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Insurance for businesses
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Material damage all risk insurance is a comprehensive solution designed for large companies, offering protection against all kinds of risks, with coverage even of damage to premises and the contents of facilities and goods.
With our Material damage all risk insurance, you will enjoy comprehensive protection, including a wide range of coverage which can be improved with other additional guarantees.
We have qualified professionals to provide you with specialised advice on the running and needs of large companies.
This insurance policy covers from material damages affecting your company to theft and machinery breakdowns.
This insurance allows you great flexibility in contracting. 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.
We will offer you the coverage of the most requested risks, subsequently adapting the insurance to the specific needs you provide us with for your company. In any case, the following coverage is compulsory:
The main cover of the Material damage all risk insurance offers you protection against any material damage sustained by your company's items as a result of sudden accidental and unforeseen events not specifically excluded from the insurance agreement.
Among other things, we will compensate you for damage which a fire may cause to your facilities, as well as the loss of items, the expenses arising from the measures taken to fight it or prevent it spreading.
Furthermore, the costs of transporting your property to safeguard them in the event of a loss and in the event of them sustaining damage or disappearing would also be covered. Furthermore, we cover the fees of architects, engineers, inspectors and other professionals' needed to repair or reconstruct the items damaged.
All of this in accordance with the items and sums declared when taking out the policy.
You can complement your insurance with optional coverage, such as:
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 capital of the structure and machinery, computers and electrical and/or electronic devices are insured and the machinery, furniture and installations are also insured.
We will cover the expenses arising from the legal defence of the insured party's interests in relation to the business activity described in the specific conditions.
We will cover the subtraction or illegitimate seizure, or attempted seizure of the goods designated in the policy 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.
Material damage all risk insurance offers you additional covers so that you can tailor your insurance plan with coverage for machinery breakdown, electrical equipment or liquid damage, among other options.
Our specialists will advise you and help you to design the insurance you and your business need.
This insurance is designed for large companies that want the maximum protection for their business and need flexibility to select the capital and covers that best suit their characteristics and activities.
You may choose between insuring the premises, the content or both.
Structure is the set of main or attached construction elements, its fixed utility installations (water, gas, heating or electricity, among others), integrated fixed elements (doors, windows and enclosures) and the installations outside, provided that they are within the company property.
As content you can insure the furniture, machinery and proprietary installations related to your business activity, as well as your inventory, whether fixed or floating capital.
Yes. Material damage all risk includes this modality, which has been conceived for those companies that rent their premises and want to cover the restoration, updating and decoration work carried out in it.
Because every client is unique, we are at your side to offer you the service that suits your particular circumstances.
We provide you with the advice, know-how and experience of our business insurance professionals.
Your comprehensive business damage insurance will always be up to date, because we offer the possibility of automatically reappraising your insured capital, to put your mind at ease.