Property and community

What does cover: Property and community?

CoverWITH AND WITHOUT EXCESS * *

Temporary incapacity, in the event of a claim

Not being able to work, due to a claim. For example: If your business must remain closed because of a fire, economic losses would be covered.

Fire, explosion, smoke, or soot

Atmospheric phenomena, lightning, flood, shock, impact, and sonic waves

Electrical damage

Breakage of sanitary items

Total ruin

Material damage caused as a result of works carried out and which compromise the mechanical resistance and stability of the building. The competent authority will officially declare the total ruin of the property and the clearance of the same.

Vandalism

Express intention to spoil by a third party. For example: In the event that someone damages your business, repairs would be covered.

Water damage (locating and repairing water leaks)

Theft and plunder

Civil liability, bonds, and defence

Legal assistance. This cover allows you to cover the costs of the process and your lawyer in the event of a trial.

Windows

Cover additional

Aesthetic damage

The loss of continuity and aesthetic coherence of a home after repairs, and which cannot be done without modifying the initial aesthetics of the floor, walls, and ceilings.

Key replacement

Employee disloyalty

Dishonest fraud committed by an employee.

Computer breakdown

Replacement of files

Refrigerated goods

Food and/or products that have gone off in the fridge, for example due to a drop in voltage.

Breakdown of machinery

Repair of damaged machines in the event of an accident.

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