It offers a basic coverage (a prorate) including
Material Damages:- Buildings and construction sites.
- General Content (machinery, facilities, merchandise, supplies other effects and improvements).
With this coverage you are protected against damages, losses and sudden and accidental destructions and unforeseen events which could damage tangible goods.
Interruption of operation (loss of benefits):In case of material damages included in the policy, this coverage restores the benefit loss caused by the interruption of the business exploitation of your company.
Insured GoodsThis insurance allows you to protect the following goods:
- Buildings and construction sites
- General content.
- Machinery.
- Facilities.
- Merchandise.
- Supplies that are part of the elaboration process of products.
- Other effects (implements, tools, spare parts and accessories).
- Improvements (modifications or annexes definitely attached to building or construction).
The following items can also be granted as a sub-limit to the first absolute loss:
For the coverage of material damages:- Civil liability as a consequence of fire and/or explosion.
- Hailstone.
- Robbery of general content and merchandises.
- Robbery of diverse object.
- Machinery break.
- Electronic devices.
- Spontaneous combustion.
- Extraordinary expenses.
- Lack of cold / cold storage.
- Debris removal.
- Professional fees.
- Fire extinction expenses.
- Non application of underinsurance.
- Crystals.
- Fall of stowage and/or gondolas.
- Damage caused by water and flood.
- Repairs and/or extensions.
- Unnamed locations.
- Team of contractors.
- Loss of rents and/or maintenance fees.
- New acquired properties.
This list is indicative and non-limiting, and it can be adapted to the needs of each risk to be covered.
For coverage of Interruption of operation (loss of benefits): - Interruption of access.
- Interdependence.
- Extension to customers and suppliers