This is an Insurance Policy that provides compensation against the destructive effects of fire, lighting, or explosion. We understand how you’ve put a lot of time, hard work and considerable money into building up your estate and 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 one-stick lit matches, misconnected gas cylinder, 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 dubieties, We are plume in providing you with our comprehensive protection backed by sound financial capability. This policy cover, protects you from financial loss as a result of “referred and listed perils” as well as other possible policy cover extensions cited below:

Standard perils covered are:

  • Fire
  • Lightning
  • Explosion
  • Storm, flood and landslides
  • Malicious damage
  • Impact damage by vehicles / animals / aircraft
  • Riots and strikes, also civil commotion
  • Burst pipes/water tanks, sprinkler leakage

Policy possible extensions

  • Architects and Surveyors Fees
  • Debris removal
  • Annual automatic increase of the sum insured to protect you against inflation
  • Automatic reinstatement of the sum insured after loss

Who can purchase this cover?

Every individual, Corporate Organization, Government with investments.

The property expected to be covered are your buildings, office furniture, fixtures and fittings, stock of raw materials etc. If the building is rented, you will need to insure the rent paid to cover cost of alternative accommodation in the event of a fire. The Policy can also cover such property held by you in trust or on commission.

To enable us make a competitive quote, you will need to supply us with the values of your various assets by downloading and filling out this Fire & Peril Claim form; then get back to us

Get in touch with Universal Insurance Staff or Agent today; Use our live chat support, Contact Us or call 01 2934645 to speak with one of our Customer Service team.


Businessman stand on broken stairway thinking of ways to get his trophy

This a form of insurance coverage that replaces business income lost as a result of an event that interrupts the operations of the business, such as fire or a natural disaster, etc. Business interruption insurance is not sold as a separate policy, but is either added to a property/casualty policy or included in a comprehensive package policy.

Business interruption insurance premiums (or at least the additional cost of the rider) are deductible as ordinary business expenses. This type of policy pays out only if the cause of the business income loss is covered in the underlying property/casualty policy.

The amount payable is usually based on the past financial records of the business.

Get in touch with Universal Insurance Staff or Agent today; Use our live chat support, Contact Us or call 01 2800700 to speak with one of our Customer Service team.