APA Insurance
A confident property owner in front of a commercial building with fire safety elements, mosaic illustrating APA Fire and Perils Insurance

Solutions > Insure > Business > Protect Your Business > Fire & Perils

Safeguard YourBuildings & ContentsAgainst Fire & Perils

Fire & Lightning Cover

Protection for buildings and contents

Special Perils Extensions

Flood, storm, earthquake and more

Get Your Property Quote

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.
A confident business owner in front of their commercial building, protected by APA Fire and Perils Insurance
Get a quoteBuy Insurance Now

What is Covered and Not Covered Under Fire & Perils?

Fire & Perils is the cornerstone of commercial property protection — covering fire, lightning and explosion, with extensive buy-back perils. Toggle between the categories below to explore your cover.

1

Fire

Loss of or damage to your buildings and contents caused by fire.

2

Lightning

Damage caused by lightning strikes to your insured property.

3

Limited Explosion

Loss or damage from limited explosion as defined in the policy wording.

4

Buildings & Contents

Indemnity against destruction or damage to commercial buildings and their contents.

5

Base Commercial Cover

The foundation cover on which burglary, money and other accommodation classes are built.

6

Flexible Sum Insured

Rated on the sum insured / value at risk, with loadings for extra perils.

Talk to a Business Advisor

Buy through any APA branch or intermediary. Find the nearest office to protect your property.

Eligibility & Requirements for Fire & Perils

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?

1

Complete the Fire & Perils proposal form with sums insured for buildings and contents.

2

Provide details of construction, occupation, processes and fire protection.

3

Buy through an APA branch or intermediary (call 0709 912 777 or email info@apainsurance.org).

4

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.

View All Resources

Claim Form

PDF • 1.1 MB

Terms & Conditions

PDF • 1.8 MB

Bima Bamba Insurance Brochure

PDF • 2.4 MB

Real Stories from Customers Who Trust Our Coverage

Learn why professionals trust our solutions to complete better customer journeys.

View all Stories

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.

APA, Insuring Happiness

You're just one step away

Get your quote now and protect what matters most.

Get a quote

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.

DOWNLOAD ON THEApp StoreGET IT ONGoogle Play

APA, Insuring Happiness

What would you like to protect?

+

Health Insurance

Your Health, Our Priority

+

Motor Insurance

Drive Safely

+

Life Insurance

Enjoy every moment

“The easiest way to manage my cover.”

— Sarah K., Nairobi