Business content insurance
In the insurance sector , business content insurance covers certain types of damage to one's own inventory , products and inventories of traders. The insurance pays for the repair and replacement .
Benefits of the insurer
The insurance cover includes the replacement of damage caused by certain hazards. These include, for example, fire , storm and hail . Damage caused by a burst water pipe is also covered if it has affected your own inventory. If things are stolen in the course of a break-in into a shop, the losses are included in the insurance.
Scope of insurance
Usually the original purchase price is replaced. Depending on the policy , third-party objects are also insured as part of the business content insurance. The protection only takes effect if these foreign objects are only temporarily in the insured's possession.
Most of the time, the insurer even bears the costs of fire fighting or renovation . With a special additional insurance, which can be taken out as part of the content insurance, you can also insure yourself against loss of income.
Exclusions and possible additions
Business content insurance usually only covers damage caused by fire, storm, hail, tap water and burglary . However, there are quite a few cases in which the insurance does not have to pay compensation. A classic exclusion of benefits is the deliberate cause of damage.
In general, the insurance does not cover damage in connection with wars , civil unrest or nuclear energy. Also with regard to water damage, natural hazards are not compensated by the insurer, for example those caused by storm surges or floods . Normally, these natural hazards can be added to the policy.
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- Insurance conditions
- Model terms and conditions of the German Insurance Association (GDV)
Individual evidence
- ↑ Content insurance: for damage to inventory, goods and supplies
- ↑ Claudia Kalenberg: On the insurability of flood and flood damage . Verlag Versicherungswirtschaft , 1998.