What makes our multi-risk industrial insurance different
Our Business combined insurance is a comprehensive industrial multi-risk policy that offers medium and large companies the coverage necessary to protect their activity, in a single product. It includes a legal defence and claims service, and other customisable coverage is also available, depending on your company's economic activity.
What multi-risk industrial insurance covers
- Material damage due to fire, explosion or lightning.
- Electrical damage to transformer stations, electronic equipment and/or electrical machines.
- Extensive risks, such as vandalism or malicious acts, rain, hail, snow, flooding due to breakage or overflowing, smoke and impact of land vehicles.
- Water damage, including locating and repairing leaks and malfunctions.
- Material damage due to theft, robbery and breakage.
- Material and bodily harm caused to third parties, arising from the company's activity and the products it manufactures or markets.
- Material damage all risk coverage.
- Employee disloyalty.
- National and international transport.
- Machinery breakdown.
- Electronic equipment.
- Claim expenses covered.
- Cost of extinguishing fire.
- Demolition and debris removal expenses.
- Cost of replacing files, deeds, etc.
- Cost of sludge removal.
- Salvage costs.
- Additional expenses for overtime.
- Professional fees.
- Fees for technical experts.
- Municipal fire service charge.
- Permits and licences.
- Employees' effects.
- Goods owned by third parties.
- Goods temporarily moved.
- Lawn, trees and plants
- New acquisitions.
- Decorative items.
- Renovation work.
Some of the guarantees are taken out with excess, but can be modified to suit the needs of each company:
- Fire arising from welding.
- Electrical damage.
- Extensive risks.
- Water damage.
- Civil liability.
- Goods transported.
- Damage to vehicle.
- Employee disloyalty.
- broken windows
- Civil liability for loads.
- Mechanical failure.
- Self-propelled machinery.
- Electronic equipment.
- Material damage all risk coverage.
- Consequential losses.
We support you in the defence of your company's interests.
- Legal helpline.
- Claims for rights relating to the premises.
- Claims for excess in cases of material damage.
- Service contract claims.
- Defence of your rights before the Insurance Compensation Consortium.
- Criminal defence.
- Claims for damages.
- Defence in administrative matters.
- Defence of your interests when dealing with the Labour Inspectorate.
- Defence regarding employment contracts.
Services included in Business combined insurance
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FAQs
Our industrial multi-risk insurance covers the assets and interests that comprise the company's own assets. It includes renovations and improvements made to buildings owned by third parties, provided that they are directly related to production or marketing assets owned by the company and used for its operations.
- Building: main or ancillary constructions and their fixed installations (water, gas, electricity, heating, air-conditioning and others forming part of the building). This also includes fixed decorative elements and partition walls.
- Equipment and machinery: movable goods and professional office, trade or industrial items, machinery and installed units, tools and equipment needed for the insured profession or activity (machinery, furniture and fittings).
- Inventories: raw materials, products in the process of manufacture and finished products, packaging, spare parts, accessories, products for sale and auxiliary materials owned by the insured party and needed for the activity. With the possibility of taking out a floating insurance policy.
The guarantees with excess of this insurance policy, which can be changed depending on your company's economic capacity, are the following:
- Fire arising from welding work.
- Electrical damage.
- Extensive risks.
- Water damage civil liability.
- Goods transported.
- Damage to vehicle.
- Employee disloyalty.
- broken windows
- Civil liability for loads.
- Machinery breakdown.
- Self-propelled machinery.
- Electronic equipment.
- Material damage all risk coverage.
- Consequential losses.
To access the Legal Advice helpline, you must request it by submitting a claim report. You can request the claim report from your mediator or by calling our helpline on 917 83 83 83.
Once you have signed up for the policy, you will receive an email with the web address and passwords to access Iberinform. From this point on you will have direct access to this service.