Property insurance against all risks

Insurance coverage covers damage to property resulting from any sudden, unexpected and unforeseeable event independent of the will of the Policyholder or the Insured, which has not been expressly excluded in the general insurance conditions or any additional provisions.

In particular, insurance protection covers liability for damage resulting from:

  • fire, direct lightning strike, explosion; aircraft collapse, hurricane, torrential rain, flood, hail, avalanche, snow, earthquake, landslide or subsidence, vehicle impact, supersonic noise, smoke and soot, water supply damage, falling trees, buildings or structures, overvoltage caused by lightning

  • burglary, robbery, intentional damage or destruction by third parties

  • rescue operation carried out in connection with any events covered by the insurance contract

  • pollution or contamination of the insured property as a result of accidental events covered by the insurance contract

The following property may be covered by insurance:

  • buildings and structures

  • machines, devices, equipment

  • current assets

  • adaptation expenses - the value of adaptation construction works (including renovations) and interior finishing determined on the basis of the costs incurred by the Insured to adapt rooms or buildings not owned by the Insured to the type of business conducted or to raise the standard of these rooms or buildings

  • property of third parties - property accepted by the Insured under the contract in order to provide processing, repair, renovation, alteration, cleaning, sale, storage, storage or for any other similar purpose in accordance with the owner's recommendation

In order to obtain precise information, we recommend reading the text of the General Terms and Conditions of Insurance available on the websites of insurance companies. To calculate the premium, please contact our office agent.