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Fire, Perils and Industrial Special Risks Insurance

Safeguard your business assets from unforseen events such as fire or explosion. 

What does fire & extraneous perils insurance cover?

Fire & extraneous perils insurance covers loss, destruction, damage and/or consequential loss caused from the following:

Insured perils

  • Fire
  • Lightning, thunderbolt or meteorite
  • Explosion or implosion
  • Impact by vehicles
  • Earthquake, subterranean fire or volcanic eruption
  • Aircraft
  • Riots, strikes and malicious damage
  • Smoke
  • Storm and/or tempest and/or rainwater
  • Water or any substance discharged or overflowing

Accidental breakage of glass

  • Glass means all internal and external glass, illuminated signs, wash basins, sinks, toilet bowls and cisterns forming part of the premises.


  • Burglary (including damage to the property insured occasioned by or happening through such burglary) being:
  • Theft consequent upon actual forcible and violent entry upon the premises and/or out buildings or any attempted theft.


Damage to money (as defined) arising from any cause except the following:

  • Damage by or through the fraudulent embezzlement by or the fraudulent misappropriation by the insured or any person or persons in the service of the insured;
  • Damage to money while being carried by professional money carriers, professional carriers or common carriers;
  • Where stolen from any unlocked and unattended vehicle;
  • Where the loss is not discovered within five (5) working days of the loss occurring;
  • Where stolen from a safe or strongroom opened by a key or by use of details of a combination, either of which has been left at the situation, outside the insured's business hours.

Public and product liability cover - separate from your building operations

  • Machinery breakdown
  • Computer and electronic equipment
  • Fidelity guarantee
  • General property
  • Transit of goods and materials
1800 762 852