This policy provides cover against loss or damage by fire. A policy on buildings can be arranged to include Landlord’s fixtures and fittings and contents such as computers, air conditioners, etc. The risks covered in the standard form are;

• Fire
• Lighting
• Explosion (of gas in premises not forming part of any gas works, of gas used for domestic purposes and heating)
• Collapse of the building or part thereof (compulsory by legislation) now in Ghana
• ALLIED PERILS: Impact damage, aircraft /articles dropped there from, storm, hurricane, typhoon, bursting or overflowing of water pipes, utensils and apparatus, flood, earthquake and volcanic eruption, riot and strike, malicious damage (Extraneous perils).