This
insurance policy covers any damage caused to third in his properties
or their person for causes of action or omission that the
policyholder is civilly responsible. Three classifications exist for
the civil responsibility: the Personal , the General and the
Professional Civil responsibility.
Coverage
▪ Properties and Operations
▪ CR fire and Explosion to nearby properties
▪ CR for Fire and explosion as tenants
▪ Rented vehicles and Not proper
▪ Independent Contractors
▪ Personal Injuries
▪ Products - Elevators - Antennas
▪ Food and Drinks supply
▪ Others
Information Necessary for the Subscription
▪ Class of Business or Activity
▪ Phones
▪ Certificate
▪ Company's RNC
▪ Place
▪ Area of the place
▪ Number of employees
▪ Volume of annual wages
▪ Volume of annual selling
▪ Losses Experience
▪ If there are swimming pool or boats
▪ If they are food or drinks supply
Not insurable risks
a) Damages to the goods of the policyholder or of persons who depend
on him and other persons who support a relation of kinship
b) Damages to trusting goods so that they use them, worked and
controlled, watched or guarded
c) Responsibility derived from the domain, maintenance, use by the
policyholder, of any air vehicle, terrestrial or marine out of the
insured properties
d) Protests for nonperformance of contracts and penal responsibility
e) Expenses of prevention of an event that could cause injuries or
damages to the property
f) Corporal injuries or damages to the property caused as a
consequence of wars, popular tumults and other similar declarations
g) Other damages and injuries specified in the insurance policy
Procedure for Claims
Visit our Claims Department of Seguros Banreservas and
present the following documents:
▪ Formal letter of claim
▪ Relation of the caused losses
▪ Medical certificate that indicates the corporal injuries
▪ Invoices of expenses for repairs
▪ Invoices of medical expenses
▪ Police certified declaration
▪ Firemen's record if it applies
▪ Others to be indicating in each case.
