Door, tested and rates for resistance to various degrees of Fire, that prevents the spread of Fire through horizontal and vertical openings. Fire doors must remain closed under normal conditions or be designed to close automatically in the presence of Fire.

Device which extinguishes flame. Fire extinguishers may contain liquid, dry chemicals, or gases (carbon dioxide or others). They are tested and rated to indicate their ability to handle specific classes and sizes of Fires. as follows: Class A Extinguishers : For ordinary combustibles, such as wood, paper and textiles, where a quenching/cooling effect is required. Class B Extinguishers : For a flammable liquid and gas Fires, such as oil, gasoline, paint and grease, where oxygen exclusion or a flame interruption effect is essential. Class C Extinguishers : For Fires involving energized electrical wiring and equipment, where the non-conductivity of the extinguishing Agent is of prime importance. Class D Extinguishers : For Fires in combustible metals such as magnesium, potassium, powdered aluminum, zinc, sodium, titanium, zirconium and lithium.Fire Insurance : Mid-Term Cover : Generally not permissible for STFI and/or RSMTD perils. If allowed it is subject to insurers must receive specific advice along with required additional premium in cash or by draft. Mid-term cover to apply for entire property at one complex/compound/location. Cover shall commence 15 days after the receipt of the premium at applicable short period scale on full sum insured at one complex/compound/location.

The discounts may be granted for Fire Extinguishing Appliances if the system is erected and tested as per the relevant Regulations and a Certificate from LPA or TAC(IRDA) accredited professional agency(ies) confirming the efficacy of the systems and its full compliance is submitted.

Fires on board ship usually are caused by spontaneous combustion of cargoes or by the easily susceptibility of flammable soap/cosmetics et. Some fruits interact by odor or can be tainted by odor of oil. Tobacco, cigars, cigarettes, tea, coffee dairy products are all highly sensitive to taint.

Coverage for loss of or damage to a building and/or contents due to fire.
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US: Coverage for losses caused by fire and lightning, plus resultant damage caused by smoke and water.
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MEDICAL,USA: Insurance coverage that protects property against loss caused by fire and lightning.
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Mid-Term Revision in sum insured : Increase on pro-rata basis. Decrease in sum insured on short period scale basis.
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Term used to cover not only insurance against fire but the insurance of additional perils such as Riot, Strike, Malicious Damage, Explosion and Act of God Perils

Section 26 (A) of the Insurance Act, 1938, defines “Fire Insurance Business” as “the business of effecting, otherwise than incidental to some other class of Insurance business, contracts of Insurance against loss by or incidental to Fire or other occurrence customarily included among the risks insured against in Fire Insurance policies.”

Insurance against pecuniary loss consequent upon a fire or other perils commonly covered by a fire insurance policy.

An insurance policy which protects the insured against liability incurred when his negligent actions result in the destruction of property which is in his care, custody or control.
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US: Liability of a firm or person for fire damage caused by negligence of and damage to property of others.
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Property in the care, custody, or control of an insured is normally not covered under liability insurance policies. Fire legal liability removes this exclusion for those who occupy leased or rented property.For example, if a restaurant rents a space in a strip shopping center and, due to the negligence of the restaurant a fire starts and destroys the shopping center, the restaurant’s general liability policy will pay for all of the damage except to the space the restaurant occupied. This is because this space is under the insured’s care, custody, and control.

If the restaurant purchased fire legal liability, the damage to the space the restaurant occupied is also covered. Most renters’ policies for individuals include fire legal liability. Businesses that rent space may need to add the coverage. (See Care, Custody, and Control Exclusion).
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Public liability policies routinely exclude coverage for damage to property in an insured’s care, custody, or control. This leaves a big gap in a tenant’s coverage, a gap partially filled by an exception in the commercial general liability policy that restores limited coverage for fire damage to the landlord’s building. Perhaps the best benefit of the exception is to call attention to the exposure so arrangements can be made for broader coverage at appropriate limits. Sometimes referred to as fire damage legal liability.

A policy that covers the insured in case of liability due to negligence that causes fire to spread to another’s property.