Assets

Your professional activity often depends on the space where you work — whether it’s part of your home or a separate office, workshop, or business building.

Both the premises and the equipment inside represent a significant investment.

Protecting them against damage, loss, or destruction is essential to ensure a fast restart after an incident and to secure the future of your business.  

All Risk Electronics

Your business relies heavily on electronic and digital equipment — computers, servers, diagnostic devices, control systems, and other smart tools. Their safe and reliable operation is critical.

If sudden or unforeseen damage or loss occurs, All Risk Electronics Insurance steps in.

Where a standard fire policy may fall short, this specialized coverage ensures your hardware, software, and connected systems are properly protected and can be repaired or replaced quickly, minimizing downtime.

Key advantages:

• All-risk coverage: protection against almost all sudden and unforeseen damage, regardless of cause.
• Fast response and repair: minimizing business interruption and data loss.

Machine Breakdown 

For professionals who depend on specialized or high-value machinery, a breakdown can halt activity instantly — whether you’re a radiologist with a private scanner, a dentist, a lab operator, or a construction company operating tower cranes, excavators, or other heavy machinery.

Machine Breakdown Insurance covers mechanical or electrical failures, whether due to internal defects, operator error, or external causes.

This coverage ensures rapid repair or replacement, helping you resume operations without delay and avoid costly business interruptions.

Key advantages:

• All-risk coverage: for unforeseen mechanical or electrical damage.
• Limited depreciation: maximum 50%, even for older machines — whereas in a standard fire policy, equipment over 10 years old is often valued at almost nothing.
• Fast intervention: specialized technicians ready to repair or replace equipment quickly, reducing downtime and financial impact.

Professional Fire Insurance

Even with the best preventive measures, risks like fire, smoke, or water damage can never be completely eliminated.

Professional Fire Insurance protects your practice, office, warehouse, or business building, covering the structure as well as fixtures, installations, and professional contents.

Combined with complementary coverages such as All Risk Electronics and Machine Breakdown, it forms a complete protection package for your physical, technological, and mechanical assets — ensuring business continuity and peace of mind.