Insurance of funds on corporate bank cards.

Civil liability insurance for the operation of buildings / premises.

• Office (administrative) activities;
• shopping malls;
• catering;
• service sector;
• medical and educational activities;
• sports and/or wellness centers;
• fitness clubs.

Insurance term: 1 year (365 calendar days).

Covered risks: the occurrence of civil liability for causing damage to the property, health and/or life of third parties (i.e. insurance compensation may be received by the Insured’s clients/visitors, as well as sole proprietors and legal entities (companies that have suffered damage) not affiliated with the Insured).  

3 insurance cost options:

Deductible (part of the loss amount not reimbursed by the insurer): RUB 15,000 for each insured event.

Limitations:

1. The Policyholder, its owners (and their relatives), and employees may not be beneficiaries. 
2. Damage to property owned by the policyholder (including under lease, leasing, etc.) is not considered an insured event. 
3. Companies engaged in the following types of activities may not be policyholders: warehouses, hotels, management companies, homeowners associations, fire-hazardous production.

Additional programs:

• DIETETICS - doctors develop a nutrition program for the patient based on their complaints, eating habits, physical activity, and type of work (RUB 5,900).
• ANNUAL UNIVERSAL SCREENING – a comprehensive examination of an adult, taking into account the main gender-specific indicators, to identify possible deviations from the norm and prevent the development of diseases (RUB 7,800).
  
• UNIVERSAL ONCO CONTROL – examinations of the human body to identify possible developed pathologies or prerequisites for their development. The purpose is to prevent the development of oncological diseases through an extensive check-up (RUB 8,950).
  

Voluntary medical insurance for employees of small businesses without restrictions on types of activity.

Cost: 7 000 / 12 000 RUB.

Sum insured: 200 000 RUB.

Insurance term: 1 / 2 years

Legal support for business.

Included services:

Oral legal business consultation available 24/7 (12 per year), written legal business consultation (1 per year), a lawyer's call on behalf of the client (1 per year), conducting negotiations on behalf of the client (1 per year), selection of regulatory documents (1 per year), provision of standard document templates, accounting consulting, selection of companies to conduct an independent expert examination, selection of legal companies for court representation, reimbursement of expenses related to payment for a court-appointed merchandise examination concerning household electrical appliances, outerwear, footwear, sanitary and epidemiological examination of food products, in a court case to which the Policyholder is a party (no more than 2 payments per year with a limit of 10 000 RUB for each payment).

Insurance coverage for risks related to the loss/damage of the Policyholder’s property.

• Retail trade (in accordance with the list of types);
• office / administrative activities;
• educational activities;
• hairdressing salons;
• beauty salons;
• solariums;
• medical and dental practice;
• activities of sports  and gym facilities.

Insurance term: 1 year (365 calendar days).

Covered risks: fire, explosion, lightning strike, سقوط летательных аппаратов (as well as their parts and cargo), natural disasters, damage caused by water and other liquids, burglary, robbery, armed robbery, actions of third parties (hooliganism, vandalism, etc.). Damage to structural elements, interior finishes, engineering equipment of the building / premises, as well as equipment, furniture, electronics and office equipment, inventory and material assets is reimbursed.

3 insurance cost options:

Deductible (part of the loss amount not reimbursed by the insurer): RUB 15,000 for each insured event.

Not accepted for insurance:

• fur and leather products (fur coats, jackets, sheepskin coats, etc.);
• jewelry, watches, and other items made of precious and semi-precious metals and stones; 
• rare-earth metals; 
• works of art, antiques, and other cultural and historical valuables; 
• mobile phones; 
• weapons and pyrotechnic products; 
• plants, animals, microorganisms; 
• vehicles; 
• ATMs and the cash in them.

The insured premises must not be a market (fair), tent, kiosk, stall, etc.; they must have 24-hour security or a security alarm, functioning fire extinguishing equipment, mortise or magnetic locks installed on all doors, all external doors locked during non-working hours, and no outstanding orders from fire supervision authorities.