Building and Assets Insurance

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DESTINE INSURANCE BROKER – REINSURANCE is the partner you need in the process of identifying the risks to which your business is exposed and the insurance product that can protect it in the best way, so as to obtain maximum efficiency in solving problems caused by an event covered by the construction-assembly insurance policy.

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Usually, this building insurance policy contains coverage for material damages and civil liability to third parties.

The insurance of the construction works and the responsibility of the constructor cover the losses that occur at the construction works (industrial, civil, hydrotechnical, roads and bridges), at the materials and temporary works. Insurance companies use certain standard policies, which include minimum coverage conditions and can be extended, depending on your specific needs.

Insurance of goods

The subject of this insurance is:

  • the buildings owned by the legal entity;
  • goods: machinery, installations and equipment, goods.

natural phenomena, fire, lightning, explosion, body falls, collision by vehicles, sonic boom, atmospheric phenomena (storm, hail), alluvium, weight of snow / ice, piped water; theft (by burglary or robbery), vandalism.

  • disposable goods;
  • accidental damage;
  • strikes, riots, civil unrest;
  • housing risk (if the insured is a tenant).
asigurare-constructii-montaj-persoane-juridice
asigurare-constructii-montaj-persoane-juridice
Insurance of goods

The subject of this insurance is:

  • the buildings owned by the legal entity;
  • goods: machinery, installations and equipment, goods.

natural phenomena, fire, lightning, explosion, body falls, collision by vehicles, sonic boom, atmospheric phenomena (storm, hail), alluvium, weight of snow / ice, piped water; theft (by burglary or robbery), vandalism.

  • disposable goods;
  • accidental damage;
  • strikes, riots, civil unrest;
  • housing risk (if the insured is a tenant).
asigurare-constructii-montaj-persoane-juridice-destine-broker
Construction assurance (CAR)

Destined for legal entities, construction-assembly contractors, economic agents with construction activity.

  • residential and office buildings, schools, theaters;
  • industrial buildings;
  • roads, highways, railways, airports;
  • bridges, dams, tunnels, sewerage systems, water supply systems, water treatment plants;
  • construction site equipment;
  • construction machinery;
Risks covered by CAR / EAR

a) Material damage:

  • Damage caused to construction works (including equipment.): Natural phenomena (earthquake, flood, water spill, landslide, storm, hurricane, etc.), fire, explosion, burglary of construction materials or of other goods kept in closed and locked spaces; the collapse of the building or construction as a result of the impact with external objects or bodies, aircraft or parts thereof; strikes, riots, civil unrest;
  • the cost of the firefighters’ intervention;
  • the fees of the service providers adjacent to the assembly construction works (architects, experts, consultants).

b) Civil liability to third parties of the manufacturer

it is also possible to choose to cover the damages caused by the Insured’s fault to third parties, damages for which he is legally responsible and which are directly related to the construction-assembly works carried out on site and insured:

  • Personal Injury
  • Damage or destruction of property
  • Court costs
  • Expenses made with the written consent of the insurer, as a result of a damage to be compensated
  • war or war operations;
  • acts of terrorism;
  • of nuclear reactions and radiation, radioactive contamination.
asigurare-constructii-montaj-riscuri-acoperite
asigurare-constructii-montaj-riscuri-acoperite
Risks covered by CAR / EAR

a) Material damage:

  • Damage caused to construction works (including equipment.): Natural phenomena (earthquake, flood, water spill, landslide, storm, hurricane, etc.), fire, explosion, burglary of construction materials or of other goods kept in closed and locked spaces; the collapse of the building or construction as a result of the impact with external objects or bodies, aircraft or parts thereof; strikes, riots, civil unrest;
  • the cost of the firefighters’ intervention;
  • the fees of the service providers adjacent to the assembly construction works (architects, experts, consultants).

b) Civil liability to third parties of the manufacturer

it is also possible to choose to cover the damages caused by the Insured’s fault to third parties, damages for which he is legally responsible and which are directly related to the construction-assembly works carried out on site and insured:

  • Personal Injury
  • Damage or destruction of property
  • Court costs
  • Expenses made with the written consent of the insurer, as a result of a damage to be compensated
  • war or war operations;
  • acts of terrorism;
  • of nuclear reactions and radiation, radioactive contamination.

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