Provides cover for damage or destruction by Fire, lightning or explosion

Fire & Perils Insurance

Fire Insurance Cover in Kenya

Fire and Perils Insurance policy will provide cover for damage or destruction to insured property by Fire, lightning or explosion of domestic appliances.

The Fire & perils is an extension of the basic cover and will extend to include the following additional covers:- Riot & strike, malicious damage, explosion, special perils, earthquake & bush fire

Fire arises from various insured perils and causes damage to assets. The fire policy issued by GA covers fire damage brought about by perils of nature such as earthquake, floods, storm, tempest and lightening to name but a few.
Covered social perils including riot, strike civil commotion and malicious damage such as arson. Other causes of fire are electrical faults, and explosion. Property may suffer loss from aerial falling objects such aircraft.
The policy is suitable to cover business assets such as buildings, stocks in trade, work in progress, contents, plant and machinery.
Fire is indiscriminate and devours anything in its path once it starts and hence the sum insured has to be appropriate and commensurate with the risk that the insured is exposed to


  • Duly completed proposal form
  •  The value of property (Buildings, contents like furniture, stocks etc)
  • The nature of business / occupancy of the building
  • The nature of construction.
  • Location of the premises
  • State of housekeeping
  • Fire Fighting appliances available.
  • Professional valuation of buildings & machinery

Ready to start?

Download form

Downloading the application form, then fill it out, and present it to your nearest GA Insurance office, together with the required documents.