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Fire insurance

Fires are devastating, so make sure you have our fire insurance for your business

In a nutshell

A fire can lay waste to a business of any size. The smoke and flames, and the water and foam that are used to extinguish fires, can damage the assets of your business, as well as the building and its contents. King Price's fire insurance offers comprehensive cover for the financial loss that your business may suffer after a fire.

  • Architects and other professional fees.
  • Automatic reinstatement.
  • Capital additions.
  • Demolition and clearing costs.
  • Disposal of salvage.
  • Earthquake.
  • Fire extinguishing charges.
  • Labourers, contractors and employees.
  • Limitations: Money and stamps (up to R5,000), documents, manuscripts, plans, business books, designs, patterns, models and moulds, computer systems records and media.
  • Mortgagees' interests.
  • Municipal plans scrutiny fees.
  • Power surges and lightning strikes.
  • Prevention of access.
  • Property removed temporarily.
  • Public authorities' requirements.
  • Public supply connections.
  • Railway and other subrogation clause.
  • Rent and alternative premises.
  • Reinstatements and replacements.
  • Security costs.
  • Tenants' clause.
  • Motor loads.
  • Water heating and pipes.

Loss or damage to property due to or caused by

  • Exposure to heating, drying or water processes.
  • A tsunami or tidal wave because of an earthquake.
  • The underground workings of a mine.
  • Goods left in the open (unless the goods are designed for such use).
  • Structures that aren't completely roofed (unless otherwise stated on your policy schedule).
  • Volume changes in clay-based soil or rock.
  • Defects in design or construction or absence of approval from the relevant local authorities.
  • Retaining walls, drains or a constructed water course.
  • Where demolition cover doesn't cover the costs or expenses incurred in removing debris.
  • Property insured by any marine policy.
  • Escalation.
  • Leakage: First loss basis.
  • Leakage: Full value.
  • Malicious damage.
  • Riots and strikes.
  • Subsidence and landslip.

Why choose King Price

Best for your business and best for brokers

Proactive claims service

We have a team of claims specialists at your disposal, every step of the way. Our teams for underwriting, new business and claims are dedicated to delivering royal service to give you peace of mind cover. We keep you up to date and in the loop during the entire process.

Competitive premiums

Price is king, bottom line. And in business we understand that this is extra important. We also understand that your company is unique. You deserve the best possible premium with absolutely no compromise on the cover given... Same insurance cover, just cheaper.


Your business isn’t just a number. That's why our royal family aims to build a personal relationship with you. We do this by staying focused and showing real passion and enthusiasm in our business with you, your clients and the industry. This allows us to build a culture of promise, royal service and affordable cover.

Strong relationships

Your business is our business, and that's why we offer more than just insurance. We take your side and our partnerships very seriously. We believe in building an open, clear and honest relationship that enables the development of successful collaboration with our kingly clients.


As 1 of the fastest growing independent insurers, King Price has all the right connections to keep you connected to success. We're supported by the big guys, in the form of incredible investors and a staunch reinsurer. And, we always aim to deliver the best service to everyone… The big guys, the little guys, and you.

Rapid response

Time is money, and making money is your business. That's why King Price offers royal service in the blink of an eye. We service your needs with the right team, expertise and understanding… Without compromising on quality or value. As part of our family, you'll have royal service at your beck-and-call.

Get the cover your business deserves. Leave your name and number at the top of the page and 1 of our kingsmen will call you back as soon as you're available. You can also talk to your broker about getting cover that suits your business best.