Corporate property insurance

In today's dynamic business environment, where unforeseen events can significantly impact financial stability and operational continuity, property insurance for legal entities is not just an option but a critically important strategic investment. This service provides comprehensive protection for your business against unexpected financial losses and risks associated with damage or destruction of material assets.

Who can be the policyholder?

Any legal entity, regardless of its organizational and legal form or ownership structure, can enter into a corporate property insurance contract. This includes large corporations, as well as small and medium-sized businesses aiming to minimize potential losses from unforeseen circumstances.

What can be insured?

A property insurance policy covers a wide range of assets fundamental to the functioning of any enterprise:

Real Estate: This category includes the structural elements of buildings and structures (walls, foundations, roofs, ceilings), as well as internal and external finishes (plaster, paint, floor coverings, doors, windows). This protects both your production or office spaces and their internal condition, which is crucial for business operations.

Equipment: This category encompasses various equipment used in your operations. This can be production equipment (machine tools, production lines), commercial equipment (display cases, refrigerators, cash registers), or office equipment (computers, printers, office furniture). Equipment insurance guarantees compensation in case of damage or loss, allowing for quick restoration of work processes.

Other Inventory and Material Assets (IMAs): This category includes all other material assets valuable to your business. This may consist of raw materials, finished products, warehouse materials, tools, inventory, and any other current or non-current assets not classified as real estate or equipment.

Comprehensive protection:

To ensure the highest level of security and simplify the management of insured risks, we offer the option of concluding a comprehensive insurance contract. This contract combines property insurance with corporate civil liability insurance. Such an approach allows your business to be protected not only from losses related to your own property but also from potential claims by third parties that may arise from your operations.

Calculation of insurance cost:

The cost of insurance coverage is calculated individually for each client, taking into account the unique characteristics of your business and the scope of risks. To receive an accurate calculation and detailed consultation, please contact the highly qualified specialists at PJSC "Company "PRESTIGE." For an efficient determination of optimal insurance terms, please provide the following information:

Required scope of insurance protection (insurance sum): This is the maximum amount the insurance company will pay in the event of an insured incident. It should reflect the real value of your property.

Desired insurance term: Specify the preferred period of the insurance contract (e.g., one year).

Type of activity you conduct: The nature of your business impacts the level of risks (e.g., manufacturing enterprises may have higher risks than office-based businesses).

Intended use/purpose of the property and its operational specifics: For example, whether the building is used as a warehouse, production workshop, office, and if there are specific operational features that might affect risks (e.g., the presence of flammable materials).

Desired deductible amount: The deductible is the portion of the loss not reimbursed by the insurance company. A higher deductible generally leads to a lower policy cost, and vice versa.

Availability of property protection measures for the insured property: The presence of fire extinguishing systems, security alarms, video surveillance, and other safety measures can significantly reduce the insurance tariff.

Allow us to help you build a strong foundation for the sustainable development of your business by ensuring its reliable protection against unforeseen threats. Contact PJSC "Company "PRESTIGE" today, and we will offer you a personalized solution that meets your needs.