Specialized support line for Corporate Customers.
- Corporate
- Insurance
- Business Property
- Business Protection
Business Protection Insurance
Protection tailored to your business
Benefits
What’s included?
Optional coverages for each sector
Protection in the right measure
Accommodation and catering
Health and wellness
Accommodation and catering
Machinery breakdown
Health and wellness
Damage to landlord’s property (Contents)
Accommodation and catering
Damage to landlord’s property (Contents)
Health and wellness
Fixed electronic equipment
Accommodation and catering
Deterioration of refrigerated goods
Health and wellness
Loss of use of leased or occupied premises
Accommodation and catering
Loss of use of leased or occupied premises
Health and wellness
Restoration of data on IT media
By choosing one of these predefined solutions, you get a 10% discount on the basic coverage.
Services
Trade
Services
Fixed electronic equipment
Trade
Damage to landlord’s property (Contents)
Services
Damage to landlord’s property (Contents)
Trade
Loss of use of leased or occupied premises
Services
Document reconstruction
Trade
Indirect losses
Services
Restoration of data on IT media
Trade
Machinery breakdown
Coverages, limits, and deductibles
Customizable protection
Coverage
Sum Insured / Coverage Limit
(Building / Contents)
Deductible
Coverage
Fire, lightning strike and explosion
Sum Insured / Coverage Limit
(Building / Contents)
Sum insured
Deductible
No deductible
Coverage
Storms
Sum Insured / Coverage Limit
(Building / Contents)
Sum insured
Deductible
10% of the Loss Covered – Min. €250
Coverage
Floods
Sum Insured / Coverage Limit
(Building / Contents)
Sum insured
Deductible
10% of the Loss Covered – Min. €250
Coverage
Water damage
Sum Insured / Coverage Limit
(Building / Contents)
Sum insured
Deductible
10% of the Loss Covered – Min. €250
Coverage
Theft or robbery
Sum Insured / Coverage Limit
(Building / Contents)
Sum insured
Deductible
10% of the Loss Covered – Min. €250
Coverage
Aircraft crash
Sum Insured / Coverage Limit
(Building / Contents)
Sum insured
Deductible
No deductible
Coverage
Collision or impact of land vehicles
Sum Insured / Coverage Limit
(Building / Contents)
Sum insured
Deductible
No deductible
Coverage
Collision or impact of solid objects
Sum Insured / Coverage Limit
(Building / Contents)
Sum insured
Deductible
No deductible
Coverage
Oil leakage from heating systems
Sum Insured / Coverage Limit
(Building / Contents)
Sum insured
Deductible
10% of the Loss Covered – Min. €250
Coverage
Strikes, riots and public disorder
Sum Insured / Coverage Limit
(Building / Contents)
Sum insured
Deductible
10% of the Loss Covered – Min. €250
Coverage
Glass breakage
Sum Insured / Coverage Limit
(Building / Contents)
5% of sum insured, max. €2,500
Deductible
10% of the Loss Covered – Min. €250
Coverage
Breakage or fall of antennas
Sum Insured / Coverage Limit
(Building / Contents)
5% of sum insured, max. €2,500
Deductible
10% of the Loss Covered – Min. €250
Coverage
Breakage or fall of solar panels
Sum Insured / Coverage Limit
(Building / Contents)
5% of sum insured, max. €5,000
Deductible
10% of the Loss Covered – Min. €250
Coverage
Demolition and removal of debris
Sum Insured / Coverage Limit
(Building / Contents)
Up to 10% of damages
Deductible
No deductible
Coverage
Landslide
Sum Insured / Coverage Limit
(Building / Contents)
Sum insured
Deductible
10% of the Loss Covered – Min. €250
Coverage
Aesthetic damage
Sum Insured / Coverage Limit
(Building / Contents)
Max. €2,500 – Buildings only
Deductible
10% of the Loss Covered – Min. €250
Coverage
Acts of vandalism and malicious acts
Sum Insured / Coverage Limit
(Building / Contents)
Sum insured
Deductible
10% of the Loss Covered – Min. €250
Coverage
Seismic phenomena (Special Condition 103)
Sum Insured / Coverage Limit
(Building / Contents)
Sum insured
As declared for this coverage
Deductible
As declared for this coverage
Coverage
Electrical risks (Special Condition 104)
Sum Insured / Coverage Limit
(Building / Contents)
As declared for this coverage
Deductible
10% of the Loss Covered Min. € 250
Coverage
Reconstitution of documents (Special Condition 105)
Sum Insured / Coverage Limit
(Building / Contents)
Not applicable – Buildings
As declared for this coverage – Contents
Deductible
10% of the Loss Covered Min. € 250
Coverage
Damage to landlord’s property (Special Condition 106)
Sum Insured / Coverage Limit
(Building / Contents)
Not applicable – Buildings
As declared for this coverage – Contents
Deductible
10% of the Loss Covered Min. € 250
Coverage
Reconstitution of information on computer media (Special Condition 107)
Sum Insured / Coverage Limit
(Building / Contents)
Not applicable – Buildings
As declared for this coverage – Contents
Deductible
10% of the Loss Covered Min. € 250
Coverage
Loss of rents (Special Condition 108)
Sum Insured / Coverage Limit
(Building / Contents)
5% of the sum insured maximum € 5,000 – Buildings
Not applicable – Contents
Deductible
No deductible
Coverage
Smoke damage (Special Condition 109)
Sum Insured / Coverage Limit
(Building / Contents)
Sum insured
Deductible
No deductible
Coverage
Fixed electronic equipment (Special Condition 110)
Sum Insured / Coverage Limit
(Building / Contents)
Not applicable – Buildings
As declared for this coverage – Contents
Deductible
10% of the Loss Covered Min. € 250
Coverage
Third-party property in the custody of the insured (Special Condition 111)
Sum Insured / Coverage Limit
(Building / Contents)
Not applicable – Buildings
As declared for this coverage with a maximum of € 50,000 – Contents
Deductible
10% of the Loss Covered Min. € 250
Coverage
Third-party property in the custody of the insured (Special Condition 112)
Sum Insured / Coverage Limit
(Building / Contents)
Not applicable – Buildings
As declared for this coverage with a maximum of € 50,000 – Contents
Deductible
10% of the Loss Covered Min. € 250
Coverage
Personal accidents of customers (Special Condition 113)
Sum Insured / Coverage Limit
(Building / Contents)
Not applicable – Buildings
Up to € 50,000 per claim and per year, limited to € 5,000 per injured person – Contents
Deductible
No deductible
Coverage
Business interruption (Special Condition 114)
Sum Insured / Coverage Limit
(Building / Contents)
-
Deductible
3 days
Coverage
Property kept in safes or locked furniture
(Special Condition 116)
Sum Insured / Coverage Limit
(Building / Contents)
Not applicable – Buildings
As declared, maximum € 2,500 – Contents
Deductible
No deductible
Coverage
Machinery breakdown (Special Condition 117)
Sum Insured / Coverage Limit
(Building / Contents)
Not applicable – Buildings
As declared for this coverage – Contents
Deductible
10% of the Loss Covered Min. € 250
Coverage
Deterioration of refrigerated goods (Special Condition 118)
Sum Insured / Coverage Limit
(Building / Contents)
Not applicable – Buildings
As declared for this coverage with a maximum of € 50,000 – Contents
Deductible
10% of the Loss Covered Min. € 250
Coverage
Sacrifice of property (Special Condition 119)
Sum Insured / Coverage Limit
(Building / Contents)
5% of the sum insured, maximum € 5,000€
Deductible
No deductible
Coverage
Deprivation of use of leased or occupied premises (Special Condition 120)
Sum Insured / Coverage Limit
(Building / Contents)
Not applicable – Buildings
5% of capital, max. € 750/month – Contents
Deductible
No deductible
Coverage
Indirect losses (Special Condition 121)
Sum Insured / Coverage Limit
(Building / Contents)
30% of the capital of contents
Deductible
Not applicable
Coverage
Legal protection (Special Condition 122)
Sum Insured / Coverage Limit
(Building / Contents)
Various
Deductible
-
Article 24 - Assistance
What’s covered by our assistance?
Assistance Guarantee
Max. covered
Applicability
Assistance Guarantee
Moving and storage expenses
Max. covered
€750
Applicability
If a claim covered by the contract occurs
Assistance Guarantee
Storage of objects and property – Maximum period
Max. covered
60 days
Applicability
If a claim covered by the contract occurs
Assistance Guarantee
Transportation expenses
Max. covered
€250
Applicability
If a claim covered by the contract occurs
Assistance Guarantee
Expenses with a security guard
Maximum surveillance period per claim: 72 hours
Max. covered
€250
Applicability
If a claim covered by the contract occurs
Assistance Guarantee
Security technicians
Max. covered
No limit
Applicability
Regardless of claim verification
Assistance Guarantee
Policyholder advice
Max. covered
No limit
Applicability
Regardless of claim verification
Assistance Guarantee
Loss, theft or forgetting of keys
Max. covered
Once per year
Applicability
-
Assistance Guarantee
Cleaning of the establishment
Max. covered
€250
Applicability
-
Assistance Guarantee
Advice in case of theft
Max. covered
No limit
Applicability
-
Assistance Guarantee
Hospitalization due to accident occurring at the insured establishment
Max. covered
No limit
Applicability
-
Assistance Guarantee
Nursing professional
Max. covered
72 hours
Applicability
-
Assistance Guarantee
Dispatch of medicines
Max. covered
No limit
Applicability
-
Assistance Guarantee
Transport to hospital
Max. covered
No limit
Applicability
-
Assistance Guarantee
Advice on security systems
Max. covered
No limit
Applicability
-
Assistance Guarantee
- Travel information
- Service reservation
- Gift purchase and delivery service
- Special services for executives
Max. covered
Maximum accumulated 12 requests/year
(excluding Information Services)
Applicability
-
Special Condition 122 – Legal Protection
What does legal protection cover?
Coverage
Maximum amounts of guaranteed expenses
Applicability
Coverage
Maximum per Dispute for the expenses mentioned in paragraph a) of Number 7. (1)
Maximum amounts of guaranteed expenses
€1,250
Applicability
GUARANTEES (No. 3 of the Special Condition)
Coverage
Maximum per Dispute for the expenses mentioned in paragraphs b) and c) of Number 7.(1)
Maximum amounts of guaranteed expenses
€2,000
Applicability
GUARANTEES (No. 3 of the Special Condition)
Coverage
Maximum per policy year
Maximum amounts of guaranteed expenses
€5,000
Applicability
GUARANTEES (No. 3 of the Special Condition)
Coverage
Maximum per Dispute for the expenses mentioned in paragraph a) of Number 7.(1)
Maximum amounts of guaranteed expenses
€1,750
Applicability
GUARANTEES (No. 3 of the Special Condition)
Coverage
Maximum per Dispute for the expenses mentioned in paragraphs b) and c) of Number 7.(1)
Maximum amounts of guaranteed expenses
€3,000
Applicability
GUARANTEES (No. 3 of the Special Condition)
Coverage
Maximum per policy year
Maximum amounts of guaranteed expenses
€7,500
Applicability
GUARANTEES (No. 3 of the Special Condition)
(1) The Value Added Tax (VAT) applicable on fees is considered included for the purposes of the capital.
See here the General Conditions of Business Protection Insurance.
Costs
The premium varies depending on the coverages and the chosen anti-theft protection measures
Example: Annual premium of €92.01 for a Business Protection Insurance with the 23 basic coverages and the following characteristics:
- Building Capital: €100,000
- Security Measures: Alarm
- Under risk conditions that do not involve premium surcharges.
The first premium receipt includes an additional policy fee of €5.65 (including legal charges).
To subscribe to Business Protection Insurance, talk to your Account Manager or visit one of our branches..
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