A Kshema product
Kshema Standard Fire and Special Perils Policy
Kshema Standard Fire and Special Perils Policy offers comprehensive protection for your property against fire and a range of specified perils. It safeguards your business assets including buildings (including plinth and foundation), plant and machinery, stock, furniture, fixtures, fittings, and other contents, so you can focus on running your business without worrying about unexpected losses.
- Tailored for businesses of all sizes
- Covers high-value assets and critical infrastructure
- Flexible add-ons to customise your protection
Why choose Kshema Standard Fire and Special Perils Policy?
Comprehensive Protection
Covers fire and a wide range of allied perils.
Financial Security
Reduces the burden of repair, replacement, and downtime costs.
Supports Business Continuity
Helps your business recover quickly after unexpected disruptions.
Customisable Add-ons
Enhance your coverage with add-ons designed to fit your business needs.
Protect your business assets from
Fire
Lightning
Explosion & Implosion
Aircraft Damage
Riot, Strike and Malicious Damage (RSMD)
Storm, Tempest, Cyclone, Typhoon, Hurricane and Tornado
Flood & Inundation
Impact Damage
Subsidence, Landslide and Rockslide
Missile testing operations
Bush Fire
Bursting and/or Overflowing of Water Tanks, Apparatus and Pipes
Leakage of Automatic Sprinklers Installation
Add-on covers you can choose from:
Deterioration of stock in cold storage due to power failure following an insured peril
Forest fire
Impact Damage due to own vehicles, forklifts, and similar equipment
Spontaneous combustion
Earthquake (Fire and Shock)
Spoilage of stock due to an insured peril
Leakage and contamination loss
Loss or damage to stock while they were temporarily removed from the insured premises
Terrorism
Looking for personalised recommendations to choose the best insurance solution that fits your needs?
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- Coverage for homes, shops, and small businesses.
- Policies that safeguard against fire, lightning, and allied perils.
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