governmental action
A fire Insurance Policy is Fire Insurance for the covered property indicated on the policy.
Fire and lightning
endorsements are simple exclusions arent.
Fire.
Following What?
fire only
An all risk policy is actually what most standard homeowners policies are and it does not mean "literally" all risks are insured. These are polices that are written not with named perils but they would cover any loss unless it meets one of the exclusions. There will be many exclusions and conditions so read your policy well.
distinguish between a "standard" commercial risk and a "non standard" commercial risk in a fire policy
New York
There are normally a number of exclusions on a health insurance policy. These exclusions can include some cosmetic surgery procedures and one is advised to examine all policy documents very closely.
Standard fire policy, is the insurance cover against perils such as fire, lightining, domestic explosion of boiler or gases. Underwritting for this policy, will involve examining exposure of fire risks at the building, for fire risks that may be caused by explosion, if there sources of explosion within the building or at nearby building. Also, when underwritting for this policy, the nature of construction will be determined, materials used in construction if are fire resistant. Another important consideration, is the use of the building is, the uses of the building indicated types of exposure of fire may be possible at the location.
Just depends on the policy type, language and exclusions on your policy. Your Insurance Agent will be the best source for answers to coverage questions on your policy.