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A
business insurance covers all the contents of the business;
stock, machines, inventory, etc. The cover is on the address
of the business, but can be extended to
cover items, belonging to the business, which have been placed
in a different location temporarily.
The
insurance consists of several different covers. We advise you
always to choose
cover against fire, theft and
water damage. However as all businesses are
different, it is important to put together exactly the cover
that is needed.
Here
are some examples of various covers, which could be
advantageous for your business insurance:
Fire:
A
fire insurance covers for damages on business contents, when
the damage arises as a result of fire, explosion or lightning.
Theft:
The
insurance covers damage caused by burglary, open theft or
robbery.
Water:
The
insurance covers damage caused by an outflow of water, oil or
coolant.
Operating
loss:
The
operating loss insurance covers the loss that can occur as a
result of a decrease in turnover after a damage.
Operating
loss insurance can be done with a cover period from 3 months
to 24 months.
To
avoid “key” employees leaving the business after a damage,
this insurance can also be extended to cover salaries fully or
partially.
Electric
damage cover:
The
business insurance can be extended to cover electrical and
electronic instruments, components and cables, belonging to
the running of the business.
Portable
tele, measuring & it-equipment:
Can
also be covered under this insurance, also when it is
transported and used outside the business.
Theft
from workplace:
Compensation
for theft of tools and materials from a locked building,
workmen’s hut or container on workplaces.
Other
sudden damage – All Risk cover:
Compensation
for all physical damages that suddenly and unforeseen arise,
ie. vandalism.
Outdoor
production equipment:
This
insurance module covers production equipment fixed onto the
building, by ie. theft, vandalism, collision or storm damage.
Cold
storage and freeze module:
Here
your freezer / cold storage room inside the building is
covered; also covered is damage on food in the freezer / cold
storage room.
Transport
insurance:
Compensation
by theft or damage of collections, stock, tools and exhibition
material belonging to the business during transport.
Glass
and basin insurance:
Compensation
by breakage of glass case, windows, toilets, wash basins, etc.
Signs
and façade cover:
Compensation
by damage of signs, sign posters, façades, etc.
Open
theft and robbery:
Covers
cash, cheques, securities, etc.
Cash
money during transport:
Covers
the employee or yourself, when you go to the bank with larger
amounts.
Cash
money in safe / classified safe:
Compensation
by theft of cash, cheques, securities, etc. situated in an
approved safe.
This
page does not give you all the information about business
insurance.
However,
it gives you an idea of the many possibilities there are to
tailor make exactly the cover you and your business might
need.
Insurance
can be complicated, and it can be difficult to get a general
view, but call us and we can answer your questions and give
you the assistance you might need.
“We deal you the best hand”
…
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- for your peace of
mind!