In the Building Owner’s Insurance, we have combined several insurances for homeowners that protect them against the most common damages to property.
However, Fire Insurance for the property is not included, as the property owner is required to purchase it separately.
All property owners are required by law to have fire insurance for their property. This applies whether the property is used for residential purposes, business activities, storage, or other uses.
It is also mandatory to have fire insurance for buildings under construction during the construction period, and a separate application must be submitted for this.
Movable Asset Insurance covers machinery, equipment, and tools against major losses with fire insurance, water damage and windstorm insurance, as well as optional burglary insurance.
Comprehensive Asset Insurance compensates for damage to movable property caused by sudden and unforeseen external events, whether it involves equipment, machinery, or other valuables.
Business Interruption Insurance is designed for business owners and companies. The scope of the insurance — i.e., its coverage, compensation period, and insured amounts — varies depending on the size of the company and the nature of its operations.
The insurance covers financial losses incurred by the policyholder due to a decline in product sales or services caused by damage resulting from fire, indoor water leakage, or burglary.
Extra Expense Insurance covers unavoidable additional costs incurred following a compensable loss under Movable Asset Insurance.
The insurance is sold alongside Movable Asset Insurance, and the loss must be compensable under its terms. If so, the additional expenses the company incurs will be covered.
Damage to a house under construction, building materials, or tools can be very costly. Additionally, those involved in the construction may get injured during the process.
This is why it is essential for anyone building a house to purchase Builder’s Risk Insurance.
It is important that aircraft owners pay close attention to insurance in accordance with the laws and regulations applicable to their operation.
We are agents for HDI and can assist you in obtaining a quote for aircraft insurance. The aviation insurance offered by HDI through us is primarily intended for individuals who own small aircraft, seating one to two people. Risk assessment and premium calculation are conducted by HDI in Sweden.
