This kind of insurance shall cover damages and losses that the insured / policy holder incurs due to sudden blaze and burning all the insured's property or part thereof. This policy normally covers the following:
- Fire or thunderbolt
- Explosion followed by fire
- Explosion of natural gas
Moreover, there are some more additional risks that are called "accompanying risks". The following are examples of them:
- risk of explosion of boilers, steam machines and pressure equipment
- risks of riot, work stoppages, and civil strikes
- risks of subversion & terrorism
- Insuring against loss of the lease of the insured place because of a fire accident, against which there is an insurance policy.
- Insuring against lessee's liability before the owner due to fire that may happen to the part occupied by the lessee.
- Insuring against policy holder's liability insurance before the others as a result of a fire accident, against which there is an insurance policy, and that may cause damages to the others' property.
- Insuring the sudden casual accidents that may affect water tanks and / or installations and pipes inside the building and that may cause a sudden and strong water surging.
- insuring against natural risks (earth shakes – earthquakes – floods – storms - water flows
- Risk of vehicles' crash, whether they are owned to the insured / policy holder or to others.
- Risk of planes 'crash, their fall or the fall of part of them.
- Risk of the explosion of water pipes of spontaneous sprinklers network or water leakage without causing fire.
- Coverage of the costs & expenses that are related to removal of debris and insured things as a result of an accident of coverage the insurance policy against fire.
- Insuring against losses in the total profits that may result from or due to the interruption of business (subject matter of the insurance), partially or wholly.
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