Fire insurance for factories and businesses
Understand fire and property insurance for factories, warehouses, offices and stock—including insured perils, valuation, exclusions and claim preparation.
Start with the business behind the policy
A fire policy is the foundation of many business insurance programmes, but the word “fire” can be misleading. The actual protection depends on the selected policy wording, insured perils, declared locations, sums insured, deductibles, warranties and add-ons.
Umber helps businesses describe their occupancy correctly, value buildings, plant and stock sensibly, compare insurer terms and prepare a coherent claim trail.
Who should review this cover
- Factories and manufacturing units
- Warehouses and stockists
- Offices, shops and institutions
- Property owners and tenants
- Hotels, hospitals and schools
- Businesses with multiple premises
What the cover may include
Use this as a starting point. The selected policy wording and your declared circumstances determine what is covered.
- Buildings and civil works where declared
- Plant, machinery and electrical installations
- Furniture, fixtures and office equipment
- Raw materials, work in progress and finished stock
- Specified perils under the chosen wording
- Business interruption when separately arranged
The details worth a closer look
- 01
Underinsurance and average-clause exposure
- 02
Property or stock omitted from the schedule
- 03
Basement, open-storage or off-site limitations
- 04
Excesses and catastrophe deductibles
- 05
Process-specific warranties and protections
- 06
Consequential loss not covered by property insurance alone
When you need support
- Confirm immediate safety and loss-mitigation steps
- Notify the insurer and coordinate survey access
- Build stock, asset and reinstatement evidence
- Track queries, estimates and claim submissions
Your questions,
answered clearly.
A question is
a good place to start.
Tell us what you’d like to review. We’ll help you work through the next step.
General information only. Cover is subject to the selected policy wording, disclosures, underwriting, exclusions, warranties and deductibles.