Shops and retail spaces
Review building, fixtures, stock and other property interests where eligible.
Property • Premises • Preparedness
Protect Your Property. Prepare for Unexpected Risks.
Explore property and fire-risk considerations for shops, offices, warehouses and other eligible premises.
Enquire About Fire Insurance Property details Policy wording
Fire and property risk
Understand the risks before choosing protection.
Fire insurance is intended to cover specified loss or damage to insured property arising from events described in the policy. The actual cover depends on the contract, insured property, exclusions, endorsements, deductibles and declared sum insured.
For businesses, reviewing property insurance can be one part of a broader risk-management and business-continuity plan. It does not remove the need for prevention and safe operating procedures.
Start with the property schedule
List what needs to be insured and verify how its value is assessed.
What to prepareWho may need to review cover?
Property types and business settings
Eligibility and insurability depend on the insurer's underwriting rules and the specific policy.
Office premises
Consider fit-outs, equipment and the insured interest in the premises.
Warehouses
Review stored goods, construction, fire safeguards and stock values.
Manufacturing facilities
Discuss machinery, stock, process risks and any relevant endorsements.
Commercial property owners
Clarify ownership or insurable interest and what property is included.
Other eligible properties
Ask the insurer to assess the exact use, construction and risk characteristics.
Coverage concepts
Know what the policy schedule means
Insured property
Identify the building, contents, stock or other items described in the schedule.
Sum insured
Understand the declared value basis and whether it reflects the relevant reinstatement or other valuation approach.
Covered events
Check which perils are named and any conditions, warranties or endorsements that apply.
Exclusions and excess
Review excluded causes, deductibles and conditions that may affect a claim.
Claim evidence
Keep records and follow insurer instructions for reporting, survey and documentation.
The actual scope of fire/property coverage depends on the applicable policy wording,
schedule and endorsements. The exact current product offering must be confirmed with The Oriental Insurance
Company through official channels.
Prepare before you enquire
Information that may help the review
- Property address, use and construction details
- Ownership or other insurable-interest documents
- Valuation and sum-insured information
- Relevant photographs, inventories or records if requested
- Fire-safety information and other documents required by the insurer
Property detailsUse, structure and
location
Valuation informationDeclared values and
inventory
Risk safeguardsAvailable safety measures and
records
Enquiry pathway
From property details to policy review
Describe the premises
Share the property type, use, location and what you want to protect.
Gather relevant records
Prepare values, ownership or insurable-interest details and supporting information.
Review the terms
Check covered events, exclusions, deductibles, conditions and sum insured.
Follow the insurer's process
Provide requested information and proceed through official underwriting channels.
Products & Services
Protection for the things that matter
Explore the five insurance categories below. Product availability, terms and eligibility must be confirmed with the relevant insurer.
LIC — Life Insurance
Explore life insurance options to help plan for your family’s financial protection and long-term responsibilities.
Learn More
Star Health Insurance — Medical
Explore health insurance information and understand how eligible medical expenses may be covered under a selected policy.
Learn More
Galaxy Health Insurance — Medical
Learn about medical protection considerations and the questions to ask when reviewing health cover options.
Learn More
The Oriental Insurance Co. — Vehicle Insurance
Explore vehicle insurance considerations, including third-party liability and optional own-damage protection where applicable.
Learn MoreEnquiry form
How can we help?
Discuss Your Property Protection Requirements With Us.
Prepare your property details and review policy terms with the insurer before deciding.