Ocaso SME Express is a product which offers a wide range of basic coverages, which in addition to the usual fire and related extensions, incorporates coverage for water damage, electrical damage and breakage of panes, windows and signs.

One may effect optional covers of Theft and Hold-up, Public Liability and Loss of Profits on a daily indemnity basis.

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