Insurance for businesses

Combined Insurance businesses

For your company, we think big

What is Combined business insurance?

Combined business insurance offers protection adapted to the specific needs of the industrial sector of your business. It stands out for its flexibility, adapting to the size and features of your business, and the ease of taking out multi-situational risk.

Advantages of this insurance

We provide you with the experience of our business insurance experts, who will advise you on choosing the cover that best suits your business.

Specific advice

We have qualified professionals to provide you with specialised advice on the running and needs of large companies.

Flexibility

You decide if you want to cover the building, the fittings and machinery, the inventory, or everything as a whole. You can also declare multi-situations if needed.

Coverage

Since each company has its own specificities, in addition to the mandatory coverage, we offer the option to customize the offering with coverage the customer may need for its specific risk.

Main coverage

The following coverage is mandatory to take out:

Fire, explosions and lightning

We guarantee cover for damage caused by fire, explosion and lightning.

More optional coverage

You can complement your insurance with optional coverage, including:

Insurance add-ons

This insurance offers you the following additional extensions to adjust insurance protection to your company's needs. The following are covered:

Rain, wind, hail or snow.
Smoke, sonic waves, aircraft crashes, impact of third-party land vehicles.
Vandalism.

All of this with the limits and intensities covered in the policy.

Electrical damage

The Combined business insurance guarantees coverage of damage or defects caused as a consequence of abnormal currents or short-circuits, whose origin is external to the insured risk (lightning strike, electricity supplied by the power supplier or others) to the electrical installations, provided the continent capital and the machinery, computers and electrical and/or electronic devices are insured and the machinery, furniture and installations capital is also insured.

Obligatory vacating the property

The cost of refunding expenses of provisional relocation of the insured premises or building where the activity is carried out as a result of any claim covered by the risks and basic coverage of the policy is covered for the period required to repair the damage.

Breakages

Material and direct damage and costs related to the installation and assembly of windows, mirrors, glass, signs and illuminated signs and elements that are fixed and are part of the insured property, are covered following breakage as a result of any accidental cause, with the exception of glass that forms part of the insured machinery and that is broken as a result of any accidental, sudden and unforeseen cause.

Loss of profits, work stoppage

Damages caused by the work stoppage or suspension of sales that, due to a compensable claim caused by one of the basic risks and coverage, affects the insured activity.

Claims and legal defence

The expenses arising from the legal defence of the insured party's interests in relation to the business activity indicated in the specific conditions.

Water damage

We cover any material damage resulting from accidental leakages, breakages or blockages and, if the premises are insured, it would also include the costs of locating the damage, masonry and plumbing work, and even repairing the breakdown if there is no damage, as well as the excess of water consumption due to a covered breakdown.

Burglary/robbery

Designated property in the policy that has been illegitimately stolen by third parties for profit against the will of the insured party by means of acts that involve force or violence against the insured property.

And many more

Such as a breakdown of machinery, electronic equipment, liquid spillage, all risk in a combined policy.

Do not hesitate to contact our specialists, who will advise you on the subscription to these covers or other coverage that your business may need.

FAQs

Why is a Combined business insurance necessary?

You never know when an unforeseen event may occur: your company may suffer a robbery, machinery breakdown or accidental breakage of glass, among other incidents. This insurance is designed to guarantee cover for expenses arising from any eventualities befalling your company.

Is this insurance suited to my activity?

It is a flexible insurance policy that will allow you to choose between a wide range of covers that you can adapt to your needs. An example of this is Public liability, which offers you specific options depending on the nature of your activity, such as mechanics workshops, public car parks and hotels, as well as general cover for operations, products and personnel.

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Why take out our Combined Business insurance?

Because we provide you with all our experience in order to offer you the best possible protection for your company.

Personalised Customer Service

No matter what activity your business carries out, we adapt our insurance to suit your company.

The best professionals

We surround you with the best professionals, to advise you at all times and to design the multi-risk business insurance that you really need, explaining each coverage clearly and simply.