What makes our Fire insurance for businesses different
Fire Insurance offers you very specific coverage, necessary for protecting your goods against any damages caused directly by fire. Furthermore, you will also be protected against damages caused by lightning or explosions.
What does Fire insurance cover
This cover protects you against material damages or losses to your goods caused directly or as a consequence of fire: whether accidental, caused by a stranger, or due to an error or accident.
The Fire insurance can also include permanent fixtures such as those found on your premises, industrial unit, or office; as well as the various belongings they contain, such as specific furnishings, furnishings for business use, or stock.
You will also be protected against any damages to goods arising from the necessary measures taken to extinguish or prevent the spread of fire, as well as expenses incurred in salvaging or transporting personal effects to safeguard them from the fire.
Expenses for the re-issuing of records, securities, and shares, which have been destroyed or damaged by fire will also be covered.
You are also protected against any damages to insured goods due to explosions originating from the same building or enclosure, as well as due to lightning; even if, in both cases, they do not give rise to a fire.
If you are looking to extend the protection of your premises, facility, or activities as fully as possible you can include additional coverage, such as:
- Electrical damages to electrical equipment or installations.
- Weather damage.
- Vandalism or malicious acts.
- Water damage due to leakage, omission of closing taps or leaks from adjacent premises.
- Civil liability for fire relating to the building owner and third parties.
FAQs
To determine the price of Fire insurance, various important aspects of the establishment need to be taken into account:
- The activity carried out in the establishment.
- Its location.
- Its construction characteristics.
- Its fire safety measures.
- The presence of flammable products.
- The value of the goods to be insured.
Coverage for our Fire insurance policy can include protecting your goods such as specific furnishings, industrial furnishings, machinery, merchandise, and stock, etc. For this reason it is necessary to draw up an up-to-date inventory of the value of all these items before taking out the insurance.
Fire causes some of the most severe incidents, generating the most serious damage. This is why it is standard, due to legal regulations for certain activities, that you take out fire insurance, so that your goods, investments, and properties are protected if a fire breaks out.
Our Fire insurance policy gives you a tailor-made solution for these situations. Our experts will provide you with all the information you need to fully protect your company.