Multirisk Companies, a Multi-risk insurance that protects your assets and your activity - whether commercial or industrial.
Multi-risk insurance that protects your assets and your activity - whether commercial or industrial.
An insurance that adapts to your needs:
Specific coverages for the type of activity: commercial or industrial
Special benefits if you have protection measures against theft or fire
Adequate solution for the property, goods, machinery, furniture and responsibilities associated with the activity
Advantages of Allianz Multirriscos Empresa:
Guarantee against Fires and Exploration Losses
It has coverages that protect your business and your financial stability
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Storms and Floods Coverage
Because the phenomena of nature are more and more frequent, be protected in these situations
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Protection against theft or robbery guaranteed
Because unforeseen events happen, protect your business in case of theft or robbery
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Discover the coverage options at your disposal and choose the Allianz Multirriscos Empresa option that best fits your business
Base Coverage
The most economical solution. It offers you the essential guarantees for your company:
Fire, Lightning and Explosion; Derivative Expenses; Storms; Floods; Earth subsidence; Breaking Glass, Antennas and Solar Panels; Theft or Robbery and Vehicles in Park.
It also provides optional coverage such as Acts of Terrorism; Exploration losses; Public Liability and Seismic Phenomena
Mais Coverage
Includes the base module and additional covers for more extended protection:
Damages by water; Electrical Risks and Damage of the Insured held by Third Parties
It also provides optional coverage such as Acts of Terrorism; Exploration losses; Public Liability and Seismic Phenomena
Extra Coverage
The most complete option so that your company never stops:
Damage to Underground Pipelines and Cables
Money in Cash and in Safe
Machine Breakdown
It also provides optional coverage such as Acts of Terrorism; Exploration losses; Public Liability and Seismic Phenomena
Depending on your activity, there are also specific coverages such as Christmas and Easter, Business Assistance, Legal Protection for commercial activities, Spill of Goods, Spill of Molten Material, Shortage of Customers, Shortage of Suppliers and Shortage of Suppliers of Public Utility Goods for industries.
Coverages
Fire, Lightning and Explosion: Mandatory coverage by law that guarantees the payment of damages in case of fire, explosion and lightning and smoke.
Derivative Expenses: Guarantees the payment of expenses incurred by the Insured, directly related to a covered claim, as is the case with expert fees and the demolition and removal of rubble.
Storms: Ensures damage from wind, snow or hail, as well as widening by rain.
Floods: Ensures the repair of insured goods or their replacement in the event of disappearance or destruction, as a direct consequence of:
a) waterspout or torrential rain fall;
b) bursting of pipelines, collectors, drains, dikes and dams;
c) runoff or overflow from the bed of natural or artificial watercourses
Earth subsidence: Ensures the repair of safe assets or their replacement in the event of disappearance or destruction, as a direct consequence of Exogenous Geological Phenomena (external)
Breakage of Glasses, Antennas and Solar Panels: Guarantees, up to the limit of € 3,000 (Base) / € 5,000 (More) and € 7,500 (Extra) the damage caused to insured goods as a result of breakage or accidental fall of:
a) glass plates or fixed mirrors with a thickness equal to or greater than 4mm and a surface of at least 1m2;
b) advertisements and luminous advertisements, which are part of the secure establishment;
c) external image and sound receiving antennas, as well as the respective masts and spies;
d) solar energy capture panels, provided that they are owned by the Insured.
Theft or Robbery: Losses and damage caused to the contents or secure goods, as a result of theft or robbery (attempted, frustrated or consummated), practiced inside the place of risk or places of risk.
Vehicles in the Park: Damage to own vehicles, when they are at the risk location guaranteed in this contract, as a result of fire, lightning strike or explosion, up to a limit of € 1,500
Water Damage: Damage suffered by insurance assets, of a sudden and unforeseen nature, is guaranteed, as a result of:
a) rupture, defect, clogging, freezing or overflow of the internal water and sewage distribution network (including heating, air conditioning and storm water sewage systems) in the building where the safe assets are located, as well as the appliances or utensils connected to the water distribution network of the same building and their connections.
b) accidental spillage of oil, from any fixed or portable installation for space heating, except for the damages suffered by the installation itself and its contents.
It also includes the payment of expenses for research and repair of ruptures or blockages in the inner water and sewage distribution network, whenever necessary to resolve or minimize any of the situations in a) or b).
Complementary Risks: Depending on the type of asset selected (Building, Content, Goods), it includes a set of guarantees adjusted to the needs of the company.
Maximum limit of € 2,500 / € 5,000 / € 10,000 in the Mais and Extra coverage.
Political-Social Risks: Losses or damage (including fire and explosion) directly caused to insured goods as a result of:
a) acts of vandalism;
b) acts of sabotage;
c) strikes, disturbances at work, riots, riots and changes in public order;
d) measures taken by any legally constituted authority, on the occasion of the occurrences mentioned in subparagraphs a) to c), to safeguard or protect people and property.
Electrical Risks: Ensures damages of external origin, caused to any electrical machines, transformers, devices and installations and their accessories, resulting from direct effects of electric current, namely overvoltage and over-intensity, including those produced by atmospheric electricity (such as those resulting from lightning) and short circuit, even when there is no fire. Max. € 15,000 in the Mais coverage and € 50,000 in the Extra coverage.
Electronic Equipment: The material damages directly caused to the safe goods are guaranteed, including the software (of purchase) of the respective operating systems, whenever they are ready to operate and are used in professional activities as prescribed by the manufacturers. Max. € 15,000 in the Mais coverage and € 50,000 in the Extra coverage.
Assets of the Insured held by Third Parties: The material damages indemnified by this contract, in insured goods that have been temporarily transferred from safe locations to other locations, of the same or similar construction characteristics, within the national territory, to be repaired, worked, exposed or to avoid possible damage covered by this contract, whenever the transfer period does not exceed 30 (thirty) days.
Damage to Third Party Assets to the Insured's Guard: The payment of damages directly suffered by assets belonging to Third Parties, which are entrusted to the Adherent for safekeeping, use, work or other purpose, as a direct consequence of an accident.
Machine Malfunction: Damage caused by machine malfunction suffered by the insured goods, during the period and at the place designated in the Particular Conditions. per:
a) human errors;
b) hidden vices;
c) electrical phenomena;
d) abnormal functioning;
e) vibrations, poor adjustment or detachment of parts, abnormal loads, molecular fatigue and centrifugal force action;
f) shock, collision or introduction of foreign bodies in the safe goods. Simple aesthetic defects are considered to be excluded, even if caused by any of the aforementioned events;
g) ancillary operations.
Refrigerated Goods: Losses or damage resulting from the deterioration of safe goods stored inside cold stores as a result of their failure.
Damage to Underground Plumbing and Cables: The costs for which the Insured is legally responsible as a result of damage caused to underground water, gas and electricity cables, in the derivations that go from the secure building to the respective general network.
Acts of Terrorism: Ensures losses or damages directly caused to insured goods as a result of acts of Terrorism.
Exploration Losses: Gross Profit, Fixed Costs or Loss of Income
Exploration or Owner Public Liability
Seismic Phenomena: The damage caused to insured goods as a result of the direct action of earthquakes, earthquakes, volcanic eruptions, tidal waves, underground fire and even fire or explosion resulting from these phenomena is guaranteed.