What is the Ocaso SMEs insurance?

Ocaso SMEs is an insurance cover especially designed for small and medium-sized companies, which protects the premises, machinery and workers therein.

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.

Other types of risks are also insured, such as 24-hour assistance, new value of the continent, automatic revaluation and capital compensation, automatic coverage of 10% and extraordinary risks.

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 also offers the possibility of insuring against material damage caused by broken windows or mirrors, damage caused by water, burglary and robbery, civil liability, legal defence, and bail, claims for damages and loss of income.

And other types of risks such as electrical damage, to computers, deterioration of goods in cold chambers, transport of goods 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 Flood Leakage from automatic fire extinguishing equipment Rain, wind, hail and snow
Insured expenses
Insured expenses
Extinguishment of fires Salvage, demolition and rubble clearance Replacement of files, moulds and dies Licence expenses, permits and professional fees Refilling of fire extinguishing equipment
Other insured risks
Other insured risks
24 hours assistance Replacement cost as new Automatic revaluation and indexing of sums insured Automatic cover up to 10% Extraordinary risks

Optional Cover

Insured damage
Insured damage
Breakage of panes, mirrors, glass and signs Water damage including tracingss and repairing the breakage Theft and robbery Public liability, legal costs, deposits and bail Claims for damages Loss of profits
Other insured risks
Other insured risks
Machinery breakdown Electrical damage Damage to computers and electronic equipment Deterioration of merchandise in refrigerated rooms Transport of merchandise Cosmetic repair