Industry

This is an insurance with guarantees “made to measure” for each risk. The only basic guarantees are those of fire and complementary, plus extensive risks. There are products that are segmented by activity, such as Petrol Stations, Workshops, Car Wash, Education, Hotels, Residential homes for the elderly..

BASIC GUARANTEES

Fire, Lightning and Explosion
Guarantees and complementary expenses
Rescue expenses
Clearing up expenses
Replacement of files, deeds, securities
Goods of third parties in possession insured
Temporarily moved property
Foundations
Compensation of capital
Aesthetic damages

Extensive risks

Smoke, vehicle collision. Airplane crash. Sound waves, Vandalistic or malicious acts, Tumultuous acts and strikes. Overflow of molten material, Rain, Wind, Hail, Snow. Flooding. Leakage from automatic fire extinguishing equipment

OPTIONAL GUARANTEES

Water damage
Electrical damage (cover under first risk)

Includes one single value, appliances, electric lines, machinery of the company’s production processes and computer and electronic equipment

Breakage of Glass and signs (cover under first risk)
Theft and Plunder (At total or partial Value (5%, 10%, 15%, 20 %, 25% and 50%) or First risk (specific capital)

The following are included automatically:

Damage by theft to contents (cover under first risk)
Cost of rearranging files (cover under first risk)

Specific cover for:

Cash in and out of till
Transport of funds
Disloyalty of employees

Possibility to exclude from theft Heavy Machinery anchored to the floor

Optional cover to provide against Theft of elements of the contents

* Loss of Profit as a result of accidents covered by basic guarantees (includes Extensive Risks and Water Damage, if included in the policy), in de cover modalities of:

Gross Annual Profit
Annual recurring General Expenses
Compensation per day

* Civil Liability:

Operation

Subsidiary civil liability of subcontractors,
Civil Liability for the use of vehicles by employees,
Civil Liability for damages to vehicles of third parties in parking spaces or garages of the policy holder (in activities other than workshops, parking and hotels)

Optional

Employer
Products and post-works
Objects in custody
Accidental contamination
Lease
Owner of Real Property (incompatible with Operation Civil Liability, as the latter already includes this cover)

Specific covers depending on the activity

Vehicle repair workshops

Civil Liability Post-works
Civil Liability Testers

Specific capitals for vehicles in workshop activities
Laundry and Dry Cleaner companies for Industry and Hotels

Civil Liability for clothing in custody
Civil Liability Cloakrooms (hotels)

Establishments with Car Wash

Civil Liability for damage to vehicles

Extraction companies

Civil Liability for use of explosives

Gas installation companies

Specific Post-works Civil Liability

* Machinery failure (Internal damage)

o Maximum age limit: 10 years (at the time of subscribing the insurance)

o Optional cover at Total Value or under First Risk

* Electronic equipment (Internal damage)

o Maximum age limit: 7 years (at the time of subscribing the insurance)

o Optional cover at Total Value or under First Risk

o The following may also be covered

• Increased operational cost

• External data carriers

Other optional covers

Loss of rent
Loss of Profit contingencies (lack of supply; impaired access; failure of suppliers)
Refrigerated Goods (With optional cover under First Risk or at Total Value; the latter may include floating stock)
Spillage of liquids (With optional cover under First Risk or at Total Value; the latter may include floating stock)
Legal Protection (Limited to companies with an invoicing volumen lower than 3,000,000 €)
Assistance
Segmented offers

Logistical Warehouses (specific covers for: Brand protection, Loss in the acquisition of merchandise due to Exchange rate, Damage to stored merchandise, deficient or inadequate stowage, fall or impact of pallet, fall of shelves)

Residential homes for the elderly (specific covers for: Possessions of residents, Marble, sanitary fittings and glass of ceramic/solar panels, Accidents caused by heat)

Food produce (specific covers for: Accidental damage to the product, Brand protection and control of damaged merchandise, special taxes on alcohol / labels and seals, Products with use-by date, breakage of marketing containers)

Hotels, boarding houses and guesthouses (specific covers for: Possessions of guests in the room, Possessions of guests in de room safe, Breakage of sanitary fittings)

Possibility to include a CCL (contractual compensation limit) for the whole of the guests’ possessions in the room. (On the basis of a schedule or pre-set values)

Education: Specific covers for: Extracurricular expenses; portable computer equipment.

* Petrol stations and garages. Car wash facilities and manual and automatic cleaning equipment.

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Industry