Fire and allied perils insurance
Fire insurance covers damage to buildings, contents and stock caused by fire, lightning and explosion, and can be extended to allied perils such as storm, flood, water damage and riot. It suits shops, warehouses, factories and leased properties in Qatar that want clear basic cover against named perils. At Al Bayan we request offers from several insurers licensed by Qatar Central Bank, explain which perils are and are not included, arrange the policy and follow up claims with the insurer.
In QatarHeavy rain is rare in Qatar but has flooded streets and buildings before, so consider adding storm and flood to your fire policy.
- Offers from several licensed insurers, clearly explained
- We help choose the allied perils your site needs
- Cover for buildings, fit-out, contents and stock
- We follow the claim with the insurer and adjuster
Cover at a glance
- Fire and lightning
- Explosion or implosion, including gas explosion (policy dependent)
- Storm, hurricane, rain and flood (allied peril)
- Water damage from burst or overflowing tanks, pipes and apparatus, and sprinkler leakage (allied peril)
- Riot, strike and malicious damage (allied peril)
- Impact by vehicles or falling aircraft (allied peril)
- Earthquake (allied peril)
- Robbery and theft with violent or forcible entry or exit (allied peril, policy dependent)
Cover
What is covered
- Fire and lightning
- Explosion or implosion, including gas explosion (policy dependent)
- Storm, hurricane, rain and flood (allied peril)
- Water damage from burst or overflowing tanks, pipes and apparatus, and sprinkler leakage (allied peril)
- Riot, strike and malicious damage (allied peril)
- Impact by vehicles or falling aircraft (allied peril)
- Earthquake (allied peril)
- Robbery and theft with violent or forcible entry or exit (allied peril, policy dependent)
What is not covered
- Theft without force, and robbery and forcible theft unless added to the policy or covered by a separate burglary policy
- Perils not named in the policy schedule
- Spontaneous combustion or fermentation of goods (unless added)
- Electrical damage to an appliance itself if fire does not spread
- War and terrorism unless added
For information only. Final terms and conditions are set by the policy document issued by the insurer.
How to make a claim
Documents you'll need for each type of claim:
Fire or explosion
- Policy number or a copy of the policy
- Copy of the company's commercial registration (CR)
- Civil Defence report on the fire
- Clear photos of the damage
- List of lost or damaged items with estimated values
Storm or water damage
- Policy number or a copy of the policy
- Clear photos of the damage
- Technician's report on the cause of the damage
- Invoices or repair estimates
Need to make a claim?
Frequently asked questions
How is fire insurance different from property all risks?
Fire insurance covers only the perils named in the policy. All risks covers any sudden physical damage unless excluded, so it is wider. We explain both options for your business.
Does a fire policy include rain and flood?
Not always. Storm, flood and water damage are allied perils added to the policy on request, so we make sure they are included if you need them.
What should I do after a fire?
Call emergency services on 999 first, then tell us as soon as possible. Photograph and keep the damaged items, and do not throw anything away before the insurer's surveyor inspects.
Does the policy cover stock whose value changes?
Yes, if its value is stated in the policy. Because stock levels change during the year, some policies let you declare the value periodically (policy dependent).