Is it permissible to accept compensation from the insurance company for a commercial shop fire after it became clear that the cause of the fire was not an electrical spark, as declared to the insurer, but rather the negligence of the guard?

Commercial insurance is forbidden and void due to gharar (excessive uncertainty) and maysir (gambling). The insured must refrain from it, and is permitted to benefit only from the installments he has paid. As for cooperative insurance, it is permissible to benefit from the full amount if the contract covers the cause of the fire; otherwise, the excess must be returned, in accordance with the Almighty’s saying: "O you who have believed, fulfill [your] contracts."