1
Fire & Lightning
Loss or damage directly caused by combustion, ignition, and lightning strikes to buildings and contents.
Solutions > Fire & Allied Perils
Safeguard Your Property Against Fire & Allied Perils
Fire can wipe out years of investment in minutes. The APA Fire & Allied Perils Insurance policy is the cornerstone of a sound business insurance programme, suitable for owners of property or those holding property in trust. It indemnifies i
Broad Property Protection
Safeguards buildings, plant, stock, and contents against fire, lightning, explosions, and storms
Optional Consequential Loss
Add-on protection to replace lost business profits, rental income, and salaries following a fire
What is Fires' Allied Perils Insurance?
Fire can wipe out years of investment in minutes. The APA Fire & Allied Perils Insurance policy is the cornerstone of a sound business insurance programme, suitable for owners of property or those holding property in trust. It indemnifies immovable and movable property at a particular premises — buildings, plant and machinery, furniture, fixtures and fittings, and stock (raw materials, finished and semi-finished goods) — against physical loss or damage by fire, lightning, explosion, and a wide range of allied natural and man-made perils.
Highlights
- Indemnifies buildings, machinery, and stock against fire losses.
- Covers natural perils including storm, flood, and earthquakes.
- Protects against strikes, civil commotion, and malicious damage.
- Includes optional consequential business interruption income cover.
- Underwritten by APA Insurance (Uganda) Ltd and regulated by the IRA.
What is Covered and Not Covered Under Fire & Allied Perils?
Toggle between the categories below to understand the comprehensive scope of our cover details.
2
Explosions & Gas Bursts
Covers physical damages resulting from chemical or gas cylinder explosions on the premises.
3
Earthquakes & Volcanoes
Protects properties against damage caused by earthquakes, volcanic eruptions, or underground bush fires.
4
Windstorm, Flood & Water
Protects structures and stock against torrential rain, windstorms, heavy hail, snow, or localized floods.
5
Aircraft & Aerial Impact
Covers property damage resulting from aircraft or items falling from aerial devices.
6
Vehicle & Animal Impact
Covers structures hit by moving road vehicles, trains, wild or domestic animals, and falling trees.
7
Riot, Strike & Civil Commotion
Covers physical damage to buildings and items arising from strikes, lock-outs, or civil disturbances.
8
Fire Sprinkler Leakage
Covers water damage caused by accidental discharge or leakage from fire-fighting installations/sprinklers.
Eligibility & Documentation
Eligibility Criteria
Specifications
Eligible Parties
Property owners, corporate entities, trustees, and banks with financial property interests in Uganda.
Requirements
Completed fire proposal, sums insured for building/machinery/stock, construction details.
Premium Base
Calculated on sums insured, building construction type, occupancy, and fire setups.
Standard Exclusions
War, terrorism, political riots, wilful burning, money, and digital data records.
How to Buy Fire & Allied Perils Cover?
1
Submit your property category, cover basis, and sum insured values via the quote form.
2
Provide your building construction descriptions, occupancy use, and fire protection setup.
3
Review the detailed premium quotation calculated on your property's construction and risk level.
4
Confirm proposal details, complete premium payment, and secure your property assets.
Everything You Need, All in One Place
Access policy documents, claim forms, renewals, and important resources anytime.
Real Stories from Customers Who Trust Our Coverage
Learn why professionals trust our solutions to complete better customer journeys.
“Support became faster, clearer, and more consistent across every customer touchpoint. It changed how we interact with our clients.”
Nia Afolayan
Customer Expert
Chioma Nwosu
Customer Success
“The onboarding was smooth from day one, and our team saw measurable results quickly. It gave us a much faster customer journey.”
Jordan Mensah
Growth Manager
Daniel Okoro
Founder
“It helped us create a better customer journey without adding complexity for the team, keeping all departments aligned.”
Robert Hayes
Regional Partner
Frequently Asked Questions
Loss of or damage to buildings, plant, stock, and contents by fire, lightning, explosion, and allied perils such as storm, flood, earthquake, impact, and riot/strike.
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
Your Health, Our Priority
+
Motor Insurance
Your Family Awaits, Drive Safely
+
Life Insurance
Enjoy every moment you live
“The easiest way to manage my cover.”
— Sarah K., Nairobi
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
+
Motor Insurance
+
Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
