Your property is the most valuable thing you have acquired, whether it is your home or your business and its insurance is definitely of utmost importance. Unforeseen phenomena can damage your property and cause unwanted consequences, which is why it is always important to be proactive.

The property insurance offered by our company is divided into two coverages: Fire Insurance and Theft Insurance. Fire Insurance concerns the insurance of the building and its contents and Theft Insurance concerns only the contents and/or attachments. Building can be a house, an apartment, a country house, an office, a shop, a workshop, a warehouse or a factory. Our company gives you the opportunity to choose between various specialized insurance programs/packages with a wide selection of coverage for any type of building and/or their contents.

A fire or any other insured risk is very likely to be of such a magnitude that it will force your company to stop operations for a period of time. This disruption is likely to be catastrophic. This Insurance policy covers the financial consequences of the interruption of a company’s operations, which arise from any insured risk, so that it can withstand this difficult period.

For Business Interruption cover, the existence of a Fire Insurance is a prerequisite.

Basic Coverage

• Loss of Gross Profit as a result of total or partial interruption of business operations due to loss of or damage to the contents and/or building of the business as a result of fire, lightning and explosion of boilers or gas cylinders used for domestic purposes for a predetermined period (insurance period).
• Payment of additional expenses to limit the interruption, such as use of temporary premises, rental of furniture, accessories or telephones, etc.

Optional coverages:

• Earthquake or Volcanic Eruption, Storm, Tempest, Flood, Malicious Damage, Burst of Water Pipes or Overflow of Water Tanks, Riots, Strike, Impact by Vehicles or Aircraft, Explosion, Fire resulting from bush fire
• Auditors’ fees for preparing the necessary documents after an incident.

Exceptions:
The Policy is subject to exclusions, some of which are:

• War risks.
• Terrorist acts.
• Nuclear radiation, environmental pollution.
• Cyber Risk.
• Loss or Damage while the insured property remains unoccupied for more than 30 consecutive days.
• Impact by a vehicle owned or under the control of the insured or any owner of the premises or his employees.