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NATURAL PERSON
SUBJECT/ MATTER OF THE INSURANCE: buildings and constructions owned by the insured person in its owner, tenant, superintendent capacity etc.
Insured risks:
-main risks: fire, lightning, explosion, fall of flying objects.
-extented risks: fire, lightning, explosion, fall of flying objects, storm, huricane, gale, tornado, hale – direct effects, vandalism, theft, burglary, terrorism, snow or ice weight, impact of motor vehicles with the insured building, the air born aparatus’shock wave, snow avalanches, accidental fall of foreign bodies, strike, riot and civil commotion, water pipe floods, theft of buildings elements and building’s alteration due to animals.
CATASTROFIC RISKS: earthquake, floods or muds produced by surface waters’ overflow or temporary rains, including snow or ice melting , land collapse and/or slip.
ARTIFICIAL PERSONS
SUBJECT/ MATTER OF THE INSURANCE:
- buildings or any other construction destined to social/economic activity, in their constructing integrity, including foundations, socles, walls, ceilings, roofs, floors, windows, doors, stairs, elevators’ well. Along with the buildings there are considered as part of them the plumbing and heating water pipes (including radiators) from inside the building, the interior sewege pipes, sanitary objects, lightning networks’ conductors and mortar burried plugs, false ceilings and lightning objects such as spots or ceiling lights. They are not considered as part of the building the lightning objects such as: chandelier, electric lamps.
- contents, according to the destination or type of activity developped:
- machinery, outfit, equipments, aggregates, technological facilities, engines, transformers, tools, furniture, command and control apparatus, cranes, ovens (used for burning, melting, baking etc.), local or technological air-conditioning, birotics, storage or sport destined facilities, mobile splitting walls, fire detecting and fire estinghishing equipment or antitheft equipments, technological pipes and electric cables serving machinery, equipment, engines and other; all capital assets and inventory objects;
- circulating assets: warehouse and stores products, raw or semifinished materials, finite products on the fabrication line or inside the warehouses, including their packing, repairing or reprocessing products, recicleble waste, empty packaging (bottles, cans, sacks, bags etc.) and suppliers merchandise.
Those goods, which are not in the Insured property, but received in trust withhold with any other title, are insured only if the Insured person has this written acceptance at the moment of contracting the insurance or as an appendix to the insurance contract.
The Content notion comprises those goods which through their nature are to be found either temporarely or permanently, outside the buildings, under the open sky, as far as they are meant to be used for its activity (agricultural vehicles and machinery, traction equipment, non-registrable transportation vehicles, technological outfit, tanks, fixed weightning systems, raw materials, finite products, or any other goods that according to production standards and usage, are to be deposit under open sky) and to which protection measures, including against theft, are taken.
- additional clause for the elaboration of the project, precincts cleaning up after the damages’ occurence expenses, expenses for the firemen intercession (if the Insured person is enforced by law to its payment); expenses for damages expertise.
INSURED RISKS:
MAIN RISKS:
- fire, including fire insured goods directly damaged; lightning, explosion, fall of flying objects (aeroplanes and spatial vehicles), parts of these or materials transported by them or their impact to the insured object.
EXTENTED RISKS:
- earthquake, floods or muds produced by surface waters’ overflow or temporary rains, including snow or ice melting , storm, huricane, gale, tornado, including the damages produced by the rain’s infiltration through the roof, walls, doors and windows caused by violent torrential rains; hale and its direct effects, theft or burglary.
ALL RISKS:
- all the above risks, to which attached: theft or burglary vandalism; land collapse or slip due to natural causes, snow or ice weight, the insured building or depositing the insured goods exterior impact to the insured building or buildings depositing the insured goods with vehicles, other than the insured property, or the direct impact of vehicles with the open sky deposited insured goods; airborn apparatus’ shock wave (sonic boom); avalanches, accidental fall of objects that are not the insured persons’ property, strikes, civil riots.
SPECIAL CLAUSES:
- flood due to broken water pipes and to the overflow of sewege water; write-off goods part of the buildings and its dependences; constructing buildings, refrigerating products, consequential loss, due to indirect material damages after the main damage occurence; bussiness interruption damages, electric fenomena at industrial objectives; additional expenses for the elaboration of the project, precincts cleaning up after the damages’ occurence expenses, expenses for the firemen intercession (if the Insured person is enforced by law to its payment); expenses for damages expertise.
If interested in contracting this type of policy, whichever it may be, please fill in the contact form with your personal data and in short time we’ll submit a compared tender from several insurance companies, so that you, together with us, be able to take a decision. Moreover – we provide free of charge audit for your current policies.
Contact us NOW!
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