What does the Office Insurance have to offer?
Given the different needs for each type of activity, Euroteide Insurance (Insurance Brokers and Consultants) suggests and recommends an Insurance especially designed for offices. Because nobody knows better than you what the real needs of your business are, we offer you the possibility of making an personalised insurance, so that you can carry out your activity with full guarantees.
Would you like to learn more? Call us!
Fire, explosion, lightning strike and smoke
The Insurance will take care of the direct material damages caused by these eventualities in the insured premises. In addition, in case of fire or explosion, damages caused by office facilities, machinery or unintentional accidents are considered.
Damage of electrical origin
Among the most common damages are those caused by power surges, short circuits or overloads in devices connected to the electrical network. This guarantee also offers you the option of covering both electrical and electronic equipment and installations, you decide.
Water damage
We include the damages caused by water in the insured premises, coming from the facilities themselves or from the premises or adjoining homes, including leaks and fault location and repair.
Glass breakage
Including accidentally broken glass panes in the insured premises, including both fixed doors, window panes and other elements installed, such as signs, or sanitary ware.
Theft and robbery
Compensation in the event of theft from the insured premises and also in the case of the robbery of those insured assets stolen by intimidation or violence. In addition, this essential guarantee extends to damages caused to the building by this same cause.
Breakdown of machinery and electronic equipment.
If you contract this guarantee, it will cover material damages to machinery and electronic equipment installed in the insured premises, necessary to carry out your professional activity.
Civil liability
When carrying out your work you may encounter situations in which you must respond to third parties. With this coverage, beyond the guarantees required by law, you will find others of enormous help in claims related to your premises, your work or your employees, for loss of third party documents or those produced as a result of work carried out outside the premises where you usually carry out your activity.
Expenses derived by accidents
Protection against possible damages that may be a consequence of any of the cases included in the product, such as aesthetic damages, replacement of files and documents, or demolition, rubble removal or rescue expenses.
On-site and remote computer assisted services
Coverage adapted to new technologies that puts a 24-hour telephone at your disposal for assistance regarding software, computer purchase, configuration, installation and use of technological devices. It also includes a face-to-face computer assistance service both to collect the damaged device for repair, and to provide technical assistance at the insured office.
Optional coverage
- Loss of profit
Coverage aimed at protecting your benefits in the face of any eventuality that prevents you from carrying out your professional activity normally. It also has three modalities for you to choose the one that best suits your specific needs: daily compensation, loss of gross profit and loss of rent.
- Legal protection
We place at your disposal this optional coverage through which you will receive the best legal protection in various situations, such as claiming a third party for damages suffered by your business, or for breach of contracts, or defense in administrative and criminal matters.
- Fully comprehensive accident insurance
With this guarantee we cover accidental damages caused in the insured office, that is, those that occur suddenly, accidentally (which cannot be foreseen or avoided) and whose cause is beyond the control of the insured.
- Other coverages
In addition, you have other guarantees at your disposal, such as those designed for premises for rent, including protection against acts of vandalism caused by the tenant or legal protection of the lessor if necessary.
For whom is this insurance designed?
The Office Insurance suggested and recommended by Euroteide Seguros (Insurance Brokers and Consultants) is aimed at self-employed workers who carry out their activity in an office or personal office as well as for entrepreneurs whose activity is carried out in a large office.
What is considered "container"?
The container is the building or premises in which the insured activity is carried out, including the foundations, walls, ceilings, doors and windows it comprises, is considered as a building.
In addition, annexed buildings such as warehouses, garages and storage rooms located on the farm or in a building less than 30 meters away and with characteristics similar to those of the main construction are also considered as container.
Finally, we consider as premises the antennas, awnings and signs belonging to the insured building and the possible recreational or sports facilities.
What is considered “content”?
Contents are those goods that are inside the insured premises, including the furniture of the establishment and those non-fixed elements of decoration. The machinery, electronic equipment, tools and work supplies necessary to carry out the insured activity are also included in the contents.
If I am a tenant of a local and I do a small work, can I include it in the insurance?
Yes. You have the possibility to include the continent changes made by the improvement of your premises within your content insurance. You will only pay the corresponding part of the continent that you have improved with your investment. The rest of the value of the continent of the premises will continue to be assumed by the owner.
What does the guarantee of “lost profit” consist of?
This guarantee protects your profits against certain situations beyond your control that do not allow you to develop your business normally. There are three modes available:
- Daily compensation for each working day in which the business must remain closed, up to a maximum of 90 days
- Compensation for loss of gross profit due to a reduction in business volume or an increase in operating cost
- Compensation for loss of rent linked to the inability to use the premises while repairing the damage
Do you have more questions about this insurance policy?
We call you to inform you and arrange an appointment in order to study your characteristics and to be able to offer you the Insurance with the coverages that you need. Office hours: From 9:00 Hrs. at 13:30 p.m. From 15:30 Hrs. at 18:30 Hrs.
