Artisan and Service Industry

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.