Characteristics
- Buildings and other structures, put into service on the basis of the signed statement regarding its final reception: the special buildings and structures destined for economic/socio-cultural activities, in their integrity, together with the electrical, hydraulic, sanitary, telephonic, heating and all other installations which guarantee their functionality. In the “other buildings” category the following can be insured: garages, storage rooms, stables, fencing, car parks, concrete platforms, scaffolding, guard posts, electrogen group, water/fuel tanks, pools, ramps, silos, quays, industrial towers and chimneys, access roads, etc.
- Contents:
Capital goods and stocks of goods (machinery, aggregate, equipment, technological installations, motors, transformers, tools, command and control equipment, photo/video devices, cranes, furnaces, scaffolding, mobile separator walls, fire detection/extinguishing/anti-theft installations, furnishing, office supplies, etc.);
– Stocks (freight, raw materials, semi-fabricated products, finite products or products in the manufacturing cycle, packaging, recyclable waste, goods that are to be fixed/processed).
Covered Risks
In its extended form, this policy covers the following risk categories:
- Fire;
- Lightning strike;
- Explosion;
- Accidental falling of objects;
- Damage incurred by wild animals to the external elements of the building;
- Sonic boom;
- Earthquake;
- Floods/flash-floods;
- Landslides and land collapse;
- Weight of snow/ice and avalanches;
- Theft, both break-ins and burglary.
- Collision with vehicles, including trains (strikes on the outside of the insured buildings by vehicles which are not in the property of the policyholder);
- Flooding as a result of:
- Accidental breakage of water pipes;
- Accidental breakage of tubing and overflow of sewage;
- Accidental leaks from the automatic fire extinguisher systems;
- Strikes/riots/civil disturbances, vandalism;
