Fire Insurance
Build a resilient business with essential protection against fire and related perils.
At Beyond Insurance Brokerage, we secure your assets with tailored fire insurance coverage.
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Build a resilient business with essential protection against fire and related perils.
At Beyond Insurance Brokerage, we secure your assets with tailored fire insurance coverage.
A fire can be devastating, that’s why Fire & Allied Perils policies provide a critical financial safety net to help you recover and rebuild quickly.
Secure your property against physical damage or destruction caused directly by fire, whether accidental or from external sources, plus lightning strikes.
Extend your policy to include crucial "allied perils" such as storms, floods, earthquakes, and impact damage from vehicles or aircraft.
Protect against damage from explosions (e.g., gas cylinders, boilers) and spontaneous combustion, a key risk in many industries.
Safeguard your assets from damage caused by civil commotion, strikes, lockouts, or malicious acts with this vital policy extension.
Add Business Interruption coverage to your Fire policy to protect your revenue stream and cover fixed costs if a fire halts your operations.
We work with you to assess your specific fire risks and recommend risk management strategies that can help lower your insurance premiums.
We provide offers from over 20 of Egypt’s top insurance companies, as we are trusted from the FRA.
A Fire & Allied Perils policy covers a list of specific risks (fire, storm, flood, etc.). A Property All Risks (PAR) policy is much broader; it covers all accidental damage except for perils that are specifically excluded. PAR is generally the recommended cover for most businesses.
These are additional risks that can be added to a basic fire policy. Common allied perils in Egypt include damage from storms, floods, water leakage from pipes, impact by vehicles, earthquakes, riots, strikes, and malicious damage (RSMD).
No, it is not. Business Interruption (BI) is an optional but highly recommended extension. You must specifically request it to be added to your Fire or Property policy to cover your loss of profits and fixed expenses after a fire.
Insurers offer significant premium discounts for properties with excellent fire protection systems. This includes having certified fire extinguishers, hose reels, a sprinkler system, and a central fire alarm system. Good risk management directly lowers your insurance cost.
Yes, theft during or after a fire is covered as a direct consequence of the fire.
This is a critical condition. If you under-insure your property (i.e., the sum insured is less than the actual replacement value), the insurer will only pay a proportion of your claim. For example, if you insure for only 70% of the value, you will only receive 70% of any claim amount. It is vital to insure for the full value.
Yes, if the fire spreads and causes damage to your insured property, it is covered. The origin of the fire does not have to be within your own premises for the policy to respond.
Key documents include the completed claim form, the official fire brigade report, a police report, photographic evidence of the damage, and quotations for repair or replacement of the damaged assets. Our team would assist you in compiling this information.
This is a key distinction. The fire policy covers the subsequent fire that results from a short circuit. However, the initial piece of equipment that short-circuited is typically not covered unless you have a separate Machinery Breakdown or Property All Risks policy.