All Risks, Protection System for Industry and Construction.

Electronic Equipment

Covers damages that may occur to electronic equipment such as facsimiles, photocopiers, telephone centrals, computers and similar devices that fall under the following risk categories:
• Robbery with violence
• Short circuit, high voltage
• Fire, lightening, any type of explosion, implosion
• Flooding, damage from water and humidity that has not been caused by normal atmospheric conditions
• Construction errors, installation problem deficiencies, defective material
• Management errors, carelessness, lack of skill

Machinery and Equipment

Covers construction machinery and equipment located at the site of the insured or in the geographical area of work against loss or physical damage arising from any external accidental cause.
Basic Coverages
• Fire and lightening
• Collision of moving or parked objects, overturning, sinking of land, landslide, derailing
• Accidents that occur in spite of correct management, as well as those that happen due to the operator’s carelessness, lack of skill or negligence
• Explosion
• Assault and robbery
• Accidents that occur during installation and dismantling
• Normal shipping, assembly, and customs rights
• Loss or damage caused by flooding, seaquake, cyclone, hurricane, storm, wind, earthquake or any disaster caused by nature
• Loss or damage caused by any other risk not expressly excluded

Contractors All Risks

Covers the construction of all types of civil works such as buildings, tunnels, bridges, dams, roads, etc. Provides wide protection against damages suffered by the work, including the contractor’s building equipment and/or building machinery, as well as against complaints made by third parties for damages to their property or to themselves when they occur as the result of this type of construction work.
Basic Coverages
• Fire, lightening and/or explosion
• Earthquake, earth tremor, seaquake and volcanic eruption
• Cyclone, hurricane, storm, wind, flooding, overflowing, rise in water level, mud bog, landslide or sinking of land, rockfall
• Assault and robbery
• Employees’ fidelity
• Construction errors
• Negligence, lack of skill, inexperience and sabotage
• Short circuit, supervoltage, voltaic arc
• High or low pressure
• Transportation or mobilization inside the worksite
• Other unforeseen accidents
• Damages incurred during maintenance
• Strike, riot and civil disturbance
• Extra-contractual liability
• Air shipping

Machinery Breakdown

Covers the industry against loss of machinery and installations caused by sudden and unexpected damages.
Basic Coverages
• Lack of skill, carelessness, individual sabotage
• Direct action of electric energy as the result of short circuits, voltaic arcs and other similar effects
• Errors of design, calculation or installation, defects in manufacture and labor
• Foreign bodies that enter the insured properties or that hit them
• Storm, hail, freezing and thaw
• Centrifugal force
• Any other cause not expressly excluded in the policy

Erection All Risks

Covers damages to insured property during installation at the site where it is to be used, providing the damages ensue accidentally, suddenly and are unexpected.
Basic Coverages
• Fire, lightening and/or explosion
• Earthquake, earth tremor and volcanic eruption
• Flooding, overflowing, rise in water level
• Robbery with violence and assault
• Installation errors
• Lack of skill, negligence and sabotage
• Short circuit, supervoltage, voltaic arc
• Breakage due to centrifugal force
• Other causes not excluded in the policy

Business Interruption due to Loss Machinery Breakdown

Covers direct physical damage of the insured object. The material damage entails an interruption of the business and profit loss.