By opting for property or goods insurance, you can be certain that, regardless of the risks to which they are exposed, you will more easily overcome potential problems, both financially and in terms of the time needed to repair damages.

Advantages of Insurance for Buildings and Other Properties:

• Predictability in ensuring business continuity;
• Customization of insurance based on activity specifics;
• Professional assistance in finding the optimal insurance solution;
• Cost optimization through tailored packages: cost – coverage – support;
• Promptness and simplicity in claims settlement and compensation;
• Financial continuity with a trusted partner supporting your business growth.

Insured Assets:

• Buildings and building equipment;
• Fixed assets, installations, equipment;
• Circulating assets.

Covered Risks:

• Fire, explosion, lightning;
• Storm, hurricane, gale, tornado;
• Heavy rain – direct effects;
• Hail;
• Theft through burglary, robbery;
• Vandalism committed through burglary;
• Weight of snow/ice;
• Strikes, civil unrest, malicious actions;
• Earthquake;
• Floods, mudslides;
• Collapse and landslides.

Special Clauses:

• Accidental leakage of water and other liquids;
• Vandalism without burglary;
• Fragile goods (building/content);
• Electrical phenomena;
• Mobile equipment;
• Accidental damages to building installations (heating, air conditioning, water, electricity, lifts, automatic doors, escalators);
• Coverage for new locations;
• Archive document insurance;
• Landscaping insurance: plants, shrubs, green spaces;
• Vehicle insurance in auto parks;
• Coverage for employee and third-party belongings;
• Errors and omissions;
• Stock variation;
• Paperwork and records;
• Costs for restoring activities;
• Temporary relocations.

Insured Amount:

The insured amounts are those stipulated in the insurance policy, declared by the Insured, and accepted by the Insurer.

What is not covered?

Excluded Assets:

• Space assets, satellites, spacecraft;
• Drilling equipment and accessories;
• Nuclear power plants, nuclear weapons;
• Water, underground mines;
• Weapons or radioactive devices.

Excluded Risks:

• War, revolution, military actions;
• Confiscation, nationalization, sequestration;
• Atomic explosion, radiation, contamination;
• Terrorism, pollution, illegal actions;
• Illegal activities, gross negligence by the Insured.

Coverage Restrictions:

• Gradual damages (wear, corrosion);
• Overvoltage, construction/design errors;
• Simple theft, fraud theft;
• Other restrictions mentioned in the insurance terms.

Where is the insurance valid?

Within the territory of the Republic of Moldova.

What are your obligations?

• Provide written responses to ACORD GRUP's inquiries;
• Provide essential information for risk evaluation;
• Pay insurance premiums as scheduled;
• Properly maintain insured assets;
• Allow ACORD GRUP representatives to verify the insured assets;
• Notify ACORD GRUP in writing immediately after becoming aware of an insured risk occurrence.

When and how is payment made?

• Premiums are paid in advance in full or in installments according to the policy;
• Payments are made in MDL for sums established in MDL.

For additional assistance, contact our manager at: +373 (22) 26 44 44.