Standard Fire & Special
Perils Insurance
Comprehensive protection for your property, assets, and business from fire and allied perils.
600+
Satisfied Businesses
10,000+
Claims Handled
99.3%
Claims Disposal Ratio
2005
Inception year
All-in-One Fire & Special Perils Policy: Fire, Natural Disasters, Loss of Profit & More
What is Standard Fire & Special Perils Insurance?
Standard Fire and Special Perils (SFSP) Insurance safeguards your business against losses or damage to property caused by fire and other natural or man-made perils. It covers buildings, machinery, stock, furniture, and more — ensuring your financial stability even after unforeseen disasters.
Every business needs Standard Fire & Special Perils Insurance because it:
- Protects against fire, lightning, explosion, and natural calamities
- Covers damage to building, machinery, and stock
- Essential for industrial, commercial, and retail operations
- Required by banks for loans or insurance compliance
- Provides peace of mind and business continuity
What Does Standard Fire & Special Perils Insurance Cover?
| Peril | Fire & Lightning | Explosion / Implosion | Riot, Strike & Malicious Damage | Storm, Cyclone, Tempest, Flood, Inundation | Impact Damage | Aircraft Damage | Add-on Covers |
|---|---|---|---|---|---|---|---|
| Description | Damage caused by accidental fire or lightning strike | Due to boilers, gas cylinders, or other pressure vessels | Losses caused by civil commotion or vandalism | Natural calamities and water-related damages | By any vehicle or external object | From aircraft or parts falling from it | Earthquake, Terrorism, Spontaneous Combustion, Loss of Rent |
Ideal for These Sectors
Factories & Industrial Units
Commercial Buildings
Warehouses & Godowns
Residential & Housing Societies
Hotels & Restaurants
Customize Your Standard Fire & Special Perils Policy
Earthquake Coverage
Terrorism Risk Extension
Spontaneous Combustion Cover
Loss of Rent or Alternate Accommodation
Architect / Surveyor Fees
Debris Removal Expenses
Claim Process —
Quick & Hassle-Free
1
Inform your insurer immediately after the incident
2
Submit claim form, FIR, and fire brigade report
3
Surveyor visits and assesses the damage
4
Claim settlement within 7–10 working days
Real Business. Real Protection.
FMCG Plant — Fire & Special Perils Coverage
A fire and equipment malfunction halted production for 15 days. SFSP insurance covered damage and ₹40L in lost profits, letting the business resume smoothly.
Why Businesses Trust Insurance Manager
Trusted Insurance Experts
Quick Policy Issuance
IRDAI Certified Advisors
24×7 Claim Assistance
Pan-India Service Support
Frequently Asked Questions
What is Standard Fire and Special Perils (SFSP) Insurance?
Standard Fire and Special Perils Insurance provides protection against losses or damage to your property caused by fire, lightning, explosion, natural disasters, and other specified perils. It covers buildings, machinery, stock, and furniture.
Who should buy Standard Fire and Special Perils Insurance?
Any business or organization with physical assets — factories, warehouses, offices, retail stores, or residential societies — should have Standard Fire and Special Perils coverage to safeguard against unforeseen damages.
What perils are covered under Standard Fire and Special Perils Insurance?
Typical coverage includes fire, lightning, explosion, riot, strike, malicious damage, storm, flood, impact damage, sprinkler leakage, and optional add-ons like earthquake and terrorism.
Does Standard Fire and Special Perils Insurance cover business interruption?
Yes, optional coverage for loss of profit or rent is available to compensate for income lost due to property damage or business interruption caused by insured perils.
How do I make a claim under Standard Fire and Special Perils Insurance?
Inform your insurer immediately, submit the claim form along with supporting reports (fire brigade/FIR), allow the surveyor to assess the damage, and receive settlement, usually within 7–10 working days.
Don’t wait for an accident to realize the value of the right policy.
Protect your factory, profits and peace of mind today.
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