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Liberty Commercial Premises insurance (Castellano)

Basic cover

The product offers competitive benefits in all aspects, in terms of the scope of cover and of application and competitive rates.

Loss or material damage to the building and/or contents.
Pursuant to the limits and conditions agreed upon in the policy, direct material damage and/or losses sustained by buildings or contents are covered, including items construed as valuable objects, providing that the value does not exceed €1,800, and items of a higher value that are expressly listed in the schedule. Damage as a result of the following causes is covered:

Fire and its effects on the goods of the insured, in addition to expenditure incurred through the transportation of goods in order to safeguard them against fire.
Explosion or implosion even if not followed by a fire, and in addition to the inevitable consequences of the event.
Lightning even if not followed by a fire.
Water damage and material losses due to water leaks and overflows.
Location and repair of damage. Failure to turn off taps.
Vandalism or acts of disorder, including those caused by legal strikes, meetings and demonstrations in accordance with the legislation in force.
Natural phenomena, understood as rain, storms, hail, snow, wind and gales in excess of specified intensities and not covered by the Insurance Compensation Consortium.
Flooding, as a result of the overflowing or accidental diversion of the normal route of water courses, such as canals, irrigation channels, gullies, river beds, sewers or other similar flows.
Smoke of whatever cause, except for the ongoing action of smoke on the insured goods and smoke damage generated on premises other than those insured, unless as the result of a fire.
Impact, terrestrial or maritime vehicles and/or animals, in addition to the fall of airborne objects.

Liberty Commercial Premises insurance (Castellano)

CONTENTS

0 Preliminary article - Definitions

1 Object of the insurance

2 Insured property ( Structure: / Contents: .. 1. Furniture and machinery / 2. Stock / 3. Valuable objects )

3 Covers ( A. Basic covers ( A.1. Material damage or losses sustained by the building and / or contents [ 1. Fire, explosion or implosion, lightning [ Fire / Explosion or implosion / Lightning ] / 2. Water damage / 3. Vandalism or riotous acts / 4. Natural phenomena /

5. Flooding / 6. Smoke / 7. Impact / 8. Sound waves / 9. Spilling or leaking of extinguishing devices /10. Electrical damages.htm / 11. Temporary removal / 12. Breakage of glass ] / A.2. Expenses and losses associated with material damages [ 1. Demolition and debris removal expenses / 2. Fire extinguishing expenses / 3. Costs incurred for the clearing and removal of mud as a result of flooding / 4. Any costs incurred by the insured to refill any fire extinguishing equipment used / 5. Any costs incurred to obtain permits and / or licences / 6. Professional fees / 7. Loss of rent / 8. Forced eviction / 9. Replacement of documents / 10. Expenses incurred in the aesthetic reconstruction of the building ] / A.3. Claims for damages [ Object of the insurance / Benefits from the insurer / Insured sum /

Procedure in case of loss / Payment of fees / Conflict of interests ] / A.4. Assistance at the business premises [ 1. Personal assistance ( Sending a professional substitute / Early return due to theft with violence or fire in the premises / Early return due to the death of a member of the management team / Theft with violence or loss of credit cards / Medical transport in the case of accident or illness /

Sending a nurse to the insured's residence / Sending medication to the insured's residence / Transmission of urgent messages ) / 2. Assistance linked to the loss (

Organisation of the transfer of insured contents to a furniture repository / Security personnel / Sending of professionals to repair the damage caused by a loss covered by the policy / Sending of professionals to repair the damage caused by loss not covered by the policy / Emergency electricity / Emergency locksmith / Legal advice in case of theft with violence ) / 3. Information and advice (Legal information service Succession rights / Consumer defence / Tax matters / Criminal procedure / Employment - related matters / Urban leases ] / IT advice service (

Extensions of the service / Limitations of the service ) / Vehicle rental management service ( Procedure to follow in the case that assistance is required ) / Extension of the service / Limitations of the service ) ] ) / B. Optional covers [ B.1. Automatic cover for goods / B.2. Deterioration of goods in refrigerating appliances / B.3. Theft with violence and theft with intimidation ( Theft with violence and theft with intimidation to building and contents / Theft with violence and theft with intimidation of cash in the insured premises / Theft with intimidation to customers, employees, visitors or the insured in the business premises / Theft with violence, theft with intimidation, loss and accidental damage caused to keys / Theft with intimidation of fund transporters ) / B.4. Employee dishonesty / B.5. Consequential losses [ Definitions / Types of policies ( Daily indemnity / Loss of profits / Permanent General Costs ) ) ] / B.6. Machinery breakdown - Electronic equipment / B.7. Civil liability ( Public liability / Product liability / Employer's liability ) ] )

4 Risks excluded from all guarantees

5 Automatic adjustment ( 1. Concepts to which it applies / 2. Readjustment / 3. Average rule / 4. Compensation of capitals )

6 Declarations of risk

7 Information when arranging the insurance, withholding or misrepresentation

8 Information and visits

9 In case of an increase in risk

10 Powers of the insurer before the increase in risk

11 Consequences of not reporting an increase in risk

12 In case of a decrease in risk

13 In case of transfer

14 Execution and effects of the contract

15 Period of cover of the insurance

16 Payment of the premium ( 1. Time of payment / 2. Place of payment / 3. Consequences of non-payment of the premium )

17 Losses - processing ( 1. In case of losses due to risks guaranteed by the policy, except for civil liability / 2. In case of loss in the Optional Cover regarding the deterioration of goods in refrigerating appliances / 3. In case of loss due to theft with violence, theft with intimidation or employee disloyalty / 4. In case of loss giving rise to claims for Civil Liability )

18 Obligations in case of loss

19 Appointment of loss adjusters

20 Appraisal of damages ( Partial loss / Total loss / Daily indemnity / Loss of profits / Permanent general costs )

21 Calculation of the indemnity

22 Concurrent insurance

23 Indemnity payment

24 Termination of the contract

27 Legal defence of the insured

28 Termination and nullity of the contract

29 Limitation period

31 Relevant jurisdiction

32 Communications

33 Indemnity clause for damage. To goods covered by the Insurance Compensation Consortium for losses derived from extraordinary events occurring in Spain ( 1. Covered extraordinary events / 2. Excluded risks / 3. Deductibles / 4. Extension of the cover / Procedure to follow in the event of a claim covered by the Insurance Compensation Consortium)

Liberty Commercial Premises insurance

Information statement