Business

Fire & Special
Perils Insurance

Protect insured business or personal property against loss or damage caused by fire, lightning, floods, and other listed natural and special perils.

Get Covered

At a glance

The terms behind your cover.

Ugandan factory engineer in safety gear inspecting industrial machinery

Basis of indemnity

Replacement Value Basis, subject to the terms of the policy.

Basis of cover

Loss or damage to property caused by fire, lightning, floods, and other natural perils.

Excess

Other perils: 10% of claim, minimum UGX 100,000. Earthquake: 2.5% of Sum Insured.

Quotation validity

Valid for 30 days from the date of issue.

What the policy covers

Covered risks, explained simply.

Fire

Loss or damage to insured property caused by fire.

Lightning

Loss or damage to insured property caused by lightning.

Explosion

Loss or damage to insured property caused by explosion.

Political risks

Political risks included under the policy terms and schedule.

Earth movement

Earthquake and volcanic eruption, subject to its excess.

Bush fire and combustion

Bush fire and spontaneous combustion, as listed.

Storm and flood

Storm, wind, hail, snow, and flood damage to insured property.

Aircraft impact

Aircraft and other impact damage to insured property.

Vehicles, animals and trees

Impact by vehicles, animals, and falling trees.

Water discharge

Sprinkler leakage, burst pipes, and water discharge.

Subsidence and landslip

Loss or damage caused by subsidence and landslip.

Riot and malicious damage

Riot, strike, civil commotion, and malicious damage.

Main extensions

Additional protection
included in
the policy.

72 Hours Clause

Groups related catastrophe losses within one defined claim period.

Adjacent Buildings

An adjacent buildings extension, as shown in the final schedule.

Contract Works

Extends cover for approved works up to UGX 50M.

Debris Removal

Pays debris clearance costs up to UGX 50M.

Customers Property

Protects customer property on site up to UGX 10M.

Claims Preparation Costs

Supports claim preparation fees up to UGX 10M.

Expediting Expenses

Funds faster repair or reinstatement up to UGX 10M.

Appraisement

Covers valuation support up to 10% of sum insured.

Escalation Clause

Adjusts values when insured costs rise before loss.

Public Authorities & Utilities Clauses

Applies the listed public authorities and utilities clauses to the policy.

Riot & Malicious Damage Extensions

Extends protection for riot and malicious damage under the policy terms.

Temporary Removal

Protects insured property moved temporarily under stated terms.

Reinstatement of Sum Insured

Restores cover after loss when policy terms allow.

Important exclusions

What this policy does not automatically cover.

War and related risks

War and related risks are not covered.

Theft during or after fire

Theft or burglary during or after fire is excluded.

Public authority orders

Damage ordered by a public authority is excluded.

Nuclear and radioactive risks

Nuclear and radioactive risks are not covered.

Inherent defects or fermentation

Loss from inherent defects or fermentation is excluded.

Loss before policy inception

Loss before the policy starts is not covered.

Ordinary roof leakage

Ordinary roof leakage is not covered.

Outdoor property

Storm or water damage is excluded unless normally kept outdoors.

Claims process

How a claim works.

01
Report the incident

Tell us what happened, where, and when — as early as you can.
02
Share the documents

Send your policy details, photos, estimates and records.
03
Assessment confirms cover

An assessor reviews the damage and confirms your cover.
04
Repair or settlement

Once approved, repairs or settlement follow policy terms.