Business

If you are an owner or tenant of commercial premises, office, shop or business premises or are a legal entity or owner of premises with no activity SegurCaixa Business is a flexible product that allows you to choose the capital, type of insurance coverage and exemptions that best suit your busness.

You can also choose the payment method that best suits you needs:  annually, half-yearly, quarterly or monthly, with or without excess.

SegurCaixa Business offers a broad coverage against possible damage caused by the most common risk incidents in the insured business.

Basic coverage includes:

• Fire, flooding, loss of rent or uninhabitable
• Water damage.
• Broken windows, signs, lights and masonry.
• Electrical damage.
• Coverage of content: furniture, machinery and stock
• Theft of goods or cash to customers and employees
• Civil Liability responsibility 
• Coverage of legal protection.
• I.T. assistance. (when contents opted for on application)

Minimum for furniture, equipment and stocks: 10,000€
Maximum for furniture, equipment and stocks: 2,000,000€

Businesses eligible:   

Shops and businesses held for sale of goods
Shops and businesses for the purchase / sale of goods
Shops, offices and businesses held for sale of services
Establishments dedicated to health, hairdressing, beauty salons, etc.
Establishments or premises for education
Hotels, restaurants and bars
Empty premises without activity

Businesses not eligible:

Warehouses
Workshops
Industrial factory
Hotels more than 4 star category
Empty premises in which any undeclared activity is carried out

All types of housing for residential use, where business is conducted
Premises constructed with less than 70% solids or nonflammable materials

Optional guarantees:

• Machinery breakdown coverage of refrigerated goods and electronic equipment.
• Loss of benefits coverage. 

Business Assistance:

• Professional services for incidents not covered in the policy
• Expenses of professional services not covered
• Sending professional emergency plumbing, masonry, locksmith, metalworker, etc.   
• Emergency power breakdown of fixed power supply installations
• 6 months warranty on work carried out by professional services
• Sending security personnel to local business when it is accessible from the outside
• Expenses of urgent return from a trip to serious business disaster at home
• Ambulance services when the incident causes bodily harm to people in the business premises 

Civil Responsibility Coverage:

• Civil responsibility as the owner of insured premises
• Robbery of/from customers and employees inside the premises
• Infidelity of employees
• Civil responsibility derived from work accidents  RC Leaseable
• Operating civil responsibility: damage or loss caused to a third party as a result of the insured activity
• RC Products and Post-work: direct damage or loss caused to a third party as a result of work performed or product distribution (of the insured activity)

I.T. Assistance:

• Remote assistance service via the Internet
• General I.T. Help  
• Management and backup protection services
• Service recovery of damaged and unreadable data
• Help in protecting against hackers