The insurance subject may be the property owned or possessed on the basis of a legal title by the Insuring, including:

• buildings and structures,
• machines, devices, equipment,
• current assets,
• third party's property,
• investments,
• labour belongings.

The insurance coverage includes damage caused by unpredictable random events (listed in the General Insurance Conditions )

Insurance covers damage resulting from events being covered by the fire and other random events insurance.

The subject of the insurance is property you own or have a legal title to, e.g. machines, devices, current assets, third party's property, and labour belongings.

The subject of the insurance is property you own or have a legal title to, e.g. buildings, offices, including stationary elements of interior design, machines, devices, current assets, third party's property, and labour belongings.

We pay compensation for damage caused by complete or partial breaking or cracking of the insured property. We refund, within the insurance amount, the cost of replacing glass temporarily or express services, and also the associated services, such as:

• express replacement service,
• erecting scaffoldings,
• transport,
• writing inscriptions.

Current assets are insured both in the place of insurance (from e.g. fire, lightning, flood, hail, storm, snow, earthquake, flooding, stealing with burglary, robbery), and also during transport (from robbery, car accident, stealing resulting from an accident).

The property is insured along the whole transport route, covered by means of one or many vehicles, independent of whether it is transported by professional carriers, or on one's own.

The standard insurance option covers responsibility for damage caused by defects or damage of the transported property due to fire, lightning, explosion, hurricane, flood, rain, avalanche, land collapse and slide, fall of aircraft on the vehicle, accident and robbery.

The complete insurance option covers responsibility for all risks listed in the standard option, and additionally for damage resulting from burglary, stealing of property together with the vehicle, and other reasons, if they caused breakage, crashing, leakage, tearing, spilling, staining, bending,  crumpling, wetting or scratching the transported property.

The insurance covers damage caused by electric current – short circuit, excessive increase, decrease or complete shut-down of electric voltage, incorrect functioning of safety precautions protecting these devices.

The insurance covers losses caused by breakage or damage of equipment in such a way it cannot function properly, and also loss of property due to burglary or robbery. In case of a portable equipment the insurance covers the risk of dropping as well.

The insurance covers all electronic devices included in the list of equipment from the moment of getting ready to be used in the insured place, stated in the insurance contract.

We provide insurance coverage in case of permanent health loss or death. One may choose between two options:

• complete protection - 24/7
• employment protection – at the workplace, and also on the way from home to work and from work home.

The insurance contract is signed for oneself and for the insured employees.
Any person below 70 years of age can be insured.

The insurance contract covers damage caused unintentionally, including gross negligence. Delictual Third Party Insurance contract constitutes the basis for extending the coverage onto the following insurance options:

• Contractual TPI,
• Product TPI,
• Tenant's TPI,
• Employer's TPI.

It refers to the responsibility of the building's owner in case when the rented property is damaged due to the business run by his client.

A - representatives,
B – automatic coverage,
C – place of insurance,
D – resignation from underinsurance charge (Leeway),
E – inclusion of risk of power surge in the result of direct lightning strike,
F - transfer,
G - lien.

Territorial range

Labour belongings is covered by the insurance in Poland at the workplace, while the movables are insured all over the world.