Fire & Special Perils
Protection Against Fire and Natural Disasters
Fires, floods, storms, and explosions can destroy years of investment in minutes. Our fire and special perils insurance ensures you can rebuild.
Guard Against Ghana's Most Common Property Risks
Fire outbreaks at markets like Kantamanto, Makola, and Kejetia are a painful reminder of how quickly livelihoods can be wiped out. Seasonal flooding in parts of Accra, Kumasi, and other cities causes millions of cedis in damage every year. Fire and special perils insurance is the foundation of any property protection programme.
This policy covers your building and contents against fire, lightning, explosion, and a range of "special perils" including storm, flood, earthquake, riot, and malicious damage. It is the most widely held commercial property policy in Ghana and is often required by banks as a condition for mortgage or loan facilities.
At Asanti Brokers, we go beyond just placing the policy. We help you get a proper valuation of your property, advise on the right sum insured, and ensure your policy includes the special perils extensions that are relevant to your location and risk profile. When you need to claim, we manage the entire process on your behalf.
What's Covered
Fire damage to building and contents
Lightning strike damage
Explosion and gas-related incidents
Storm and tempest damage
Flood and water damage cover
Earthquake and earth tremor protection
Damage by aircraft or vehicles
Riot, strike, and malicious damage
Bush fire and wildfire cover
Consequential loss and business interruption
Who Needs This?
Owners of residential properties in flood-prone areas of Accra and other cities
Businesses operating in markets, industrial zones, and commercial districts
Warehouse and factory owners storing flammable or high-value goods
Banks and financial institutions requiring collateral protection on mortgaged properties
Schools, churches, and other institutions with significant building assets
Why Choose Asanti Brokers?
We ensure your property is valued correctly to prevent under-insurance at claims time
Access to special perils extensions that many basic policies exclude
Experienced claims team that works with loss adjusters to settle claims fast
Risk assessment and fire prevention advice to help reduce your premium
Our Insurance Partners
We Compare Quotes From Ghana's Top Insurers
As an independent broker, we are not tied to one company. We shop the market on your behalf to find the best rates and cover.
Get a Free Fire Insurance Quote
Protect your property against fire and special perils. Share your property details and we will find the best cover for you.