The PREMIUM Business policy provides cover to small and medium enterprises. This insurance cover is for clients with assets up to €4 million and covers liability claims for up to €1 million. This insurance provides 360° all risk cover. Alongside the standard insurance for fixed and moveable assets including a wide range of additional insured items, it also covers business interruption, transport and operating risks and machinery failure. In addition to liability for damages caused by operations or defective products of the client, it also covers damage arising from the ownership of fixed assets, for environmental liability and liability for damages caused by the directors and officers of the company (D&O). A free assistance services are included within the policy.
The PREMIUM Business product is designed for small and medium sized businesses. It is aimed at organisations with up to 50 employees and a turnover of up to €10 million – legal entities (joint-stock companies, limited liability companies, limited partnerships, cooperatives, towns, villages) and sole traders engaged in business activities (the self-employed, self-employed farmers and freelancers).
Benefits and advantages of the product
- SIMPLICITY and SPEED – no lengthy forms, you get your insurance quote as soon as you’ve entered your data
- 360° COVER – comprehensive all risks cover for clients; with insurance add-ons for Property, Business Interruption, Goods in Transit, Operating Risks, Owner Liability, Environmental Liability and D&O included in a basic plan with a €2,000 pay-out limit
- AUTOMATIC RENEWAL OF LIMITS – choose any claims costs limit for main and additional insurance with automatic renewal
- ALL RISKS – cover for all risks apart from the basic exclusions
- ALLOWANCE FOR UNDERINSURANCE – up to 15 % for all clients
- INSURED LOCATION – the address is not written in the policy; cover is based on the client’s accounting records
- TERRITORIAL COVERAGE – cover for machinery and electronic equipment, transport and general liability included in price of basic insurance and applies to Slovakia, Czechia, Poland, Hungary and Austria; cover for additional countries in Europe is available.
- FRANCHISE – instead of you paying the excess, we will settle any costs above the agreed franchise limit. You will not pay any excess.
- ONLINE – policies purchased online take effect from the date indicated on the proposal. The policy, with all the terms and conditions, will be sent to you by email. There is no need to sign a contract – the policy is valid as soon as the premium is paid on the date due.
Download documents
Insurance product information document - property and liability insurance for sole traders and small-sized enterprises
.pdf 437 KB (platnosť od 21.08.2020)
General insurance terms and conditions for property and liability insurance of sole traders and small-sized enterprises
.pdf 748 KB (platnosť od 21.08.2020)
Special insurance terms and conditions for insurance of buildings and structures of sole traders and small-sized enterprises
.pdf 743 KB (platnosť od 01.10.2019)
Special insurance terms and conditions for insurance of movable property of sole traders and small-sized enterprises
.pdf 755 KB (platnosť od 01.10.2019)
Special insurance terms and conditions for general liability insurance of sole-traders and small-sized enterprises
.pdf 741 KB (platnosť od 01.10.2019)
Supplementary insurance terms and conditions for securing of property of sole traders and small-sized enterprises against theft and vandalism
.pdf 651 KB (platnosť od 01.10.2019)
Supplementary insurance terms and conditions for insurance of small-scale interruption of operation of sole traders and small-sized enterprises
.pdf 598 KB (platnosť od 01.10.2019)
Supplementary terms and conditions for insurance of transport of movable property and stock of sole traders and small-sized enterprises
.pdf 615 KB (platnosť od 01.10.2019)
Supplementary insurance terms and conditions for insurance of machinery and electrical equipment of sole traders and small-sized enterprises
.pdf 621 KB (platnosť od 01.10.2019)
Supplementary insurance terms and conditions for liability insurance against environmental damage for sole traders and small-sized enterprises
.pdf 790 KB (platnosť od 01.10.2019)
Supplementary insurance terms and conditions for liability insurance against damage caused by directors and officers of small-sized enterprises
.pdf 693 KB (platnosť od 01.10.2019)
Žiadosť o zmenu v poistnej zmluve
.pdf 409 KB (platnosť od 04.12.2020)
Žiadosť o zmenu v poistnej zmluve
.doc 84 KB (platnosť od 04.12.2020)
Insurance product information document - property and liability insurance for sole traders and small-sized enterprises
.pdf 437 KB (platnosť od 01.10.2019 do 20.08.2020)
General insurance terms and conditions for property and liability insurance of sole traders and small-sized enterprises
.pdf 747 KB (platnosť od 01.10.2019 do 20.08.2020)
Special insurance terms and conditions for assistance services applicable to property insurance and liability insurance of sole traders and small-sized enterprises
.pdf 763 KB (platnosť od 01.10.2019 do 20.08.2020)