A fire can destroy years of hard work in a matter of minutes. At Harlalka Insurance, we provide robust Fire and Allied Perils insurance that covers your physical assets—buildings, machinery, stocks, and furniture—against fire, lightning, explosions, and natural calamities like floods and storms. Secure your legacy with our comprehensive property protection plans.
Robust Asset Protection
Fire insurance is essential for every business and homeowner. Our plans are designed to provide the financial means to rebuild and recover after a devastating loss.
Standard Fire Cover
Coverage against fire, lightning, aircraft damage, and riots.
Allied Perils
Includes protection against Storm, Tempest, Flood, and Inundation (STFI).
- Coverage for Building, Plant & Machinery, and Stocks.
- Business Interruption cover (Loss of Profits) as an add-on.
- Earthquake and Terrorism cover options.
Rebuilding with Confidence
We assist in proper valuation of your assets to ensure you are neither under-insured nor over-paying for your coverage.
Loss Mitigation
Guidance on fire safety measures to potentially reduce your insurance premiums.
Our claims team helps in documenting the loss accurately for a faster and fairer settlement process.
- Assistance with Fire Brigade reports and surveyor coordination.
- Interim payment options for large commercial claims.
- Reinstatement value clause for modern replacement of assets.
Frequently Asked Questions
Understanding your Fire Insurance policy.
Reinstatement value means the cost of replacing the damaged property with a new one of similar kind and capacity, without deducting depreciation.
Earthquake cover is usually an add-on in a standard fire policy. It is highly recommended for properties in seismic zones.
For stocks, the sum insured should be the maximum value of stocks held at any point during the policy period, or based on an average monthly balance.