Material damage all risk insurance

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What makes our material damage all risk insurance different

Material damage all risk is a comprehensive insurance solution designed to protect medium-sized and large companies against potential material damage that could affect their financial results. To achieve an optimum level of protection, our experts will carry out a prior inspection of the company to prepare a tailor-made insurance project.

A versatile insurance policy

Material damage all risk is designed to be adapted to any company, regardless of its business volume and activity.

Flexible insurance

Material damage all risk allows you to decide which coverage to take out and to configure your insurance according to your needs.

Access to information

Through Iberinform you will be able to obtain updated information on any company to identify new opportunities.

What coverage does this policy provide against material damage?

Includes accidental, sudden and unforeseen material damage to the insured assets. Among others, it includes damage caused by:

Fire, explosions or lightning.
Vandalism or malicious acts.
Rain, hailstones, snow and flooding.
Smoke.
Flooding due to burst pipes.
Impact of land vehicles.

Theft and robbery.
Water damage, including costs for locating and repairing leaks and malfunctions.
Breakage of windows, lighting and signs.
Material and bodily harm to third parties exclusively due to fire.

Electronic equipment.
Electrical damage to transformer stations and power lines.
Electrical damage to electric machines.
Electrical damage to electronic equipment.

Fire extinction, debris removal and demolition, sludge removal and salvage.
Replacement of files, plans, etc.
Replacement of moulds.
Additional expenses for overtime.
Professional and technical expert fees.
Redecoration.

Goods belonging to workers and temporarily moved.
Goods owned by third parties.
Goods temporarily moved.
Lawns, trees, plants and bushes.
Vehicles at rest.

General excess with the possibility of taking out special excess for first-risk coverage.

We resolve your legal queries through a telephone consultation service. We also help you in claiming rights, excesses and contracts and we support you with legal defence and rights.

Services included in this all risk insurance

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FAQs

You don't have to worry about anything. At Occident we know that each company has very specific needs and, therefore, before taking out our Material damage all risk insurance, a team of experts will carry out a preliminary inspection of your company and use the information they obtain to prepare an insurance proposal according to your needs.

Depending on the risks to which your company is exposed, you can choose between insuring the building, the contents, or both.

The building comprises:

The main constructions and annexes.
Fixed utility installations (water, gas, heating, electricity, etc.).
Integrated fixed elements such as doors, windows and fences.
Outdoor facilities forming part of the company's premises.

The insurable content includes:

Furniture, machinery and equipment associated with the activity being carried out.
Declared fixed or floating capital stocks.

Iberinform is an advanced analytics solution that will help you identify business opportunities, manage commercial risks, and analyse the financial situation of companies in more than 200 countries.

iCollect is a service included in Iberinform, which enables you to improve cash flow by recovering national and international debts. Your finances will not be jeopardised by non-payment.

Yes. Material damage all risk coverage includes this category, designed for companies that rent premises and want to cover the renovation, refurbishment and decoration work they have carried out.

FAQs

Material damage all risk insurance

What makes our material damage all risk insurance different

A versatile insurance policy

Flexible insurance

Access to information

What coverage does this policy provide against material damage?

Consequential material damage and/or loss

Other material damage optionally available

Optional coverage

Expenses related to the incidents covered

Inclusion of goods

Excess on Material damage all risk insurance

Claims and legal defence

Services included in this all risk insurance

Iberinform

Grow your business with our advanced analytics solution

FAQs

How do I know what coverage I should take out?

What assets are covered by Material damage all risk insurance?

What is Iberinform?

What is iCollect?

Does it also cover renovation work?

Consult documentation

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