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Fire
Loss of or damage to your buildings and contents caused by fire.
Solutions > Fire & Peril
Safeguard Your Buildings & Contents Against Fire & Perils
Fire & Perils Insurance provides indemnity against loss of or damage to buildings and contents caused by fire, lightning and limited explosion, and can be extended to special perils such as earthquake, storm, tempest, flood, riot, strike, m
Fire & Lightning Cover
Protection for buildings and contents
Special Perils Extensions
Flood, storm, earthquake and more
What is Fire & Perils Insurance?
Fire & Perils Insurance provides indemnity against loss of or damage to buildings and contents caused by fire, lightning and limited explosion, and can be extended to special perils such as earthquake, storm, tempest, flood, riot, strike, malicious damage, impact and bush fire. It is the base policy on which most commercial covers are built — supporting burglary, money and other accommodation classes.
Highlights
- Indemnifies your buildings and contents against fire, lightning and limited explosion.
- Extendable to special perils such as flood, storm, earthquake, riot and malicious damage.
- The base policy on which burglary, money and other accommodation covers are built.
- Flexible reinstatement-value options with extensive buy-back perils.
What is Covered and Not Covered Under Fire & Peril?
Toggle between the categories below to understand the comprehensive scope of our cover details.
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Lightning
Damage caused by lightning strikes to your insured property.
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Limited Explosion
Loss or damage from limited explosion as defined in the policy wording.
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Buildings & Contents
Indemnity against destruction or damage to commercial buildings and their contents.
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Base Commercial Cover
The foundation cover on which burglary, money and other accommodation classes are built.
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Flexible Sum Insured
Rated on the sum insured / value at risk, with loadings for extra perils.
Eligibility & Documentation
Eligibility Criteria
Specifications
Who Qualifies
Owners and occupiers of commercial and industrial buildings and their contents.
Documents
Completed proposal form with sums insured for buildings and contents.
Property Details
Details of construction, occupation, processes and fire protection measures.
Cover Basis
Reinstatement-value basis is recommended to avoid the 85% average clause.
How to Buy APA Fire & Perils Insurance?
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Complete the Fire & Perils proposal form with sums insured for buildings and contents.
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Provide details of construction, occupation, processes and fire protection.
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Buy through an APA branch or intermediary (call 0709 912 777 or email info@apainsurance.org).
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Receive your policy — the foundation for your commercial insurance programme.
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 and contents caused by fire, lightning and limited explosion, extendable to special perils such as flood, storm, earthquake, riot and malicious damage.
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Your Health, Our Priority
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“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
