This insurance
protects properties for the losses or physical damages caused by
Fire and/or Allied Risks indicated in the insurance policy, be
already to buildings, furniture, machineries and stock of goods or
for business stop.
The insurance of Fire and Allied Lines is an insurance to protect
properties.
Coverage
▪ Fire and/or Lightning
▪ Earthquakes
▪ Hurricane, cyclone, tornados and wind sleeve
▪ Damages for water as a consequence of hurricane, cyclone, tornados
and wind sleeve
▪ Riot and strikes and malicious damages
▪ Flood and/or evenness of sea
▪ Explosion
▪ Damages for smoke
▪ Steal with scaling and/or violence
▪ Damages for accidental water
Other risks that can be included
▪ Destruction of rammers
▪ Destruction of casks
▪ Collapse of buildings, structures or any part of the same ones
▪ Break or Collapse of tanks.
▪ Hail
▪ Goods in transit
▪ indirect Losses
▪ Removal of debris
▪ Interruption of Businesses
▪ Steal with scaling and/or violence
▪ declarative Insurance policies.
Not insurable risks
Inside the risks specified in the insurance policy that we do not
assure the following ones are:
▪ The objects destroyed by spontaneous combustion or by any
procedure of heating or of dissection to which the insured objects
had been submitted
▪ The robbery of objects during or after the catastrophe
▪ The losses or damages that direct or indirectly they turn out to
be or are as a consequence of:
▪ The destruction for the fire of any object, arranged by the
authority
▪ underground Fire
▪ The losses or damages that direct or indirectly are caused for, or
result from emission of, be a consequence of that has contributed
to, material for nuclear weapon
▪ This insurance does not cover loss or damages that, direct or
indirectly are caused for, or result from emission of radiations
ionizants or contamination by the radioactivity of any nuclear fuel
or of any radioactive waste of the combustion of nuclear fuel
Procedure for Claims
▪ The claimant will have to safeguard not affected goods and not
mobilize those that were.
▪ Must give part to the competent authorities (National Police
and/or Fire department)
▪ To notify in writing to Seguros Banreservas
▪ To indicate if it has other insurance policies of fire and lines
allied with other insurance companies
a) Declarative insurance policies
Under this form of insurance policies, we can assure the stock of
goods, deposited in wine vaults and/or stores, as well as proper
stock of the insured business, which values fluctuate from month
until month, as a consequence of Fire and Allied Risks.
b) Robbery with Scaling and/or Violence
This coverage is offered complementary to the protection of Fire and
Allied Forces; it covers any damage or loss caused by theft or
attempt of the same one to the insured goods, exercising violence on
the place described in the insurance policy.
The information needed for the subscription of the risk is basically
the same one of the insurance policy of Fire. Principally, it is
necessary to know the class of business, the construction of the
place, the protection measurements that the same and the experience
has in losses.
c) Interruption of Businesses
This coverage offers protection not of the insured good but the
inability to use this good because of a physical damage or an event
of the nature against which he has insured himself in the insurance
policy of fire.
This value includes the overheads that continue in a company in
spite of a paralyzation as the lazy net profits have happened of
perceiving for the same one.
