Fire Insurance
Fire insurance covers loss or damage to insured property from fire and, depending on the plan, allied perils such as explosion or lightning — a foundational cover for any business holding physical stock, machinery, or premises.
Foundational cover for physical assets you can’t afford to rebuild alone
Cover can extend to explosion and lightning, with storm and flood typically available as add-ons. Stock and machinery can be included under the same policy as buildings and structures, where declared.
Two concepts worth understanding before you buy:
Underinsurance — if the declared sum insured is lower than the actual value at risk, a claim payout can be proportionately reduced, even for a partial loss. Reinstatement value — some policies pay the cost to replace or rebuild rather than the depreciated value, which materially changes what a claim actually pays out.
Why fire cover matters
Underinsurance can quietly erode a claim
If the declared sum insured is lower than the actual value at risk, a payout can be proportionately reduced — even for a partial loss.
Reinstatement value changes what a claim pays
Some policies pay the cost to rebuild or replace rather than the depreciated value — a difference that matters at claim time.
Foundational for asset-heavy businesses
Manufacturers, warehouse operators, and retailers hold meaningful physical assets they can’t afford to rebuild out of pocket.
What fire insurance covers
Fire & Allied Perils
Explosion and lightning cover, with storm/flood typically as add-ons.
Stock & Machinery
Covered where declared under the same policy.
Buildings & Structures
Cover for the physical premises themselves.
Explosion & Lightning
Allied perils covered alongside fire itself.
Built for businesses holding physical assets
Manufacturers
Protect production equipment, stock, and premises.
Warehouse Operators
Protect stored goods against fire and allied perils.
Retailers
Protect premises, fittings, and inventory on-site.
Supported from comparison through claims
Our Digital Insurance Journey is how we work every business insurance enquiry, start to finish.
Enquire
Tell us about your premises, stock, and machinery at risk.
Learn & Compare
We explain sum insured and reinstatement value, then compare relevant plans across insurers.
Apply & Issue
Your advisor handles the paperwork, liaises with the insurer, and checks the policy before you rely on it.
Renewals & Claims
We stay reachable for renewals, and our Claims Support desk helps if property is damaged.
Frequently asked questions
Cover that often goes with fire insurance
Looking for the right cover for your business?
Talk to an advisor about how Fire Insurance fits your premises and assets — we compare across insurers rather than selling a single product.