Fire insurance policy indemnifies physical loss or damage to your assets (house, building, factory, plant, home furnishing, fixtures, equipments, machines, inventory, etc,.) due to risks listed here below.
Main coverage are fire, lightning, explosion (FLEX) and steam, heat, smoke that arise from FLEX risks. Additional covers are earthquake, flood, inundation, storm, vehicle impact, snow weight, terror, strike, lock-out, malicious acts, theft, glass breakage, tenant - neighbourhood liability.
Loss of Profit (LoP) can be provided as additional cover.