This insurance protects small to medium enterprises with an extensive series of custom made products like Fire & Perils guarantee; Group Personal Accident guarantee; Electronic Equipment guarantee or Goods in Transit guarantee.
- If you have subscribed Electronic Equipment guarantee we will indemnify you for loss or damage of electronic items, by payment in cash, replacement or repair. We will cover external data media which can be directly processed in EDP systems.
- If you have subscribed the Commercial plan, we will indemnify you in respect of destruction, damage or loss of or to any of the property insured as a result of all risks of accidental physical damage (accidental physical loss, destruction or damage) other than by an excluded cause or to an excluded property occurring during the period of insurance.
- Public Liability guarantee covers all costs and expenses of litigation recovered by any claimant against the policyholder, and incurred with the written consent of MAPFRE Middlesea, in respect of a claim against the insured to which the indemnity expressed in this policy applies.
- Contractors All Risks guarantee covers the cost of clearance of debris following upon any event giving rise to a claim under this policy, provided a separate sum therefore has been entered in the schedule.
- The Contractors Plant All Risks guarantee covers the insured items at work or at rest. It pays for the items being dismantled for the purpose of cleaning or overhauling, or in the course of the previously mentioned operations themselves, or in the course of subsequent re-erection, always after successful commissioning.
- Theft guarantee pays for loss of, or damage to the property insured caused by theft or any attempted theft following upon, or followed by, violent entry or exit to or from the premises. It also indemnifies violent hold-ups and threats of violence to the insured or the employees. This includes the cost of damages to the premises.
- Goods in Transit guarantee will pay, repair or indemnify the policyholder against loss of or damage to property in transit being loaded onto or unloaded from a specified vehicle. It also covers property temporarily housed in the course of transit by a specified vehicle during the period of insurance.
- Money guarantee covers loss of money occurring during the period of insurance and the cost of repair or replacement of the safe or strong room (not otherwise insured) directly associated with any theft or attempted theft.
- Employer’s liability guarantee covers the policyholder against liability at law to pay compensation, and claimant’s costs and expenses, in respect of the bodily injury by accident or disease of an employee.