Property insurance is professional insurance that serves businesses and provides coverage for buildings, equipment, property, inventory, machinery, computer systems and other items.
It also covers companies against the consequences of material damage as well as against additional costs and business interruptions.
There is of course property insurance in the form of a complete pack or a basic pack including several types of coverage. Within the framework of a basic contract, you have the possibility of choosing other coverages in option.
In addition to these main individual property insurances, there are also more specific property insurances including:
It also covers companies against the consequences of material damage as well as against additional costs and business interruptions.
There is of course property insurance in the form of a complete pack or a basic pack including several types of coverage. Within the framework of a basic contract, you have the possibility of choosing other coverages in option.
In addition to these main individual property insurances, there are also more specific property insurances including:
- Insurance against material damage and operating losses : this insures buildings, installations, stocks and goods, against material damage and against the resulting operating losses
- Machinery insurance : this property insurance specifically insures technical equipment and machines against damage, whether internal or external, and against the resulting business interruptions.
- Reputation insurance : this insurance covers you in particular against loss of profits over a given period. The cover here can be limited to specific areas or cover the full costs in the event of a crisis, as well as the restoration of reputation.
- IT insurance : as its name suggests, IT insurance will insure the IT infrastructure against internal or external damage, but also against the additional costs incurred.
- Construction insurance : this property insurance will mainly cover construction projects against unforeseen damage due to construction accidents during the construction phase.
- Insurance against terrorism : this specific insurance will cover your company and your buildings as well as your installations, goods and stocks against material damage due to terrorism, civil unrest and war events, but also against the interruption of activities which result.
- Epidemic insurance or hygiene insurance : this covers in particular factory closures or activity bans due to official instructions, but also damage to goods that are the subject of complaints based on food law regulations.
- Parametric insurance : finally, parametric insurance aims to insure loss scenarios based on a statistical measure such as an index or a defined parameter. It can be wind or too strong or too weak rain, the level of the rivers, the periods of freezing or the number of passengers for transport.