Insurance of property against all risks

The activities of enterprises are always subject to many risks that may adversely affect financial stability. Damage, destruction or loss of a property object may drastically worsen the economic condition of the company. Property insurance is a reliable protection of business from significant financial losses in case of origination of unexpected events. Insurance costs are low and you can plan them (when compared to unexpected losses).

We accept the following objects for insurance:

• fixed assets:
• buildings, offices, laboratories, premises, workshops, warehouses, depots etc.;
• interior decoration, furniture, furnishings;
• mainland pipelines, oil pipelines;
• production and manufacturing machinery and equipment, wagons, platforms, tanks, as well as containers, pallets etc., electronic and office equipment;
• ATMs, payment and information terminals;
• current assets: production and commodity reserves, finished goods, products, raw materials, work in progress and other goods and materials;
• capital construction objects;
• religious objects, works of art, unique and antique objects, goods made of precious metals and precious, semi-precious and ornamental stones, as well as precious metals in the form of ingots, rimless precious stones, museum exhibits, display units.

Basic insurance coverage includes the risk of fire (regardless of origination causes, including arson), lightning stroke, explosion, crash of a manned flying object, sound wave impact.

In addition to the basic insurance coverage, you may choose insurance of property from:

• natural disasters;
• water action;
• breakdown (failure) of machinery and equipment, including electronic equipment;
• burglary, robbery, plunder;
• destruction, damage (spoiling) of goods stored in refrigerators;
• road traffic accident;
• other effects: falling trees, ice etc., actions of animals, collapse of buildings etc.

In case when an insurance event arises, we will reimburse the expenses incurred to restore the damaged property or the value of destroyed property. The insurance coverage may also include the costs of shearing the insurance place (ruins dismantling, rubbish collection, disposal of scraps etc.), as well as war and strike risks (loss of or damage of property as a result of military actions, civil commotions, strikes, as well as because of a civil war, seizure, confiscation, requisition, nationalization, arrest or destruction of property on demand of governmental bodies).

In addition to insurance of the property complex, we offer insurance of losses arising from forced interruption of production. If, as a result of damage, destruction or loss of insured property, the enterprise stops its activities, the insurance policy will help to compensate for the operating expenses of such an enterprise during the forced production break: wages, guarantee and compensation payments to employees during the forced production break, taxes and duties payable regardless of the turnover, rental (lease payments) for the equipment, premises or other damaged property, interest on loans, depreciation amounts for recovery of fixed assets etc.

The value of the insurance policy depends on:

• the activities of the insurant;
• the type of property;
• qualitative characteristics of the property;
• conditions of maintenance and operation of the insured property (presence of fire-extinguisher systems, burglar alarm systems etc.);
• the value of property accepted for insurance;
• the volume of insurance coverage (set of insured risks);
• the duration of the insurance period.

We offer discounts in case of:

• insurance of public service objects - up to 50%;
• insurance of administrative buildings - up to 20%;
• insurance of capital construction objects - up to 10%;
• presence of automatic fire extinguishing units- up to 30%;
• presence of the burglar alarm system - 20%;
• stop-loss insurance - up to 40%;
• insurance against all risks - up to 40%;
• presence of voluntary insurance contracts related to other types - up to 10%;
• an application for conclusion of an insurance contract via Internet - up to 10%.

Our advantages:

• optimum ratio of the value and volume of the insurance coverage;
• long-term experience in insurance of large corporate risks;
• extremely convenient services: from convenient and quick issue of the policy up to prompt settlement of losses by qualified experts;
• guarantees of insurance coverage reliability - significant amount of own funds and effective reinsurance system;
• ability to pay for the insurance policy in installments: during two terms, quarterly or monthly;
• flexible system of tariff rates and discounts;
• insurance premiums paid by a legal entity with regard to insurance of property participating in the process of manufacture of products, goods (performance of works, provision of services) are included in the costs of manufacture and sale of products, goods (works, services), which are accounted for in the process of taxation (Decree of the President of the Republic of Belarus No 280 dated May 19, 2008).

How to obtain the policy?

Just call the corporate sales manager by dialing (017) 209 43 27 or contact our affiliates. A qualified expert will answer all your questions. We appreciate your time and we are ready to come to your office to do the paperwork.