{"id":1062,"date":"2018-05-09T07:49:41","date_gmt":"2018-05-09T07:49:41","guid":{"rendered":"https:\/\/topsegur.com\/?p=1062"},"modified":"2018-05-09T07:49:41","modified_gmt":"2018-05-09T07:49:41","slug":"what-coverages-are-included-in-the-multi-risk-sme-insurance","status":"publish","type":"post","link":"https:\/\/topsegur.com\/en\/what-coverages-are-included-in-the-multi-risk-sme-insurance\/","title":{"rendered":"What coverages are included in the multi-risk SME insurance?"},"content":{"rendered":"

The protection and stability of a company after suffering some type of damage are two important factors for each entrepreneur. A company is exposed to many risks on a frequent basis and this endangers its future. The appropriate thing would be to define a list of these possible risks in detail and set up a multi-risk insurance tailored to the needs of the company.<\/span><\/p>\n

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Among all the coverages that could be included in the companies multi-risk insurance policy, the following are the most frequent:<\/span><\/p>\n

First of all, we must differentiate the type of business we are looking at. We can be talking about a shop, an industrial warehouse, a building company, transport, workshops, self-employed workers, etc. Beyond this distinction we find the following coverages:<\/span><\/p>\n

Fire, explosion and lightning<\/b><\/span><\/p>\n

This coverage guarantees the repair or replacement of materials or goods that suffered damages by any of these three causes.<\/span><\/p>\n

Water <\/b><\/span><\/p>\n

With this coverage, the company will be protected against material damage caused by water due to broken pipes, water leaks, spills, etc.<\/span><\/p>\n

Weather<\/b><\/span><\/p>\n

Sometimes a storm can cause significant damage to a property. This coverage guarantees you repair of any damage caused by weather.<\/span><\/p>\n

Glass breakage<\/b><\/span><\/p>\n

<\/a>Being probably the most fragile structural elements in a building, the possibility of breakage in case of accident or external impact is high.<\/span><\/p>\n

Robbery and damage due to theft<\/b><\/span><\/p>\n

In this way we can ensure not only the merchandise but as well the furniture or equipment. It also covers robbery of money.<\/span><\/p>\n

Electrical accidents<\/b><\/span><\/p>\n

Whether caused by a simple breakdown, a short circuit, a power surge or even due to lightning, the electrical installation of a property can be damaged.<\/span><\/p>\n

Equipment breakdown<\/b><\/span><\/p>\n

This coverage is in charge of protecting machinery and equipment either by breakdown during its use or by transport to the company’s facilities.<\/span><\/p>\n

Damage or loss of merchandise<\/b><\/span><\/p>\n

Whether due to handling or breakage of shelves or other storage problems, goods may be damaged or even become unusable.<\/span><\/p>\n

Civil liability<\/b><\/span><\/p>\n

The company’s own activity may generate incidents and claims that put the company’s assets at risk for which we must take responsibility for compensation.<\/span><\/p>\n

Loss of profits<\/b><\/span><\/p>\n

By contracting this coverage we ensure the tranquillity of the organization in case of a financial loss due to an accident with coverage or unpaid rent.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

The protection and stability of a company after suffering some type of damage are two important factors for each entrepreneur. A company is exposed to many risks on a frequent basis […]<\/p>\n","protected":false},"author":1,"featured_media":1060,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[],"_links":{"self":[{"href":"https:\/\/topsegur.com\/en\/wp-json\/wp\/v2\/posts\/1062"}],"collection":[{"href":"https:\/\/topsegur.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/topsegur.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/topsegur.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/topsegur.com\/en\/wp-json\/wp\/v2\/comments?post=1062"}],"version-history":[{"count":1,"href":"https:\/\/topsegur.com\/en\/wp-json\/wp\/v2\/posts\/1062\/revisions"}],"predecessor-version":[{"id":1063,"href":"https:\/\/topsegur.com\/en\/wp-json\/wp\/v2\/posts\/1062\/revisions\/1063"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/topsegur.com\/en\/wp-json\/wp\/v2\/media\/1060"}],"wp:attachment":[{"href":"https:\/\/topsegur.com\/en\/wp-json\/wp\/v2\/media?parent=1062"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/topsegur.com\/en\/wp-json\/wp\/v2\/categories?post=1062"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/topsegur.com\/en\/wp-json\/wp\/v2\/tags?post=1062"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}