LIC PREMIUM POINT
M M ROAD PILATHARA
PO. PILATHARA, DT. KANNUR 670504
9447035472
8848656959
kalasaparambil@gmail.com
United India Insurance Company (UIIC) provides comprehensive Fire Insurance solutions designed to protect your valuable property and business continuity from the devastating impact of fire and a multitude of other related risks. These policies are essential for homeowners, businesses, and industrial units to ensure financial resilience against major setbacks.
UIIC primarily offers policies based on the traditional Standard Fire and Special Perils (SFSP) Policy and the new standardised products, covering a broad spectrum of assets:
| Policy Name | Target Property | Key Feature |
|---|---|---|
| Bharat Griha Raksha Policy | Residential Buildings & Contents | Standardised, easy-to-understand cover for homeowners. |
| Bharat Laghu Udyam Suraksha | Small to Medium Enterprises (SME) | Covers property with Sum Insured up to ₹50 Crores. |
| Fire Floater/Declaration Policy | Stock/Goods at Multiple Locations | Provides flexibility by adjusting the Sum Insured for fluctuating stock values or locations. |
| Standard Fire & Special Perils | Industrial, Commercial, Large-Scale Risks | The traditional and comprehensive cover for large properties and machinery. |
Fire insurance extends far beyond just fire. The comprehensive coverage includes financial protection against numerous unforeseen events:
Fire 🔥 (Including lightning)
Explosion/Implosion 💣
Aircraft Damage ✈️
Riot, Strike, Malicious Damage (RSMD) 🔨
Natural Calamities: Storm, Tempest, Flood, Inundation, Cyclone, Hurricane, Typhoon, Tornado ⛈️
Impact Damage (By rail/road vehicles or animals)
Subsidence and Landslide/Rockslide
Bursting/Overflowing of Water Tanks, Apparatus, and Pipes
Leakage from Automatic Sprinkler Installations
The policies are versatile and can cover various types of assets, ensuring complete protection for your investment:
Buildings: The structure, including plinth, foundation, and boundary walls.
Plant & Machinery: Manufacturing equipment, industrial apparatus, and their foundations.
Stocks/Inventory: Raw materials, finished goods, and goods-in-process.
Other Contents: Furniture, fixtures, fittings, electrical installations, and household goods.
For a slight extra premium, you can significantly enhance your policy's protection with riders such as:
Loss of Rent/Alternative Accommodation: Covers loss of rental income or the cost of temporary accommodation following a covered loss.
Terrorism Cover: Protection against loss or damage caused by an act of terrorism.
Architects, Surveyors, and Consulting Engineers' Fees: Covers professional fees necessarily incurred for reinstatement following a loss.
Debris Removal: Covers the cost of clearing the site of the insured property following damage by an insured peril.
Fire Loss of Profit (FLOP): A specialized cover for businesses, which compensates for the loss of profits due to business interruption caused by an insured peril.
This strong line of fire insurance products ensures that in the event of a disaster, United India helps you rebuild and resume operations with minimal financial strain.
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