Covers
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Comfort
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Plus
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Extra
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Max
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What does it cover?
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Fire insurance (FLEXA)
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✓
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✓
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✓
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✓
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Damage caused by fire and smoke, explosion, collapse, lightning, lightning surge, foreign objects falling, aircraft and unknown ground vehicles.
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NATCAT
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✓
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✓
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✓
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✓
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Damage caused by storms, hail, cloudbursts, floods, earth movements and snow pressure.
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Business interruption
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✓
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✓
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✓
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✓
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Loss of profit and fixed costs due to an insured event covered under the selected Allianz My Company Business Insurance package.
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Basic liability
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✓
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✓
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✓
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✓
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Injury to life, physical safety, health and/or damage to property caused by the breach or non-performance of the contract, as well as damage to the product caused by a defective product for which your company is legally liable. Also cases where your company is legally liable for an accident at work suffered by the employees.
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Insured expenses
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✓
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✓
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✓
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✓
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The costs of debris removal in connection with the insured event at the insured location, the costs of damage mitigation and the costs of repairs related to fire protection.
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Basic assistance
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✓
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✓
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✓
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✓
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Emergency assistance by professionals to avoid further damage due to insured events.
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Water damage
|
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✓
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✓
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✓
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Damage caused by water spilling from pipes, water from sewage pipes, water from technology pipelines.
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Glass breakage
|
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✓
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✓
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✓
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Damage caused by glass breakage or breakage of non-glass based translucent, polymeric, polycarbonate building structural elements, as well as intentional damage to insured glass surfaces and non-glass based translucent, polymeric, polycarbonate building structural elements.
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Burglary and robbery
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|
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✓
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✓
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Damage caused by burglary and robbery
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Vandalism
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|
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✓
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✓
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Damage caused by vandalism: intentional damage or destruction of the insured property by an unknown person.
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Breakage of building engineering machinery
and office electric
appliances
|
|
|
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✓
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Accidental, unexpected, accidental breakdowns, damage caused by faulty installation, assembly or improper operation of machines for building services and building management systems and office electronic equipment, incorrect setting of these machines, overpressure, overheating, short circuit, overload, override, lack of boiler water, centrifugal force, material defect, design defect, manufacturing defect.
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Extended liability
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|
|
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✓
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Cases where your business causes injury to life/body/health and/or damage to property of a third party as a result of a sudden, unexpected, accidental, unforeseeable event, due to the escape, spillage or other release of smoke, fumes or other infectious or polluting substances, which is part of the normal operating mode of the business, for which it is liable under the rules of civil law.
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Extended assistance
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|
|
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✓
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Providing data recovery assistance in the event of data loss due to the failure of insured office electronic devices caused by insurance events.
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Earthquakes (cover available on separate request)
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|
|
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Damage to insured property caused by an earthquake
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