We cover damage caused by: fire, smoke and soot, explosion, implosion, lightning, fall or impact of aircraft, fall of trees and structures, vehicle impact.

We cover damage caused by rain and hail, strong wind, snow and ice weight, avalanches, landslides and collapses. Coverage of the risk of flooding is subject to an assessment of the flood risk at the insured site based on your application. If we determine that it is possible to cover the insured site indicated in your application, we will confirm this in the policy.

We will cover fixed costs of business incurred by the Insured during interruption of business at the insured site indicated in the contract as a result of loss caused by an insured event. 

We provide coverage for third-party liability towards damage (personal injury and property damage) for which the Insured is legally responsible, as well as for liability for products placed on the market; third party liability for renting real estate and movable property; and third party liability for damage to movable property processed, cleaned, repaired, maintained, packaged or otherwise handled as part of services provided by the Insured, as well as for damage to movable property in the custody or control of the Insured.

Costs of post-damage activities and costs of disposal of medicines.

We will organise and cover the costs of emergency assistance (services provided by plumbers, electricians, locksmiths, roofers, heating appliance technicians, exterminators, disinfectors, fumigators).

We cover damage caused by sudden escape of steam, water or other liquid, including damage caused by a breakdown of water supply system or sewage system.

We cover damage in the form of breaking or cracking of glass objects and we will cover additional costs that arise in connection with this insurance event,

We cover damage caused by burglary and robbery

We cover damage caused by vandalism

We provide cover for damage involving the breakdown of machinery and equipment and damage caused by non-maintained current parameters.

We cover liability for damage to third parties (personal injury and property damage) caused as a result of emission, leakage or any form of release into the atmosphere of any hazardous substances, as well as liability for damage to employees

We will organise and cover the cost of assistance with the recovery of electronic and digital data lost due to electronic equipment failure.

We cover damage to insured property caused by earthquakes.