Today, insurance retains its status of a key mechanism to manage the risks pertaining to day-to-day operation of a company. Selecting a reliable partner to help you organize efficient and relevant protection is a goal faced by any company striving to provide maximum protection to its business against adverse effects of any potential unfavorable event. Many car showrooms, maintenance and service centers are holders of Ingosstrakh policies tailored to meet the specific needs of their business.
Property insurance
Insurable objects
Insurance covers objects of property owned, loaned or controlled under contracts of lease and other contracts:
Real estate
Buildings and buildings of motor showrooms and service centers
Internal communication
Security and protection systems
Corporate design
Glazing
External constructions
Advertising signs, display platforms and constructions
Antennas, satellite dishes
Lifting gates
Parking lot equipment
Parking security and protection systems
Landscape design
Equipment and furniture
Office equipment
Shop equipment
Office and shop furniture
Equipment installed in service centers (carjackers, diagnostic and repair equipment, coating and drying chambers)
Stock of inventory
New cars for sale
Used cars on commission
Third-party cars in repair
Spare parts and accessories
Cash
In hand
In safe
You can also insure your company from losses resulting from the necessity to clear the territory, dispose of the garbage, tear down constructions and/or damaged property after an insured accident.
Insurable risks
Fire, thunderbolt, gas explosion
Explosion of engineering equipment
property damage by water from water supply, sewerage, heating and automatic fire-suppression systems
natural disasters
theft with unauthorized access, robbery
intended malicious action of a third party, including:
negligent destruction or damage or property (Art. 167 of RF Criminal Code),
hooliganism (Art. 213 of RF Criminal Code),
vandalism (Art. 214 of RF Criminal Code).
Collision with a road vehicle
Fall of a piloted aircraft and/or its pieces
Breaking of window glass, mirrors, shop windows
Damage of property in an act of terrorism
Additional coverage
Some objects of property may be included in additional coverage against specific risks inherent to such property.
For engineering equipment, engineering and technological communications
Emergency breakdown and defections
errors or negligence of personnel
Tow or chain rupture, fall of insured objects and their impact against other objects
Overload, overheat, vibration, fault, wedging, clogging of mechanisms, change of internal pressure, wear & tear of mechanisms, exposure to centrifugal force
Hydraulic impact and lack of liquid in boilers or equipment operating on steam or liquids
Exposure to electric short circuit, network overload, voltage loss, atmospheric disturbances
Failure or breakdown of add-on equipment, protection and adjusting devices
For computerized and other electronic equipment, corporate computer networks
Errors in the use and operation of electronic equipment
Exposure to amperage jumps or voltage, exposure to inductive currents
Emergency power outage (public power grid)
Insurance against business interruption
This type of insurance is an additional coverage to the insurance of property against fire and related risks and enables the business to be eligible to indemnification of indirect losses incurred as the result of an insured event with insured property.
Insurable objects
Fixed costs (not dependent on the turnover) of a company, including:
Payroll
Social charges
Amortization
Interest payable on bank loans
Taxes
Rent
Net profit (before tax)
Insured amount
The amounts insurable per object are calculated on the basis of book figures of the company as annual average prorated to the indemnification period selected by the Insurant.
Insurable risks
The insurance covers the loss of net profit or fixed costs incurred, if such loss or costs result from business interruption (termination) following the destruction and/or damage of insured property as the result of any insurable event.
The insurance contract stipulates an indemnification period, i.e. the period starting on the date of the event resulting in business interruption during which the Insurant will collect the indemnity of fixed costs and lost net profit. The period is subject to approval by the Insurant and usually is 1, 3, 6, 12, 18 and 24 months.
Liability insurance of a motor dealer (service center) for damages caused to a third party (including damage of a client’s car during repair)
This type of insurance assigns to Ingosstrakh all costs related to a company’s liability (motor dealer, service center) to the owners of cars for property damage caused during repair and/or in other instances, including damages caused to Visitors.
Insurable objects
Insurant’s property interests related to the liability to restitute the damages caused to the property, life or health of a third party, including Visitors, in virtue of applicable civil legislation.
Insured event
An event that is directly connected with the business of the insurant, such business being legal by law, and which is the basis, by virtue of applicable civil legislation, for lodging of claims by third parties, including Visitors, against the Insurant for the restitution of physical and/or property damages caused by the Insurant.
Top-up cover
Liability for intended damages caused by services of a service center.
Our Contacts
If you have any question or need any additional information, please do not hesitate to contact our Property and Liability Insurance Department:
