PROPERTY OF LEGAL ENTITIES /SMALL ENTERPRISES/ SHOPS AND OFFICES…

Subject of the insurance:

Movables and real estate, owned by legal entities. The insurance is intended for production companies, shops, warehouses, agricultural sites, sites of the state and municipal administration, education, healthcare etc. at real value up to 1,000,000 BGN.

• Real estates – offices, shopping centers, production buildings.
• Movables – office equipment, machines and facilities, economic stock, inventories.

Covered risks

Basic covers

• fire, including the consequences of its extinguishing, explosion, lightning, impact by a plane or other aircraft, or by objects, falling from them;
• natural disasters, like storm, hurricane, hail, flooding, falling trees and branches;
• land sliding or collapsing of earth;
• weight caused by natural weight of snow and ice;
• watering as a result of Water and Sewage system malfunctioning;
• malicious actions by third parties (vandalism);
• impact by a vehicle or animal;
• expenses, related to cleaning of debris, dismantling or demolition, fencing or strengthening, fees for architects and/or experts;

Additional covers:

• theft through braking and/or technical equipment, robbery;
• earthquakes etc.
• breakage of permanently installed windows;
• Third-party liability;
• Money in strong-box.

Insurance sum:

• Based on the real property value, determination of each item separately.
• Based on Initial risk
• Part of the risks are limited – third-party liability, windows breaking, malicious actions.

Insurance premium

– as per the Insurer’s tariff in force, determined as a percentage of the insurance sum.

Insurance term – one year.