Fire &
Special Perils

Fire & Special Perils

Protecting your property against fire, lightning, explosions, and unforeseen natural disasters with robust coverage. Secure your home or business assets from catastrophic financial losses.

Service Details

Total Protection for Your Property

Our Fire & Special Perils policy is issued to cover both private and business premises, including their contents, against loss or damage caused by fire and lightning.

This policy provides broad protection across various assets, including:

  • Stock and inventory
  • Plant and machinery
  • Fences and boundary structures
  • Loss of rent
  • Goods held in trust

Special Perils Included: Beyond fire and lightning, the policy also protects against storm, flood, riot, aircraft impact, and other impactful damages.

Why choose our Fire Insurance?

  • Comprehensive payout for property damage caused by fire or lightning
  • Coverage against special extended perils like storms, floods, and earthquakes
  • Protection for building structures and internal inventory
  • Reimbursement for alternative accommodation or loss of rent
  • Expert risk assessment and swift claims processing

Documents Needed for Processing

  • Property Title Deed or Tenancy Agreement
  • Comprehensive Inventory List of insured assets
  • Structural Assessment or Valuation Report
  • Valid National Identity of the Property Owner/Business
  • Completed Fire Insurance Proposal Form

Frequently Asked Questions

Special Perils refer to specific non-fire related damages that can be added to your policy, such as destruction caused by riots, strikes, malicious damage, earthquakes, and floodings.

Yes, a standard fire policy covers the building structure, but we can extend the coverage to actively insure all requested internal inventory, furniture, and fittings.
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Headquarters

18/20 Walpole Street, Freetown

+232 31 523655
Bo Branch

12 Bojon Street, Bo

+232 31 616929
Kenema Branch

3 Damba Road, Kenema

+232 31 616930
Kono Branch

6 Suku Tamba Street, Kono

+232 31 161932
Makeni Branch

St. Lawrence Building, Azzolini Highway, Makeni

+232 31 161931
NIC

National Insurance Company Sierra Leone

Contact Us

+232 31 523655

info@nic.gov.sl

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