HDFC ERGO Fire and Special Perils Insurance Policy

Fire & Special Perils

We understand how you’ve put a lot of time, hard work and considerable money into building up your business. We also understand your needs when misfortune strikes when you least expect it. Almost anything can happen at any time – a short circuit can reduce your assets to ashes, a burst pipe can flood your premises, a riot or act of terrorism can wipe away years of effort...

To help you protect your business against such uncertainties, HDFC ERGO provides one of the best Fire & Allied Perils products in the industry. We take pribe in providing you with our comprehensive protection backed by sound financial capability.

This policy is Ideal for SME’s and Corporates alike, those who need coverage for their business against uncontrollable situations that can bevastate property and businesses.

Policy rates and terms are governed by the All India Fire Tariff. The normal policy period is 12 months though a long term policy of up to 10 years is available for houses, at an attractive discount.

  • The Standard policy does not cover your business against the following -
  • Willful acts or gross negligence
  • destruction/damage by own fermentation, natural heating or spontaneous combustion
  • Explosion/Implosion damage to doilers, damage caused by centrifugal forces Forest fire
  • Unspecified precious stones, cheques, currency, documents, etc. unless specifically declared
  • Consequential losses
  • Theft during/after operation of peril
  • Terrorism