Assets All Risks (Fire) Insurance Calculator — Ghana
Add your assets, enter each value and get an instant premium calculation. No sign-up required.
Add your assets, enter values and calculate.
Assets All Risks Insurance in Ghana — How It Works
Add as many asset items as needed — buildings, stock, machinery, equipment — and the calculator sums them all into one premium.
How Premium Is Built
Total SI × 0.45% = Gross Premium → minus discount → Net Premium → +1% Fire Levy → Sub-Total → +20% VAT = Total Due.
Available Discounts
FEA (fire extinguishers) saves 5%. Hydrant Allowance saves 7.5%. Long-Term Agreement (LTA) for multi-year policies saves 10%.
Scope of Cover — What AAR Insurance Protects
Assets Covered
- Buildings & structures
- Contents & fixtures
- Stock & merchandise
- Plant & machinery
- Electronic equipment & computers
Perils Covered
- Fire & explosion
- Lightning
- Flood & storm damage
- Burglary & theft
- Accidental damage
- Impact damage
- Riots & civil commotion
Who Needs It
- Offices and commercial properties
- Retail shops and supermarkets
- Warehouses and logistics companies
- Schools, hospitals and clinics
- Hotels and hospitality businesses
- Manufacturing and industrial firms
Cover applies on an all-risks basis — any sudden, accidental physical loss unless specifically excluded.