Building and Assets Insurance
Key characteristics
- Insurance of goods
- Building and assets insurance – CAR
- Builder’s liability
Destine Broker is the partner you need to identify the risks your business faces. We help you find the insurance product that can protect your business in the best way. This approach ensures maximum efficiency in solving problems caused by an event covered by the building and assets insurance policy.

Usually, the building and assets 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).


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).

Construction assurance (CAR)
Destined for legal entities, construction-assembly contractors, economic agents with construction activity.
To better understand this type of building and assets insurance we invite you to schedule an appointment with a Destine Broker consultant, here.
- 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.


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.