Floor insurance

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The soil comprehensive insurance is an extension of the environmental liability insurance for commercial operations (e.g. machine factories, agricultural operations, etc.).

What is insured?

The insurance covers expenses for the removal of soil contamination on the policyholder's premises . The contamination must have occurred as a result of a sudden and accident-like disruption in the policyholder's business (incident), and official orders for removal or the prerequisites for this must be in place.

What expenses are insured?

1. Expert costs

2. Remediation or security measures

3. Refilling of the company property

4. Costs for avoiding or reducing an otherwise unavoidable soil contamination

When did the insured event occur?

Insured event is the verifiable, first detection of soil contamination of the insured company property.

particularities

The soil comprehensive insurance is a property insurance , since only expenses of the policyholder in connection with the contamination of their own company property are insured. It is only possible to take out damage to the floor if you also have environmental liability insurance, or if it is taken out at the same time, as contamination of your own premises can also result in third-party damage. Before taking out a comprehensive soil insurance, a company inspection by an environmental expert is required. The amount of the sum insured , the premium and the agreement of deductibles are made on a case- by - case basis.

Special features in agriculture

A farm tour is not required for agricultural risks, as the materials are limited here. The expenses for the removal of soil contamination on farms and lands are insured. The insurance cover also includes the restoration of the ground.