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What is Standard Fire and
Special Perils Policy

Fire insurance Policy covers all immovable and movable property located in a particular premise such as buildings, plant and machinery, furniture, fixtures, fittings and other contents, stocks and stock in process along with goods held in trust or on commission.

Know What Our Standard Fire and
Special Perils Policy
Offers You

medical-policy
Fire Coverage

Fire Excluding destruction or damage caused to the property insured by (A) i) Its own fermentation, natural heating or spontaneous combustion. ii) It’s undergoing any heating or drying process. (B) Burning of property insured by order of any Public Authority. Show MoreShow Less

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Riot, Strike and
Malicious Damage

Loss of or visible physical damage or destruction by external violent means directly caused to the property insured but excluding those caused by a) total or partial cessation of work or the retardation or interruption or cessation of any process or operations or omissions of any kind. b) Permanent or temporary dispossession resulting from confiscation, commandeering, requisition or destruction by order of the Government or any lawfully constituted Authority. Show MoreShow Less

medical-policy
Explosion/Implosion

Excluding loss, destruction of or damage a) to boilers (other than domestic boilers), economizers or other vessels, machinery or apparatus (in which steam is generated) or their contents resulting from their ownexplosion/implosion. b) caused by centrifugal forces. Show MoreShow Less

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Impact Damage

Loss of or visible physical damage or destruction caused to the property insured due toimpact by any Rail/ Road vehicle or animal by direct contact not belonging to or owned by a) the Insured or any occupier of the premises or b) their employees while acting in the course of their employment. Show MoreShow Less

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Subsidence and Landslide including Rock slide

Loss, destruction or damage directly caused by Subsidence of part of the site on which the property stands or Land slide/Rock slide excluding: a) the normal cracking, settlement or bedding down of new structures b) the settlement or movement of made up ground c) coastal or river erosion d) defective design or workmanship or use of defective materials Show MoreShow Less

medical-policy
Leakage from Automatic
Sprinkler Installations

Excluding loss, destruction or damage caused by a) Repairs or alterations to the buildings or premises b) Repairs, Removal or Extension of the Sprinkler Installation c) Defects in construction known to the Insured. Show MoreShow Less

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Natural Calamities

Loss, destruction or damage directly caused by Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood or Inundation excluding those resulting from earthquake, Volcanic eruption or other convulsions of nature. (Wherever earthquake cover is given as an “add on cover” the words “excluding those resulting from earthquake volcanic eruption or other convulsions of nature” shall stand deleted.) Show MoreShow Less

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War like operations

Loss, destruction or damage caused by war, invasion, act of foreign enemy hostilities or war like operations (whether war be declared or not), civil war, mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power Show MoreShow Less

medical-policy
Loss due to explosives

Loss, destruction or damage directly or indirectly caused to the property insured by a) ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. b) the radio active toxic, explosives or other hazardous properties of any explosive nuclear assembly or nuclear component thereof Show MoreShow Less

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Electrical or Mechanical
Damage

Loss, destruction or damage to any electrical machine, apparatus, fixture, or fitting arising from or occasioned by over-running, excessive pressure, short circuiting, arcing, self heating or leakage of electricity from whatever cause (lightning included) provided that this exclusion shall apply only to the particular electrical machine, apparatus, fixture or fitting so affected and not to other machines, apparatus, fixtures or fittings which may be destroyed or damaged by fire so set up. Show MoreShow Less

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Theft

Loss by theft during or after the occurrence of any insured peril except as provided under Riot,Strike, Malicious Damage cover.

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Market loss

Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.

medical-policy
Change of Temperature

Loss, destruction or damage to the stocks in Cold Storage premises caused by change of temperature.

* The details furnished here do not constitute entire terms & conditions. For More details refer policy documents.

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Get Claim in 3 Easy Steps

step 1
1Claim Intimation

Call us on our Toll-free Helpline number 1800-22-4030/1800-200-4030

step 1
2Surveyor Appointment

A surveyor will be assigned who will assess the losses.

step 1
3Claim assessment and settlement

After successful verification, the claim amount will be disbursed.

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Look At What They Have To Say!

  • I own a jewellery shop in Lucknow. Unfortunately, a few days back a theft incident happened at my shop. I was left devastated by thankfully I had Shopkeeper Insurance Policy from Universal Sompo.

    Pavan Kumar Soni

  • My hospital got damaged in the Kolhapur floods. But the quick settlement offered by the Universal Sompo team made me a little optimistic about things. It was a ray of hope I needed. You are the best!

    Dr. Sachin M Zadbuke

  • I am a dairy owner from Khera district in Gujarat and I have cattle insurance policy from universal Sompo. Recently, my cattle died because of some disease. On intimation of claim, the team from Ahmedabad helped and supported me in the whole claim procedure.

    Kalpesh Parmar

    Gujrat
  • I want to say that I am really impressed with the services of Universal Sompo. The speed with which they settled my claim is commendable. I found the team efficient, realiable, & full of professionalism.

    Avdhesh Mourya

    Delhi

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