Unión Alcoyana Insurance Company

Telephone 902 377 378

unión pyme

Description:

Here at Unión Alcoyana we have over 125 years' experience of advising companies on their risk management. Small and medium-sized enterprises are fundamental to our company's economic and productive activity, which is why we have designed Unión SMEs as a product to cover the specific risks of each type of business, be it industrial or services, and to suit the characteristics and needs of each firm.

Basic and optional coverage:

unión smes offers a wide range of coverage options and provides the best solution for threats to which the company is exposed. It is insurance that recognises risks and that offers, alongside the basic coverage such as fire and accessories, extended coverage and water damage, the possibility of taking out optional coverage such as theft and pillaging, civil liability, losses due to business stoppage, mechanical breakdown and electrical damage.

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Technical information

Why insurance for SMEs?
What coverage does this insurance provide?

Why insurance for SMEs?

Unión smes has been created to provide integral coverage for risks that could pose a problem to the proper running of your small or medium-sized enterprise. In short, we help customers so that they don't have to worry about anything other than their business.

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What coverage does this insurance provide?

Basic coverage:

Fire, explosion and/or lightning strike. This guarantee covers
- Costs arising from putting the fire out and/or the damage caused.
- Secondary effects arising from the incident.
- Damages for salvage and/or transfer.
- Costs of rebuilding moulds and archives.
- Optional coverage:
  - Work stoppage.
  - Automatic coverage of the capital.
  - Merchandise stock plus.
  - Civil liability for fire for the owner and/or third parties.
  - Loss of rental income.
Extended coverage. This guarantee covers:
- Vandalism or malicious acts.
- Rain, wind, hail or snow.
- Smoke damage.
- Impact by terrestrial vehicles and/or falling aircraft.
- Damage from sonic waves.
- Spillage and/or leakage of fire-fighting equipment.
- Optional coverage:
  - Spillage of molten material.
  - Partial value insurance.
Extraordinary risks.
In-Var
Value as new.
Costs affecting the premises and contents coverage:
- Salvage and/or transfer costs.
- Extinction, demolition and/or debris removal costs.
- Mud removal costs.
- Eviction and inhabitability.
- Surveillance costs.
- Costs and fees for external professionals.

Optional coverage:

Losses due to stoppage. This guarantee covers:
- Loss of profits.
- Fixed costs arising from the stoppage.
- Optional coverage:
  - Additional automatic coverage.
  - Claims arising from Spain's Insurance Compensation Consortium.
Robbery and pillaging.
- Optional coverage:
  - Damages due to robbery.
  - Cash in drawer.
  - Safety deposit box.
  - Hold-up of funds in transit.
  - Robbery at partial value.
  - Robbery at first loss.
  - Robbery of moulds and plans at first loss.
Civil liability. This guarantee covers:
- Operational civil liability.
- Defence and bonds.
- Optional coverage:
  - Employer's civil liability.
  - Post-production civil liability.
  - Civil liability for fire/explosion for the owner.
  - Civil liability for loading and unloading.
  - Civil liability for off-site work.
  - Extended civil liability.
  - Civil liability for changing rooms.
  - Civil liability for cleaning firms.
Mechanical breakdown.
Transported goods.
Breakage of windows, signs, mirrors and sanitary ware.
Breakage of electronic and/or electrical equipment:
- Optional coverage:
  - Damages to external data storage devices.
  - Staff and equipment hire costs.
Electrical damage.
Spoilage of refrigerated goods.
Spillage of liquids.
Cosmetic damage.
Water damage.

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