Subject to insurance is immovable and movable property for which the policyholder or his/her property is liable.

This insurance provides coverage against:

• Fire (including the effects of fire extinguishing)
• Lightning strike, explosion, or implosion
• Aircraft crash or objects and parts falling from an aircraft,
• Natural disasters (including storm, hail, torrential rain, flood, snow and ice, freezing, falling trees, branches and other external objects caused by storm or hail)
• Water leakage from pipes and installations
• Strike from vehicle or animal
• Landslide or collapse, earthquake, short circuit and/or electric shock, malicious actions of third parties
• Damage and loss during transport when moving to new address
• Cost of removing ruins and remains, moving, protecting and storing insured property and/or loss of rental income
• Fracture of permanently installed glass
• Civil liability towards third parties (including damage caused to third parties as a result of fire, fire-fighting or flooding of the insured object, which the insured is obliged to indemnify on the grounds of tort).
• Costs incurred by the insured to limit damage resulting from an insured event
• Other specific risks according to the activity and requirements of the insured

Possible extensions of coverage:

• All Risks Insurance – in order to achieve optimal insurance protection, insurance can be concluded on the basis of “all risks”. In this case, compensation will be subject to all risks arising from any sudden, accidental and unforeseen event, in addition to explicit exceptions under the terms and conditions of the insurer.

• Electronic Equipment Insurance – All electronic equipment, computers and systems for industrial or commercial purposes may be insured under this policy.