takes place in your office

Ask for the claim form and fill it up

Provide detailed information on the damage

Tell them an estimated amount of the damage

The insurance company will send investigators to survey the premises

Help them during the survey and tell them everything in detail

Once they are done with the survey they will begin the settlement process.

Fire Insurance for Office: Documents Required

To raise a claim after the fire accident, you will be required to provide the following document along with the claim form:

Copy of the policy

The policy should consist schedule and clauses.

Newspaper cutting if the accident has been published in any.

If you raised any previous claim then a record of it.

Passport size photo

Report of a fire brigade

Investigation report

FAQs

Ques 1: How can I purchase fire insurance for my office at a lower premium?

Ans: While purchasing the fire insurance the insurers visit your office and check if you take any kind of safety precautions such as fire extinguishers, water sprinklers, etc. If you do not have these kinds of safety precautions then the premium rates will be high because the lack of such safety precautions can lead to much more loss or damage. Hence it is recommended to the buyer keep these safety precautions before purchasing fire insurance.
Ques 2: if an employee’s negligence leads to a fire accident in the office, will the insurance policy cover the loss or damage?

Ans: Fire insurance for office will not provide coverage for any kind of loss or damage caused due to an employee’s negligence that led to a fire accident.
Ques 3: If the surveyor sent by the insurer to inspect the damages and the reason behind it do not get satisfied and find the reason misleading, will they provide coverage for the damages caused?

Ans: If the surveyor does not get satisfied while inspecting the premises and finds the reason behind the fire accident misleading then the insurer would stop the claim settlement until and unless they get satisfied with the cause of the accident.
Ques 4: Is it necessary to provide a newspaper cutting as proof to get the claim settled?

Ans: The insured doesn't need to provide a newspaper cutting as proof to the claim settled. However, if the fire accident made its way to the newspaper then it would be helpful and easier for you to get the claim settled.

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Policybazaar for Business - Fire Office Insurance - Customer Reviews

View all 139 reviews

View all

4.6

out of 5

Based on 139 reviews

69 users

66 users

4 users

0 users

5 June 11, 2026

Chaturvedi

Equipment Risk Coverage

The coverage offered excellent protection for our heavy machinery at a reasonable premium.

Kurnool

5 June 10, 2026

Himanshu

Machinery Protection Excellence

Heloo toh akiase

Tirupati

5 June 09, 2026

SINGH

Hassle-free Purchase

My Experience with PolicyBazaar has been good. I was buying the insurance for the first time. The process is very simple. I was able to compare multiple insurers on a single platform. 100% hassle-free purchase.

Ludhiyana

5 June 09, 2026

RAGHAV

Very Supportive

I recently purchased home insurance through PolicyBazaar. The team patiently explained all the options and helped me choose the best plan for my needs. Thank you for your support!

Jalandhar

5 June 08, 2026

Vivek Nair

Competitive Premium

Got good coverage at a premium that fit my budget.

Visakhapatnam

5 June 08, 2026

Komal Arora

Helpful Advisors

The advisor recommended a policy based on my business needs.

Varanasi

5 June 08, 2026

Sunil Chauhan

Good Experience

Overall, a smooth and professional experience from start to finish.

Kolkata

5 June 08, 2026

Arjun Kapoor

Peace Of Mind

Knowing my business property is insured gives me peace of mind.

Thane

5 June 08, 2026

Naveen Kumar

Efficient Process

The application process was completed without any unnecessary paperwork.

Navi Mumbai

5 June 08, 2026

Priya Sharma

Great Service

Received excellent support throughout the purchase journey.

Kanpur

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Fire Insurance for Office