Other Insurance

Insurance of items against all risks for building machinery and mechanical equipment

This type of insurance is the most suitable for insurance of moving building machinery and mechanical equipment, mainly excavators, cranes, dozers, graders, scrapers, dredgers, rollers, trolleys, mixers, building lifts, etc. The insurance applies mainly to damage or destruction of insured item due to fire, explosion, lightning, gale, avalanche, rock falling or landslide, hailstorm, flood, deluge, crash, fall, intentional damage. When comparing to classic insurance of machinery and mechanical equipment, this type of insurance does not include insurance coverage of inside mechanical failures due to construction defect, faulty material, short circuit, overvoltage, etc.

Insurance of building and installation risks

Insurance against interruption of machinery operation

This insurance guarantees entrepreneur compensation of consequent damage which occurred as a result of machinery damage specified in insurance of machinery and mechanical equipment. First of all the insurance company compensates the profit, which the insured entrepreneur is loosing during operation recovery and expenses that have to be spent during the time when the company is out of operation. The subject of compensation is fixed expenses and the lost profit during the time of breakdown. Nowadays this type of insurance belongs to one of the most significant, because it enables companies to pay their leasing, loan payments, employees salary, etc. even in case of breakdown. Basically, this principle should be applied - when more leasing and loan payments company has, more important is, that the key technologies and their economic results should have such insurance coverage.

Insurance against interruption of operation due to fire

This type of insurance guarantees entrepreneur the compensation of consequent damage which occurred as a result of natural disasters. In this case the insurance company compensates the profit, which the insured entrepreneur is loosing during operation recovery and expenses that have to be spent during the time when the company is out of operation (for example rent, amortizations, salaries). The purpose of insurance against interruption of operation is to assure the company stability in case of damage, to keep qualified employees and clients, position in the market as well as financial balance.