You have built a successful business? To keep it sustainable, make sure you protect your assets.
|Insurance policy period:||Usually 1 year|
Property Insurance for Business Clients is offered in two variations:
For small- and medium-sized business insurance it is possible to select an insurance coverage from the packages with pre-grouped risks, or to make an individual choice of risks to cover.
For industrial enterprises in the high-risk activity domains, as well as for the big businesses, risk covered are selected individually.
Upon insurance of immovable and/or movable property against material damage, you may supplement the insurance coverage with protection against financial loss as a result of business interruption.
This insurance provides coverage in two sections:
|Property Damage Section|| |
This insurance policy is being concluded upon mandatory coverage of the following risks:
The coverage automatically includes also expenses of up to 5% of the total sum insured of the property under Property Damage Section, however for not more than BGN 50 000 (fifty thousand Bulgarian leva), incurred by the Insuree for the purpose of damage containment and elimination of the consequences from the occurred insured event.
The protection of your assets can be expanded by adding an insurance coverage for:
|Financial Loss Section|| |
Insurance coverage against financial loss as a result of a total discontinuation or partial interruption of your business is being provided only as an addition to the coverage under Property Damage Section.
For the convenience of small and medium-sized businesses in the area of trade, services or low-risk manufacture, the most appropriate risks for reliable protection under the Property Damage Section are grouped into four packages:
|Fire, thunderbolt, explosion or implosion, collision with or fall of a manned aircraft|
|Water and steam leakage|
|Malicious acts by third persons|
|Short-circuit and/or electric shock|
|Landslides or earthfall and/or groundwater action, collision with a motor vehicle|
Depending on the assets you insure, you can supplement the coverage under Property Damage Section by adding the following coverage options:
|Electronic Equipment Clause|| |
it expands the insurance coverage by including damage, inflicted on the insured electronic equipment as a result of:
|Machine Breakdown Clause|| |
it expands the insurance coverage by including damage, inflicted on the insured machines as a result of:
In case you store frozen goods in refrigerating chambers/warehouses/facilities, which you have insured under Machine Breakdown Clause, you may add protection of frozen goods against spoilage by adding the Frozen Food Spoilage coverage.
Additional coverage options to property insurance for small- and medium-sized businesses in the area of trade, services or low-risk manufacture:
|Third Party Liability|| |
|How can you choose the sum, for which to insure you assets?|| |
The sum of money, indicated by you and written down in the insurance contract, is the sum insured or the limit, up to which we assume liability for occurred and covered damage under the contract.
|How is the insurance premium being determined?|| |
It is determined depending on:
|Where can you conclude an insurance policy?||At DZI offices, as well as with our professional partners (agents and brokers)|
|Manner of payment?||An option to pay in installments, as each consecutive installment may be easily and quickly paid online.|
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