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Object of insurance:

  • patrimony: buildings / and other construction and / or property contained in buildings such as machinery, equipment, installations and other fixed assets, inventory (raw materials, spare parts, etc.).

Also, goods with special characteristics may be insured, such as:

  • goods stored in refrigerating chambers;
  • portable goods;
  • breakable goods;
  • art objects.

Standard risks covered:

  • Fire
  • Lightning
  • Explosion
  • Aircraft

Additional risks covered:

  • Earthquake
  • Atmospheric hazards (storm, hail, flood, flood, avalanche, etc.)
  • Water pipes, sprinklers leakage
  • Sonic boom and cars collision,
  • Collapse or landslide
  • Burglary or robbery
  • Breaking or cracking breakable goods
  • Strikes, riots and civil disturbances
  • Vandalism etc.

Covered costs / expenses:

  • additional costs / expenses related to prevention / limitation of fire;
  • removal of debris following the damage;
  • payment of professional fees;
  • media recovery and data archives.

Facilities for customers:

  • possibility of payment of the insurance premium in installments
  • possibility to pay in RON equivalent of an insurance premium expressed in currency
  • the possibility of concluding the insurance at the replacement value (new to old), market value or bank assessed value
  • extension of the insurance validity for goods used in off-insured-area
  • additional coverage for public authorities
  • the possibility to ensure some buildings under construction
  • grant advances of compensation for damage