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Reale Business



A new multi-risk insurance product that introduces cutting edge innovation to the industry by offering decisive business advantages to the insured. 








Tailored, flexible, cost effective and comprehensive insurance:

  • You can pick and choose the cover required paying only for what is really needed.
  • Introduces a programme of specific cover specially designed for each line of business.
    • Restaurant Industry: Specific cover for goods spoiled owing to cold storage faults and power outages. Valet parking and cloakroom service cover. Civil liability in the event of food poisoning.
    • Clothing and accessories: Special-purpose insurance covering all kinds of theft, ranging from armed robbery to shoplifting while the premises are open to the public.
    • Food: Special-purpose cover for cold storage faults and loss of profit through business closure.
    • Teaching: Cover for students and teachers, including claims arising in the course of travel or trips organised by the teaching centre.
    • Health: Covering the disappearance of medical prescriptions through theft, robbery, fire damage or water damage.
    • Beauty and Perfume & Cleaning Supplies: Covers customer claims for damages in respect of the application and sale of cosmetics, hairdressing equipment faults, hair dryers, etc.
  • Provides the insured with innovative and improved covers.
  • The company will refund your premium if the repair deadline is not reached, maintaining its commitment to providing quality service.
  • The policy is fully transparent, specifying what each cover includes and excludes.
  • The policy issue process is streamlined.

 

- Covers Reale Trade -
Fire and Associated Events.
incluida
Cover extension.
incluida
  • Atmospheric phenomena.
  • Flood, costs of clearing mud and removing sludge.
  • Acts of vandalism or malicious acts.
  • Riotous actions.
  • Smoke.
  • Impact.
Costs.
incluida
Loss of use of the property and transfer of contents.
incluida
Water damage.
incluida
Breakages.
incluida
Aesthetic damage.
incluida
Electrical damage.
incluida
Trade assistance.
incluida
Legal protection.
incluida
Quality clause.
incluida

- Optional covers Reale Trade -
Theft and robbery.
OPC.
  • Theft and robbery of cash and valuables in a safe.
  • Theft and robbery of cash and valuables not in a safe.
  • Robbery of funds in transit.
  • Theft from or theft-related damage to vending, recreational or games machines.
Theft and theft-related damage to premises.
OPC.
Goods in cold storage.
OPC.
Breakdown of machinery and electronic equipment.
OPC.
Loss of profit.
OPC.
  • First-loss daily indemnity.
  • Annual gross profit.
  • Annual overheads.
Civil Liability.
OPC.
  • Operating liability.
  • Employer liability.
  • Product liability.
  • Tenant's liability.
  • Liability as owner of the property.
  • Civil liability for food poisoning.
  • Civil liability for application and sale of cosmetic products.
  • Operating liability in education.
  • Off-site liability.
  • Liability for objects held as bailee.
Goods transport.
OPC.
Complete Ruin.
OPC.
Damage to trees.
OPC.
Employee Accidents.
OPC.
Reinforced legal protection.
OPC.
Stationary vehicles.
OPC.
Medical prescriptions.
OPC.

    • Always take great care when providing the insurer with the information forming the basis of the insurance contract. Any inaccuracy may cause difficulties when processing and settling a claim.
    • Refer to your broker or to an employee of the insurance company for any doubt you may have about the cover taken up. We believe it is vital that you are well aware of the terms and conditions under the insurance agreement.
    • If you need to make any change made to the sum insured, notify the insurer promptly, because any increase or reduction in the insured sum directly affects the terms of the insurance agreement.
    • Always carry your assistance card with you. You may need it in an emergency, particularly if you lose the keys to the premises.
    • We advise you to install all possible security measures. This will bring down your insurance premium costs and may even prevent potential theft.


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