Fire and Property Insurance protects the business from damage resulting from fire, explosion, natural phenomena, spills, vandalism, theft and other risks that threaten buildings, equipment, goods and other assets. With the possibility of combining basic and optional coverages, the program is fully customized to the needs of each company, offering financial stability and protection against unforeseen incidents that can interrupt its operations.
Designed based on modern risk management standards, insurance helps ensure business continuity, reduce financial impact and enhance the company’s credibility with customers and partners.
Maxima Insurance provides independent evaluation of available solutions, comparison of terms, specialized loss prevention proposals and full support in the claims process, ensuring effective protection and immediate response to every incident.
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Frequently Asked Questions
Find answers to key questions about the plan and get information before you choose the coverage that’s right for you.
The replacement value compensates on the basis of the cost of purchasing a new equivalent asset. Market value deducts wear and tear and age. For businesses, replacement value coverage is always recommended.
If you insure a property worth €500,000 for €300,000 and a loss of €100,000 occurs, you will only be compensated for €60,000 (60% of the loss = insured/real value ratio). Correct valuation is critical.
Flooding is covered by a special clause. Basement objects are often excluded or covered with a lower limit – especially if the risk of flooding was known at the time of conclusion.
Yes. Landlord’s insurance covers the building and any landlord’s liability. Renter needs separate insurance for personal belongings and renter’s liability.