Business & Home
Useful information about Business and Home Insurance
Business and Home Insurance is prepared for homeowners, tenants, offices, shops and small businesses. It helps protect the space where people live or work against common risks.
Address, building type, usage purpose, content value and security measures are reviewed in the quotation. These details help prevent gaps between the actual need and the policy.
After a loss, the property should be made safe and damage should be documented before repair whenever possible. Photos, invoices and repair offers support a smooth claim review.
Package policies for homes and workplaces bundle the risks of daily life into a single contract: fire and natural events, theft, water damage from installations, broken glass and the liability you carry towards neighbours or landlords. Contents can be insured alongside the building, and practical assistance services — locksmith, plumber, electrician — are usually included at no extra cost.
What is typically covered?
- Fire, lightning, explosion, storm and hail damage
- Theft of contents, fixtures and personal belongings
- Internal water damage from burst pipes and installations
- Glass breakage and fixed decoration
- Neighbour and tenant liability arising from fire or water
- 24/7 assistance: locksmith, plumbing and electrical emergencies
Who is it for?
Homeowners and tenants, landlords renting out flats, offices, shops, cafes and small production units. Note that a standard home package does not replace DASK: compulsory earthquake insurance for the building is a separate legal requirement, and we make sure the two policies complete each other without overlap.
What sets our agency apart
In a business the job of a policy is to shorten the days you stay closed. Our agency builds the cover around how your business actually operates, treating items such as stock, turnover and business interruption not as figures but as your operation. During a claim we speak the same language as your accounting and operations teams and handle the correspondence with the insurer on your behalf. Professionalism for us means replying quickly and calling at the hour we promised.