Author: Marta

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Assistance

Assistance insurance, depending on the selected option, provides support to the driver and passengers of the insured vehicle in difficult situations during a journey. Such situations include car accidents, breakdowns, immobilization, or theft of the vehicle. In essence, Assistance acts as a “roadside assistant.”

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Personal Accident Insurance for Drivers and Passengers (NNW)

Personal Accident Insurance (NNW) is aimed at owners of motor vehicles. It applies to individuals, legal entities, and organizational units without legal personality.

NNW Insurance covers permanent consequences of accidents that occur both in Poland and abroad. The insurance protection applies to the driver of the vehicle and its passengers (in a number consistent with the vehicle’s registration document).
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Autocasco

We recommend Autocasco Insurance (Casualty and Collision) to owners of passenger cars. It guarantees compensation in the event of damage to the vehicle or its equipment caused by:

  • an accident,
  • actions of third parties,
  • fortuitous events (e.g. flooding, fire),
  • theft,
  • the impact of thermal or chemical factors.

Depending on the selected option, the insurance coverage may include the full range of these events. Additionally, the coverage can apply to incidents occurring not only in Poland but also abroad.

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Motor Vehicle Liability Insurance

Motor Vehicle Liability Insurance is mandatory. This means that anyone registering a motor vehicle in Poland is required to obtain such a policy. Motor vehicles include:

  • automobile,
  • tractor,
  • moped,
  • trailer, as well as
  • slow-moving vehicle.

Overall, this insurance protects the owner or driver of a vehicle from the financial consequences of damages caused to third parties. The insurer compensates the injured party on behalf of the vehicle owner. On one hand, the insurance safeguards the liable party’s assets, while on the other, it guarantees the injured party’s claims are satisfied.

The principles for concluding and executing Motor Vehicle Liability Insurance agreements are governed by the Act of May 22, 2003, on Compulsory Insurance, the Insurance Guarantee Fund, and the Polish Motor Insurers’ Bureau [PBUK] (Dz.U. z 2003 r., Nr 124, poz. 1152 z późn. zm.).
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Machinery All-Risks Insurance

Machinery Damage Insurance covers machinery owned or operated by the insured in connection with their business activity. The scope of the insurance includes damages caused by breakdowns, operator errors, or external factors. Examples include damage resulting from fire or burglary.

The insurance is available not only as a standalone policy but also as a complement to all-risks property insurance. Additionally, it is possible to insure against the risk of loss of profit resulting from machinery breakdown.

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Electronic Equipment Insurance

The insurance coverage generally includes all material losses resulting from sudden and unforeseen events. These losses may involve damage, destruction, or loss of the insured equipment. Depending on the scope, the coverage can extend to damages to data carriers, software, and data collections. Additionally, the insurance can be extended to cover increased operating costs incurred by the insured until the damage is rectified.

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Business Interruption Insurance (BI)

This insurance is recommended for entrepreneurs who have taken out property insurance against fire and other perils or all-risks property insurance. Business Interruption (BI) Insurance is a suitable solution for businesses regardless of the industry.

Business Interruption (BI) Insurance covers the loss of income that a business suffers due to a disaster or unexpected event that disrupts its operations, such as fire, natural disasters, or other covered incidents. It helps businesses maintain financial stability by covering lost profits, fixed operating expenses, and additional costs incurred during the recovery period.

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All-Risks Insurance

This insurance is recommended for entrepreneurs operating in various industries.

All-Risks Insurance can cover not only property owned by the insured but also property in their possession, custody, or control. The subject of the insurance includes:

  • buildings,
  • structures,
  • equipment,
  • cash,
  • furnishings,
  • current assets,
  • low-value assets,
  • investment outlays,
  • employee property.

The insurance covers damages resulting from all events, including theft, except those explicitly listed as exclusions. Additionally, the coverage may include the costs of employing all available measures to mitigate damage to the insured property. This includes, for example, the costs of rescue or firefighting operations, as well as the costs of clearing debris after a loss.

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Burglary and Robbery Insurance

This insurance is designed for entrepreneurs operating in various industries.

Burglary and Robbery Insurance can cover not only the property owned by the insured but also property in their possession, custody, or control. The subject of the insurance includes:

  • machinery,
  • equipment,
  • cash,
  • furnishings,
  • current assets,
  • low-value assets,
  • third-party property, as well as
  • employee property.

The scope of the insurance covers damage to property caused by burglary or robbery. It also covers the costs of:

  • employing all available measures to mitigate damage to the insured property and to secure insured property directly at risk of damage,
  • clearing debris after a loss,
  • repairing damaged or destroyed security measures, including costs related to damage to walls, ceilings, roofs, windows, and doors, provided such damage occurred in connection with a burglary.
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Fire and Other Perils Insurance

This insurance is targeted at entrepreneurs conducting business activity in various industries.

Fire and Other Perils Insurance can cover not only the property owned by the insured but also property in their possession, custody, or control. The scope of the insurance includes damages to property caused by:

  • fire,
  • lightning strike,
  • impact of land vehicles,
  • aircraft crash,
  • hurricane,
  • torrential rain,
  • hail,
  • subsidence or landslide,
  • water damage/flooding,
  • water damage/flooding,
  • weight of snow or ice,
  • smoke,
  • bursting pipes,
  • falling trees or masts,
  • flood,
  • shockwave,
  • avalanche, as well as
  • earthquake.

Fire and Other Perils Insurance also covers the costs of employing all available measures to mitigate damage to insured property. Additionally, it covers rescue and firefighting operations as well as the costs of clearing debris after a loss.

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