since 2/2000
Commercial Premises insurance - Spain
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Liberty Commercial Premises ( Castellano )
CONTENTS
0 Preliminary article - Definitions
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 )
7 Information when arranging the insurance, withholding or misrepresentation
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
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
24 Termination of the contract
27 Legal defence of the insured
28 Termination and nullity of the contract
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 - Important Note