Business Plan Combined Insurance for Small and Medium Enterprises

The Business Plan Combined Insurance Policy is a modern product explicitly intended for the needs of small and medium-sized businesses.
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Why get insurance now

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Business Plan Combined Insurance for Small and Medium Enterprises

It is a flexible risk management tool that provides comprehensive protection for your business against significant and hard-to-predict risks that threaten the smooth running of your business - e.g., natural disasters, fire, robbery, vandalism, accidents and breakdowns, business interruption, third-party damage claims, etc.
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Benefits

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    Risk management capability
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    Flexibility
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    Comprehensive protection against hard-to-predict risks
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    Opportunity for contracting seven types of insurance covering almost the entire range of insurance interests of small and medium-sized enterprises
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    Option for insurance contracting for the benefit of a lending institution
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    Automatic reimbursement of the insurance amount under property insurance – after payment of the insurance indemnity, the insurance amount is not reduced, i.e., there is no need for reinsurance and payment of an additional premium
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    Underinsurance is allowed – it is not taken into account when determining the indemnity payable as long as it does not exceed the percentage of underinsurance allowed for the respective package (10%, 20%, or 30%)

Main coverages

included coverages in default package

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    Total loss of or partial damage to movable and immovable property
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    Costs of clearing debris and wreckage
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    Fire fighting costs
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    Loss of profit in the event of business interruption or disruption resulting from property damage
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    Material damage to fixed electronic office equipment
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    Loss of or damage to machinery, plant, and apparatus used for production and trade
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    Insured's liability for damages caused to third parties
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    Material and non-material damages resulting from an industrial accident
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    Death, permanent/temporary disability due to an accident to an employee
  • Insurances

    Property insurance

    It covers a total loss or partial damage to movable and immovable property owned by legal entities. The insurance amount is based on the property replacement value.
    • Three packages with different coverage – Standard, Comfort, and Prestige
    • Optional risks:
      •  Earthquake
      •  Theft by burglary, theft by technical means, and robbery

    Business Interruption Insurance

    It covers losses of profits if the business is interrupted and disrupted due to property damage caused by fire, lightning, explosion, and impact from an aircraft or an object dropped from it.
     
    • Three packages depending on the limit of liability and the period of indemnity:
       
      • Standard – up to BGN 50,000 and up to 3 months
      • Comfort – up to BGN 100,000 and up to 6 months
      • Prestige – up to BGN 150,000 and up to 9 months

    Electronic Equipment Insurance

    It covers material damages to stationary electronic office equipment (personal computers, scanners, printers, electronic cash registers, communication equipment, etc.).
     
    Risks excluded under property insurance are covered
    • Lack of skill by service personnel, carelessness, negligence
    • Water or moisture of any origin
    In the event of a total loss of electronic equipment which at the date of the insured event has not exceeded three years from the date of manufacture, the indemnity payable will be determined based on its full replacement value.

    Machinery Breakdown Insurance

    Machinery, plant, and apparatus

    It covers loss of or damage to machinery, plant, and apparatus for industrial and/or commercial use, permanently installed and put into operation. 
    Risks specific to large production machinery are covered: 
    • Construction errors, installation errors
    • Casting and material defects, poor quality of parts
    • Rupture due to centrifugal forces and/or material fatigue
    • Water shortages in steam boilers and boilers, etc. 

    General Liability Insurance

    It covers the Insured's liability according to the option selected and specified in the insurance policy:
     
    • The Insured's liability for property and/or non-property damages caused to third parties in connection with the conduct of the business listed in the insurance policy, or
    • The Insured‘s liability only in his capacity as Lessee, of premises and/or buildings leased by him, or
    • The Insured‘s liability for property and non-property damages caused to third parties in connection with running the business specified in the insurance policy, including in its capacity as a Tenant of premises and/or buildings leased by him/her.
    • Limit of liability per insurance event and in the aggregate (cumulative) of all occurrences for one year:
       
      • Standard – BGN 50,000
      • Comfort – BGN 250,000
      • Prestige – BGN 500,000

    Employer's Liability Insurance

    It covers material and non-material damages resulting from an occupational accident that has caused temporary work disability, permanent work disability of 50% or more, or death of the employee during or in connection with the performance of his/her duties under an employment contract.
     
    • Limit of liability per occurrence and in the aggregate (cumulative) of all insured events that occurred within one year:
      • Standard – BGN 50,000
      • Comfort – BGN 250,000
      • Prestige – BGN 500,000

    Accident insurance

    It covers an employee's death, permanent or temporary disability due to an accident. It is contracted based on the average number of employees.
     
    The customer chooses the insurance amount per person.


    You have more questions? We are here to answer them

    Our team of specialists will help you to:
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      Understand our plans and benefits

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      Receive individual offer

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      Book a personal appointment

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      Choose the right service for you

    Contact us on 0700 111 50 or on (+359) 8850 111 50

    0700 111 50 (+359) 8850 111 50UNIQA offices

    Your personal data will be used only to give additional information about our products.

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    Health and Life InsurancesProperty InsuranceVehicle InsurancesTravel InsuranceCombined Insurance

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    бул. Тодор Александров 18

    Working hours

    Понеделник - Петък 8:30 - 17:30

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    Address

    Headquarters

    гр. София 1000,
    бул. Тодор Александров 18

    Working hours

    Понеделник - Петък 8:30 - 17:30


    © UNIQA Bulgaria