- What is this insurance for?
- What is covered by commercial insurance?
- How are the premises and contents of a business calculated?
- Can I personalise this insurance to suit my type of business?
- If I am robbed, what coverage do I have?
- In the event of a claim, do I have legal assistance?
- With this insurance, am I covered for civil liability for damages to third parties?
What is this insurance for?
Commercial insurance protects your business against any unexpected circumstances covered by the policy, offering you a wide range of basic and optional coverage to perfectly suit your needs depending on your line of business.
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What is covered by commercial insurance?
Basic coverage:
- Fire, explosion and/or lightning strike.
- Water and/or electrical damage.
- Forced eviction.
- Merchandise stock plus.
- Replacement documents.
- Cosmetic damages (1,500 € per claim per year).
- Damages by collision and/or sonic waves.
- Vandalism or malicious acts.
- Rain, wind, hail, snow.
- Damages by smoke and/or spillage or the accidental operation of fire-fighting equipment.
- Flood damage.
- Damages arising from a claim.
- Expenses arising from a claim (max. 30,000 €).
- 24-hour assistance.
- Commercial legal protection.
- Breakage of windows and signs.
- Operational civil liability.
- Civil liability for water damage.
Optional coverage:
- Theft.
- Computers and electronic equipment.
- Civil liability (product, employer, for the owner, bonds).
- Merchandise in fridges and freezers.
- Mechanical breakdown.
- Business stoppage.
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How are the premises and contents of a business calculated?
To calculate the insured sum for the Premises you must take into account the reconstruction value of the building. In the event of a claim, the building plot will always remain and so the value of the plot must not be included within the principals.
To calculate the insured sum for the Contents you must always use the value of the items when new, making separate calculations for merchandise, furnishings and fixtures, and machinery. It is extremely important to calculate as accurately as possible, thereby avoiding potential problems in the event of a claim.
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Can I personalise this insurance to suit my type of business?
Customers can indeed personalise their insurance to suit their type of business. We have a wide range of coverage options for this, so you can select those that might realistically affect your business.
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If I am robbed, what coverage do I have?
EIn the event of a robbery, the policy covers furnishings and fixtures, machinery, personal effects as well as stock, cash, money in the safety deposit box, hold-ups, money being held up in transit and the damages caused by the robbery.
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In the event of a claim, do I have legal assistance?
In the event of a claim, your legal defence within the scope of your commercial activity is covered, with the insurance company picking up the costs of said defence.
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With this insurance, am I covered for civil liability for damages to third parties?
Unión Alcoyana will assume the extracontractual civil liability that could arise for the policyholder as a consequence of personal or material damages, as well as the economic damages derived directly from said personal or material damages, as well as the economic damages derived directly from said damages caused involuntarily to third parties by risks derived from the business conducted by the policyholder in the establishment covered by the policy.
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