Fire Insurance
My building has fire safety equipment. Do I still need fire insurance?
Absolutely! Fire extinguishers and alarms reduce risk but can’t eliminate it completely. Fire insurance covers:
- Direct fire damage to building and contents
- Smoke and soot damage (often more expensive than fire damage)
- Water damage from firefighting efforts
- Additional expenses like temporary accommodation
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What's the difference between market value and reinstatement value in fire insurance?
Market value
What you can sell your property for today (includes land value, depreciation)
Reinstatement value
Actual cost to rebuild/replace from scratch (no land value, no depreciation)
Can I insure just my stock/inventory without the building?
Yes! Many business owners need stock-only coverage:
- Traders/retailers: Insure goods in someone else's building
- Warehouse renters: Protect inventory in rented space
- Home-based businesses: Cover business stock separately
You can customize fire insurance to cover exactly what you own.
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We are availing the services of AIMS for our company’s insurance needs and have found their service to be reliable and professional. Their support and responsiveness make them a trusted partner for our insurance requirements.
Maya George
I had a great experience with AIMS. The team was very easy to work with. They gave us all the information we needed to make the right choice for health insurance that suited our needs the most.
Maya Gopi
I had a great experience with the service at AIMS Thrissur branch. I have no words to express my appreciation for the staff at this branch. The entire team operates with professionalism.
Farhan
A very prompt and really helpful broking team. Their Kochi office was very helpful and supportive in all my insurance needs…I strongly recommend their service for any type of insurance needs.
Rithu
While dealing with AIMS Cochin office for the settlement of my claim, i really impressed with the service provided by the team in that office especially the staff Ms Renya who was attending my claim.