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Insurance for shops and other kinds of business ( Castellano / Español  )  faq

 

Basic information:

 

Policyholder is  (tenant) ... status/régimen

 

Location of risk ( zona urbana ) ... location/ubicación

 

post code: ( 28006 ) Madrid

 

Rate: 1

 

Activity: ( oficinas ) ... activity/actividad

 

Kind of construction: ( Estructura, cerramiento y cubierta de materiales no combustibles )   ... construction/construcción

 

Year built: (2000)

 

Year refurbished: (  )

 

Number of employees: (3)

 

m2 building: (60)

 

Seasonal business: seasonal closure / negocio temporal

 

Kind of consortium: Consortium / Consorcio

 

 

Fire protection

 

How far away are the closest firemen?: ( Bomberos a menos de 20 minutos ) ... firemen proximity / distancia bomberos más próximos

 

Manual extinguishers: (sí) ... manual extinguishers/ extintores manuales

 

Fire hydrant connections: (no) ... fire hoses / bocas de incendio equipadas

 

Exterior hydrants: (no) ... external fire hydrants / hidrantes exteriores

 

Automatic detectors: (no) ... automatic fire detectors / detectores automáticos

 

Standard sprinklers: (no) ... standard sprinklers / sprinklers homologados

 

Other protection: (no) ... other fire protection / protecciones contra incendios

 

Other options available:

 

Options: ... options/opciones   value:

 

Protective measures:

 

Main door: (solid wood) ... main entrance / puerta principal

 

Shop windows: (no) ... shop windows / escaparates

 

Secondary doors (solid wood ) ... secondary doors / puertas secundarias

 

Windows / gaps (sin ventanas ni huecos a menos de 4 metros de altura) ... window protection / protección de ventanas y huecos

 

Electric alarm: (no hay alarma electrónica) ... alarm / alarma electrónica

 

Single storey building: (no) ... single storey building / edificio de sólo planta baja

 

Armed guards 24 hours: (no) ... 24 hour guards / vigilancia jurada

 

 

Objects valued at over 1800 euros:

 

Description:        Value:  ... valuables over 1800 euros /objectos de valor

 

Electronic equipment information:

 

Description:        Value:  ... electrical equipment/ equipos electrónicos

 

 

 

Basic covers  Structure / contents

 

Structure: (Structure:) ....  Commercial structure / continente      amount: (5000)

 

Contents:

 

Furniture and machinery (3000)

 

Fixed merchandise

 

Automatic merchandise cover: automatic merchandise cover / cobertura automática de mercancías

 

'floating' merchandise/ fluctuations:

 

 

Structure and contents:

 

Breakage of glass   (  ) ... glass / cobertura de cristales

 

Automatic cover for goods : (no) ... automatic damage cover / cobertura automática de daños

 

optional deductibles: (no) ... optional deductibles / franquicia opcional

 

Optional covers

 

Theft with violence and theft with intimidation(no) ... theft with violence and theft with intimidation / robo y expoliación

 

Theft with violence and theft with intimidation of cash from the cash box in the insured premises (no) ... cash box / caja de caudales

 

Theft with violence and theft with intimidation of cash from the cash register in the insured premises (no) ... cash register cover / caja registradora

 

Theft with intimidation of fund transporters (no) ... money transportation / ampliación transportadores de fondos

 

Objects valued at more than 1.800 euros per unit (no) ... valuables over 1800 euros /objects de valor

 

Deterioration of refrigerated merchandise:

 

Machinery breakdown - Electronic equipment (no) ... electrical equipment breakdown / avería equipo electrónico

 

Machinery breakdown: machinery breakdown / avería equipo electrónico

 

Employee dishonesty Nº de empleados: (no) ... employee dishonesty / infidelidad de empleado

 

Consequential losses (no contratada) ... consequential losses / pérdidas consecuenciales

 

Damage to electric appliances / electronic appliances: damage to electrical appliances / daños aparatos eléctricos

 

 

Civil liability options:

 

Liability arising from the business (no contratada) ... Civil liability arising from the business / RC explotación

 

Limited building: (no) ... limited building civil liability / RC limitada inmueble

 

Maximum number of people:

 

m2 building: (60)

 

Number of employees: (3)

 

Optional deductible: (no) ... Optional deductible/ franquicia opcional

 

Civil liability products: product liability / RC productos 

 

Employer's liability  (no contratada) ... Employers' liability / RC patronal

 

Limit per victim: (90000) ...

 

 

Civil liability for finished products: Civil liability post-delivery / RC post trabajo

 

Public liability: (no contratada) ... Civil liability premises / RC locativa

 

Civil liability on goods produced off-premises: Civil liability work done off-premises / RC trabajos fuera

 

Civil liability on damaged garments:  Goods damaged when cleaning / RC daños prendas

 

 

Payment frequency: ( anual ) ... payment frequency / periocidad de pago

 

 

 

For details and quotes, please contact me ...