Fire & Engineering
A robust shield against fire, natural disasters and the unforeseen setbacks that can halt a project.
Our Fire and Engineering insurance solutions stand as a robust shield against the unpredictable challenges that properties and businesses face. Tailored for both residential and commercial clients, these policies go beyond traditional cover to offer a comprehensive approach to risk management.
Whether it is protecting your property against the devastating effects of fire, lightning, explosion, storm and flood, or securing your engineering and construction projects against unforeseen setbacks, we structure cover that is designed to mitigate risk and ensure continuity. For businesses, we pay particular attention to business interruption cover, which replaces lost income and pays ongoing costs while damaged premises are being restored.
Getting the sum insured right is critical. Under-insured property can lead to reduced payouts at claim time, so we work with you to establish realistic replacement values, identify the perils that actually threaten your premises, and recommend sensible risk-improvement measures that can also help keep your premium competitive.
What we can arrange
Cover options at a glance.
Exact terms, limits and exclusions vary between insurers. We’ll walk you through the details of every option before you decide.
Fire & allied perils
Fire, lightning and explosion, with extensions for storm, flood, earthquake, burst pipes and malicious damage.
Business interruption
Loss of gross profit and increased cost of working following insured damage to your premises.
Contractors’ all risks
Cover for construction works, materials and third-party liability throughout a building project.
Erection all risks
Protection for machinery and plant while it is being installed, tested and commissioned.
Machinery breakdown
Sudden and unforeseen mechanical or electrical breakdown of plant and equipment.
Electronic equipment
Computers, servers and specialist electronic equipment against accidental loss or damage.
Why Symmetric
More than a policy. A partner for the life of your cover.
We compare the market
Your requirements go to insurers whose appetite and capability fit — and we negotiate on premium, excess and terms.
We explain it plainly
No jargon, no hidden clauses. You’ll know exactly what is covered, what isn’t, and what to do if something happens.
We stand by you at claims
From the first call to final settlement, we manage the insurer on your behalf and push for a fair outcome.
Often arranged together
All servicesProperty Insurance
Cover for homes, household contents and offices, including fire and business interruption.
Learn moreBonds & Guarantees
Bid bonds, performance guarantees and other surety instruments for contractors and suppliers.
Learn moreRisk Management
Risk advisory and on-site risk surveys that reduce losses before they happen.
Learn more