What is the Ocaso SMEs Express insurance?

This insurance has been designed for all SMEs that want a policy which will guarantee a basic level of cover. 

What are its guarantees?

The basic guarantees of this insurance include damage caused by fire, smoke, rain, collision of vehicles, sound waves, acts of vandalism, damage caused during the course of legal strikes, floods, spills from automatic fire extinguishing facilities.

The policy also covers expenses arising from extinguishing fires, salvage, demolition and removal of debris, charges for licenses, permits, fees and professionals, and recharging of fire extinguishing equipment.

What are the main advantages?

Insured Expenses

This insurance includes a series of insured expenses for salvage, demolition and removal of debris, replacement of filing cabinets, moulds and matrices, expenses involved in recharging fire extinguishing equipment and charges for licenses, permits and professional fees.

Optional guarantees

This insurance offers the possibility of insuring against material damage caused by broken windows or mirrors, damage caused by water, burglary and robbery, civil liability, and loss of income.

And other types of risks can also be insured, such as electrical damage, to computers, deterioration of goods in cold chambers, or breakdown of machinery.

Guarantees

Standard Cover

Material damage insured
Material damage insured
Fire, explosion and lightning Smoke Damage Vehicle and aircraft impact Sonic waves Acts of vandalism, legal strikes and civil commotion Damage by rain, wind, hail, snow and flooding Leakage from automatic fire extinguishing equipment Damage caused by water, including trace and access and repair of the breakage Electrical damage (first loss) Breakage of panes, mirrors, glass and signs (first risk)
Insured expenses
Insured expenses
Extinguishment of fires Salvage, demolition and rubble clearance Replacement of files, moulds and dies Cost of refilling fire extinguishing equipment Licence expenses, permits and professional fees
Other insured risks
Other insured risks
24 hours assistance Automatic revaluation and indexing of sums insured Automatic cover up to 10% Extraordinary risks Replacement cost as new

Optional Cover

Insured damage
Insured damage
Theft and robbery Public liability, legal costs, deposits and bail Claims for damages Loss of profits