We will compensate you for any damage you cause to someone else’s operating activities or Product Defect, and you are required by law to compensate for it..

We will pay for damage caused by fire, smoke, explosion, lightning strike, implosion, aircraft fall, shock wave, object falling on insured property, vehicle impact into insured property.

We cover damage caused by windstorm, hail, floods, inundation, atmospheric precipitation, weight and pressure of snow, snow or ice slide, rock and landslide and avalanche.

We will cover lost profits, fixed costs (e.g. for wages) and additional costs (e.g. costs of mitigating the consequences of the insured event, for renting alternative premises, etc.)

In addition to rescue costs, we will cover the costs of demolition, tearing down or dismantling of building components, evacuation of insured property, including removal and disposal of debris, drying or cleaning, costs of moving and storing insured items, renewing documentation, replacing the lock insert and reacquiring or refilling of fire extinguishers.

We will arrange and pay for emergency assistance (e.g.  water leaking from pipes, clogged toilets or malfunctioning heating) and slammed doors, and assistance in the sudden appearance of rodents or nuisance insects (so-called deratization and disinsection).

We will pay for damages caused by water from water supply equipment (e.g. due to cracked pipes), outflow of water from the waste pipes, malfunction of sprinkler extinguisher, frost on water supply system, loss of water, water from aquariums, technological units, swimming pools, saunas, etc.

We will cover damage caused by breaking glass and similar materials (polycarbonate, plexiglass).

We will cover damages caused by theft and robbery.

We will cover damages caused by Vandalism, damage to the Fence by Game, damage to the Internal insulation by rodents or marten beasts, and damage to the Facade by animals or insects and Damage to Items in the car caused by a traffic accident.

We will cover damages caused by e.g. overvoltage, undervoltage, short circuit, operator error and malfunction of electronics and machines, the Cooling device, or malfunction of the Cooling device caused by a power failure..

In addition to liability for you, we will cover sudden and unexpected damage to the environment..

We can help you if you lose data due to an electronic failure of your computer technology.

If you arrange this insurance, we will compensate you for the damage caused by an earthquake.