Insurance for businesses

Material damage all risk insurance

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What is Material damage all risk insurance?

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.

Advantages of this insurance

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.

Specific advice

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

Full protection

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.



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.

More optional coverage

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.


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.

Why take out Material damage all risk insurance?

Personalised Customer Service

Because every client is unique, we are at your side to offer you the service that suits your particular circumstances.

The best professionals

We provide you with the advice, know-how and experience of our business insurance professionals.

Automatic reappraisal

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.