In an auto repair workshop, the biggest risk is often not the business’s own property but the customer vehicles left in its care. Business insurance should be structured with that liability in mind.
For businesses that serve customers, insurance should cover more than the premises: the shop window, stock, kitchen equipment and liability towards customers all need to be included.
The first steps after damage directly affect how fast and how well a claim is settled. Good documentation and prompt reporting are the key to getting the support you expect from your insurance.
Being ready for an earthquake is more than packing an emergency bag. Planning DASK together with the earthquake cover in your home insurance makes financial recovery after a quake far easier.
Home insurance for old and historic buildings needs more care than for a standard flat. If the building value, materials and restoration costs are not defined correctly, a claim can bring unpleasant surprises.
With a villa or detached house, the main building is not the only thing to insure. The garden, pool, boundary wall and outbuildings need to be clearly defined in the policy too.
Homes used for only part of the year face different risks while they stand empty. Knowing how your policy treats that period prevents surprises when you make a claim.
In a rented home, the building, the contents and liability risks belong to different people. When landlord and tenant each arrange their own share of insurance, disputes after a loss are avoided.
Renewing your DASK policy on time and keeping the address details correct are needed both to meet the legal requirement and to make sure a claim runs smoothly after an earthquake.
The building policy arranged by plaza management usually does not cover a tenant company’s equipment, fit-out investment or liabilities. A tenant office needs its own business insurance.
