Property Protection. Express.

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.