Wiener Stӓdtische osiguranje designed a new product of property insurance which provides support to owners of artisan and other service businesses in the event of uncalled-for circumstances. For more successful business and peaceful sleep, insure beforehand your facilities and equipment you invested your money, effort and time into.
WHAT IS INSURED?
Facility – premises in the ownership of the insured or parts of the facility – premises which the insured uses in capacity of a lessee
- A separated construction facility in the insured’s ownership with all auxiliary premises
- Part of the construction facility – premises in the insured’s ownership
- A constituent part of somebody else’s facility – premises which the insured uses in capacity of a lessee, such as wall and joinery paint, various floor, wall and ceiling linings and finishes
- Glass surfaces on the windows, doors and shop windows of the facility – premises; inscriptions, decorations and protective folio provided the damage arose from the same loss event as the damage of the insured item.
Movable property – equipment and stocks
- Equipment and stocks (furniture, machines, devices and appliances, stocks of raw materials and articles);
- Items in the ownership of third parties which are taken on lease, borrowed, taken over for repair, processing or finishing, provided proper records thereof are maintained
- Special coverage is provided for cash on hand in the cash register of the premises, exclusively against the risk of robbery.
WHICH PERILS ARE YOU PROTECTED AGAINST?
- The facility – premises in the insured’s ownership or parts of the facility – premises which the insured uses in capacity of a lessee.
Basic perils: fire, thunder strike, explosion, windstorm and hail
Supplementary peril: outflow of water from installations
Additional peril: glass breakage
- Movable property – equipment and stocks
Basic perils: fire, thunder strike, explosion, windstorm and hail
Supplementary peril: outflow of water from installations
Additional peril: burglary theft and robbery
Special coverage is provided for cash on hand in the cash register of the premises exclusively against the risk of robbery.
WHICH SERVICES ARE ENCOMPASSED?
- Book-binding and allied services
- Records replication
- Sheet glass modelling and processing
- Stone cutting, modelling and processing
- Photography services
- Packing services
- Services of fitness clubs
- Repair of computers and peripheral equipment
- Repair of communication equipment
- Repair of consumer electronic devices
- Repair of household appliances and house and garden equipment
- Repair of shoes and leather items
- Repair of watches and jewellery
- Washing and chemical cleaning of textile
- Hair and beauty salon services
- Body care and body treatment services… and other similar service activities.