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Fire & Property Insurance

Protecting your assets against fire, flood, earthquake and allied perils

Insurance Coverage

Fire & Property Insurance

A single fire or flood can destroy decades of hard work in minutes. Fire and property insurance provides financial protection for your building structure, plant & machinery, stock, and contents against a wide range of perils. Shah Insurance tailors policies for factories, warehouses, retail shops, offices and residential properties across India.

Fire & Property Insurance

Protecting your assets against fire, flood, earthquake and allied perils

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Plan Options

Choose the Right Plan

Standard Fire Policy

Covers losses due to fire, lightning, explosion, aircraft damage and riot. Essential for all commercial properties.

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Flood & Inundation Cover

Add-on cover protecting against losses from flooding, inundation and storms — critical in Mumbai's monsoon season.

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Consequential Loss (FLOP)

Covers loss of profits following a fire or insured peril event, protecting your business income.

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Key Benefits

Why Shah Insurance
for Fire & Property Insurance?

We compare plans from 18+ insurers to find you the best coverage at the most competitive premium.

Comprehensive CoverageCovers fire, lightning, explosion, riot, storm, flood, earthquake, and subsidence.
Stock & ContentsInsures raw materials, finished goods, plant & machinery, furniture and fixtures.
Reinstatement ValueChoose reinstatement value basis to ensure full rebuild cost is covered.
Specialist AssessorsOur team ensures your sum insured is accurately calculated to avoid under-insurance.
Add-on PerilsOptional covers for terrorism, machinery breakdown, and electronic equipment.
Survey SupportWe arrange pre-policy risk surveys to ensure optimal coverage structure.
How It Works

Get Covered in 4 Simple Steps

1
Property Assessment

We assess your property and advise the correct sum insured to avoid under-insurance.

2
Customise Coverage

Choose base cover and add-ons based on your specific risk profile.

3
Policy Issuance

Get your policy document within 24 hours of proposal acceptance.

4
Claim Assistance

In the event of a loss, our claims team is on-site within hours to support you.

FAQs

Common Questions

A standard fire and special perils policy covers fire, lightning, explosion, aircraft damage, riot, storm, flood, inundation, impact damage, subsidence, and missile testing operations.

The sum insured should reflect the reinstatement or replacement value — the cost to rebuild or replace, not the market value. Under-insurance can result in proportionate claim settlement.

Earthquake cover is not included in the standard policy but can be added as an optional add-on at a marginal additional premium.

Business interruption or consequential loss of profit cover is a separate policy taken alongside the fire policy. Shah Insurance can arrange both.
Our Network

Partnered with India's Top Insurers

Bajaj Allianz
HDFC Ergo
Tata AIG
ICICI Lombard
SBI General
Max Bupa

Ready to Get Protected?

Get your free insurance quote today. No paperwork, no hassle — just the best coverage at the best price.