Subject of the insurance are all financial losses suffered as a result of various contractual terms as a result of the occurrence of insured events, as per the insurance risks, taken by the Insurer. The insurance can cover risks, related to employment, general insufficiency of income, unforeseen commercial expenses, loss of market value or other /non-commercial/ financial losses.
Parties of the contract are:
insurer, who agrees to take the risk, related to the signed contract
the insurer – legal entity or natural person, who receives insurance protection against financial losses.
Depending on the character of the guaranteed obligation of the liable person, the agreed insurance coverage includes:
Financial losses, related to renting of real property;
Financial losses or expenses incurred by the Insured person – supplier or contractor of commercial contract;
Financial losses as result of bad weather, as a result of fire and natural disasters;
Loss of income due to a failure of machinery;
Loss of remuneration;
Losses as a result of non-payment of leasing installments;
Loss of market value;
Indirect commercial losses;
Other non-commercial financial losses;
Other financial losses.
Determined as per the volume and the character of the covered risks. For example, the commercial loss insurance take in consideration the turnover and the financial result of previous years, with non-commercial loss – value of the property, and in case of income losses – the periodic remuneration, subject of the insurance.
Insurance term: – 1 year
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