LOIB | Lanka ORIX Insurance Brokers Ltd..

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Fire

This category of Insurance could be divided into the following two areas.

	Private dwelling
	Commercial

Scope of cover

The fire policy covers loss or damage caused by

Fire

Lightning

c)	Explosion of gas (not forming any gas work) used for domestic purposes.

There must be actual ignition (or fire). Therefore, mere heating,
fermentation, scorching or damage by smoke without fire is not
sufficient

Additional Perils

The fire policy could be extended to cover the following additional perils by the payment of an extra premium.

1\|	Riot & Strike
2\|	Terrorism
3\|	Malicious Damage
4\|	Explosion
5\|	Impact Damage
6\|	Cyclone, Storm & Tempest
7\|	Flood
8\|	Electrical Extra
9\|	Aircraft Damage
10\|	Bursting and Overflowing of Water Tanks, Pipes or Apparatus
11\|	Spontaneous Combustion

Engineering Class of Insurance

This area covers Insurance taken against all electronic items and plant and machinery within the premises, including …

1\|	Computer All Risk & Electronic All risk
2\|	Contractor’s All Risk & Erection All Risk
3\|	Erection All Risk
4\|	Plant & Machinery All Risk
5\|	Boiler Insurance
6\|	Hoteliers Combined Insurance
7\|	Banker’s Indemnity
8\|	Machinery Breakdown
9\|	Loss of Profit

Beyond Conventional Insurance Broking

Home Guardian

Office Guardian

Shop Guardian

Travel Guardian

Health Guardian

Motor

Others