Commercial Basic Fire

Bharti AXA provides a comprehensive cover for your car,so you can drive hassle-free.
Car Insurance
Ride worry-free, with Bharti AXA two wheeler insurance plan. 
Two Wheeler Insurance
Safeguard the health of your loved ones with a wide range of Bharti AXA health insurance plans.
Health Insurance
Secure your joyous family trips with Bharti AXA international travel insurance cover.
Travel Insurance
Bharti AXA Home Insurance
Bharti AXA Home Insurance
Bharti AXA SME Package Insurance
Bharti AXA SME Package Insurance
Bharti AXA Commercial Lines Insurance
Bharti AXA Commercial Lines Insurance
Bharti AXA Commercial Vehicles Insurance
Bharti AXA Commercial Vehicles Insurance
Bharti AXA Motor Third Party Insurance - Commercial
Bharti AXA Motor Third Party Insurance - Commercial
Pradhan Mantri Fasal Bima Yojana (PMFBY)
Pradhan Mantri Fasal Bima Yojana (PMFBY)
Renew your Bharti AXA car insurance to enjoy your non-stop drive.
Bharti AXA Car Insurance
Renew your Bharti AXA Two Wheeler Insurance to continue your worry-free rides.
Bharti AXA Two Wheeler Insurance
Renew your Bharti AXA Health Insurance and continue to safeguard the health of your loved ones.
Bharti AXA Health Insurance
Register Claim
Track Claim
BLOGS
FAQS
About Bharti AXA
Branch Locator
Cashless Garages
Cashless Hospitals
Careers
Contact Us
Become A Partner
Become A Partner

Products

Car Insurance
Two-Wheeler Insurance
Travel Insurance
Health Insurance
Motor Third Party Liability
Commercial Vehicle
Commercial Lines Insurance
Bharti AXA SME Package
Home Insurance
Pradhan Mantri Fasal Bima Yojana(PMFBY)
Arogya Sanjeevani
List of products
List of withdrawn Products

Car Insurance

Comprehensive Car Insurance
New Car Insurance Policy
IDV in Car insurance
No Claim Bonus in Car Insurance
Bumper to Bumper Car Insurance

Bike Insurance

Comprehensive Two Wheeler Insurance
IDV in Bike Insurance
No Claim Bonus in Bike Insurance
Bike Insurance Quote

Travel Insurance

Travel Insurance Coverage
Benefits of Travel Insurance
Travel Health Insurance
Travel Insurance Quote

Health Insurance

Cashless Health Insurance

Knowledge Centre

Blog
Infographics
Videos
Travel Guide
Visa Guide
Road Trip
Insurance Glossary
Health & Fitness Guide
Food & Cuisine Guide
RTO Guide
Driving License Guide
Car Manufacturer
Two-Wheeler Manufacturer
Travel Destination

Bharti AXA & YOU

About Us
Careers
Contact Us
Cashless Garages
Cashless Hospitals
Branch Locator
Grievances
Investor Relation Information

Resources

Public Disclosure
Knowledge Centre
Download Center
Media Center
Consumer Education
Electronic Insurance Account
Update IRCTC Nominee
Unclaimed Amount
Sitemap
Notice Of General Meetings
Service Parameters
Suspended Agents
Whistleblower policy
Become A Partner

About Group

AXA Group
Bharti Enterprises
Bharti AXA Life Insurance
Download My Airtel App

Legal

Privacy Policy
Terms of Use
Fraud Risk Management Policy
Equal Opportunity Policy

Key benefits - Cover your property against fire

This is a basic fire insurance plans which indemnifies you against damage to your property caused by fire, lightning or explosion only.

You can decide to extend your insurance to cover other perils:

  • Aircraft damage
  • Riot, strike, malicious damage
  • Storm, typhoon, hurricane, tornado, flood and inundation
  • Impact damage
  • Subsidence and landslide, including rockslide
  • Bursting and overflowing of water tanks, apparatus and pipes
  • Missile-testing operations
  • Leakage from automatic sprinkler installation
  • Bush fire

What are the other related insurances available for my business?

The Standard Fire and Special Perils Policy can be availed with following variations to suit business requirements:

  • Floater Policy: This policy can be issued for Stocks at various locations
  • Declaration Policy: To take care of frequent fluctuations in stocks/ stock values, declaration policy can be availed subject to certain norms.
  • Floater Declaration Policy: This policy has the features of both floater and the declaration policies.

Main exclusions of the Standard Fire Product

The general exclusions are broadly classified as:

  • Fire due to own fermentation, natural heating or spontaneous combustion of stocks
  • Burning by order of any public authority
  • Explosion of boilers or steam generating vessels and machinery subject to centrifugal force by its own explosion or implosion
  • Pressure waves generated by aircraft
  • Total or partial cessation of work/retarding/interruption of any process or operations arising out of riot, strike, malicious damage
  • Burglary, housebreaking, theft, larceny in any malicious act
  • Impact damage by rail/road vehicle or animal belonging to the insured or employee or any occupier of the premises
  • Normal cracking, settlement, bedding down, upheaval of land/structures, coastal or river erosion, defective design, workmanship or use of defective materials
  • Destruction or damage caused by forest fire
  • Excess amount mentioned in the schedule/policy i.e. the minimum amount of claim to be borne by the client
  • Loss or damage caused by war or warlike situations
  • Loss or damage by pollution or contamination except due to insured peril
  • Loss or damage to electrical machine/apparatus which is the source of fire
  • Architects', surveyors' and consulting engineers' fees exceeding 3% and debris removal expenses exceeding 1% of claim amount
  • Any consequential losses

This is not an exhaustive list.

For further details and quotation, talk to us today at 1800-103-2292 (Toll free) or visit one of branches

Policy's Coverage

Main exclusions of the Standard Fire Product

The general exclusions are broadly classified as:

  • Fire due to own fermentation, natural heating or spontaneous combustion of stocks
  • Burning by order of any public authority
  • Explosion of boilers or steam generating vessels and machinery subject to centrifugal force by its own explosion or implosion
  • Pressure waves generated by aircraft
  • Total or partial cessation of work/retarding/interruption of any process or operations arising out of riot, strike, malicious damage
  • Burglary, housebreaking, theft, larceny in any malicious act
  • Impact damage by rail/road vehicle or animal belonging to the insured or employee or any occupier of the premises
  • Normal cracking, settlement, bedding down, upheaval of land/structures, coastal or river erosion, defective design, workmanship or use of defective materials
  • Destruction or damage caused by forest fire
  • Excess amount mentioned in the schedule/policy i.e. the minimum amount of claim to be borne by the client
  • Loss or damage caused by war or warlike situations
  • Loss or damage by pollution or contamination except due to insured peril
  • Loss or damage to electrical machine/apparatus which is the source of fire
  • Architects', surveyors' and consulting engineers' fees exceeding 3% and debris removal expenses exceeding 1% of claim amount
  • Any consequential losses

This is not an exhaustive list.

For further details and quotation, talk to us today at 1800-103-2292 (Toll free) or visit one of branches