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The basic Fire policy provides indemnity against loss or damage to property described, caused by fire, lightning and explosion. However, the policy has been extended to cover riots, strike, malicious damage, storm, earthquake, and impact by vehicles, aircraft and other aerial devices, subterranean fire, spontaneous combustion, explosion of industrial boilers and economizers, flooding, water damage due to bursting or overflowing of water tanks, apparatus, and pipes.

This insurance covers assets such as buildings, plant and machinery, business stock, furniture fixtures and fittings and equipment.


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Fire risks are many times beyond the control of the insured but leads to catastrophic losses which can wipe out all the business assets acquired through hard-earned incomes or cause devastating losses.

Sources of risk would include careless employees, act of nature such as floods, storms and earthquake, external parties such as drivers, malicious acts of third parties,

KCB Insurance offers excellent claims service and all claims that occur will be handled by a team of highly competent claims analysts who will handle the claims end-to-end.

This policy is ideal for Business Owners, property developers, real estate owners, industries, merchandisers, learning institutions, Hospitals and clinics, hotels, wholesalers, hardware, agro-dealers, supermarkets, petrol stations, religious institutions etc. whose property is susceptible to the various risks insured.

In order to place a Fire & Perils insurance Policy, the client will need to provide the following details:-

  • Full Name of the client /proposer for insurance, Postal Address, Telephone Contact, PIN Number, Occupation (from which client derives his income)
  • Value (s) of the property to be insured a Commercial Building, Business Stocks, business contents, plant and machinery, furniture fixtures and fittings and equipment.
  • Details of fire prevention measures put in place to prevent and/or mitigate fire losses such as Fire Alarm, smoke detectors etc.

In the event of a fire claim occurring, we shall require the following documents in order to process the claim:-

  • Immediate claim notification to KCB Insurance Agency
  • A Duly completed Claim form.
  • Police abstract report.
  • Bill of Quantities/Replacement invoice/ Purchase receipts/ Proforma invoices.
  • Statement on the circumstances of the loss.
  • Witness (es) statements.

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