Insurance protection of the property of entrepreneurs engaged in small and medium business against damage, loss and natural disasters.
In case of fire, explosion, storm, hurricane, hail, heavy snowfall or severe frost, hailstorm, avalanche, loss or damage to property and goods as a result of subsidence, erosion, rise of underground water, flood, lightning strike, earthquake, unlawful actions of third parties, burglary.
EXCEPTIONS TO THE INSURANCE EVENT
The following are not considered an insured event:
If the policyholder's property and material assets are damaged as a result of the policyholder's gross carelessness, knowingly (intentionally) actions or inaction, (life, health, dignity, honor with the exception of cases related to protection or performance of civic duty);
If the insured is given false information about his property and material assets during the conclusion of the insurance contract (insurance policy).
Due to the events of the following political description, the damage caused to the property and material assets of the goods will not be partially or fully compensated:
war and hostilities (whether or not war has been declared), riot, revolution, insurrection, insurrection, sedition, strike, lockout, usurpation of government, acts of terrorism, confiscation , requisition, acts of demolition or damage on the order of the government or its constituents, nuclear reaction, nuclear radiation or radioactive damage or destruction.
TERM OF INSURANCE
PAYMENT OF INSURANCE INDEMNITY
In the event of an insured event, the insured shall submit the following documents to the insurer:
Notification of an insurance event;
A certificate confirming the damage or destruction of property and goods as a result of an insurance event and an explanatory letter of the legal entity or individual responsible for the insurance event;
Documents of official organizations confirming the insurance event;
Photographs of property and goods damaged as a result of the insurance event;
Other information about the insured event known to the policyholder. The insurer examines the submitted documents and decides whether the insured event has occurred or not.
The insurance coverage is paid to the policyholder within 10 (ten) banking days from the date of signing the document confirming the recognition of the insured event.