This coverage protects you against fire, explosion or lightning strike which may occur or reach your premises, buildings, equipment, machinery, goods and stock.

This coverage protects you against damage to your property caused by fumes or vapors due to a sudden, abnormal and/or unforeseeable defect in any appliance.

This coverage protects you against the impact of an identified or unidentified land vehicle, caused to the insured property and driven by a person for whom the Insured is not civilly liable.

The impact, shock wave or fall of air navigation devices and objects detached from them.

This coverage protects you against damage to your installations, appliances, machines, electric or electronic motors and their accessories, transformers, electrical conduits, whether buried or not, and their accessories, illuminated signs and computer and office equipment, fixed service or non-service equipment, their peripherals and components that prevent the normal operation of said machines.

This coverage protects you against the action :
- Of wind or from the impact of a body overturned or thrown by the wind.
- Of hail on property that's not excluded.
- Of the weight of snow, ice and water accumulated on property that's not excluded.
When these phenomena are of such intensity that they destroy, break or damage a number of well-built buildings, trees and plantations or other property in the municipality of the affected Establishment or in neighbouring municipalities.

This coverage protects you against damage to your property by :

- An earthquake, i.e. all the phenomena related to the deformation of the earth's crust in a place, insofar as they are perceived by man (macroseism) or by seismographs,
- A volcanic eruption, i.e. openings in the earth's crust accompanied by violent emissions of gases and solid (blocks, bombs, ash, lapilli) and liquid (lava) materials.

This coverage protects you against loss or damage caused by strikes, riots, civil commotion when caused by : 

- Persons taking part in strikes, riots or civil commotion ; 
- Any legally constituted authority, as a result of measures taken on the occasion of the events listed above, to safeguard the insured property.

This coverage protects you against material damage to your property caused by leakage of water and/or any other liquids and accidental overflow (including those resulting from freezing inside buildings) originating exclusively from :
- Pipes and ducts in general.
- All water, steam or heating devices or tanks.
- Breakage or clogging of pipes or drains for water and other liquids.
- Sprinkler installations (including sprinklers).
-Damage that is the result of searching for and repairing water leaks.

The machinerie breakdown insurance is an important cover for companies. This coverage protect you against unforeseen, sudden and fortuitous damage to your machines and their equipment, and/or technical installations, and/or production or operating materials, whether they are fixed machines or equipment (including the bases and foundations necessary for the operation of the machines) or mobile equipment.

Breakage of glass, panes of glass, mirrors, marble, illuminated signs and, in general, all objects made of glass products, similar or translucent, fixed or mobile, as well as their structures or supports whether they are outside or inside buildings.

Also covered are glass roofs and sheds, sanitary facilities, doors, windows, glass balconies, canopies, aquariums and fountains.

This coverage protects you against the disappearance, destruction or damage to your property resulting from attempted theft or theft from the premises in any of the following circumstances :

- Theft committed by breaking and entering, by climbing the premises or by using false keys containing your property.
- Theft preceded or followed by murder, attempted murder, violence, assault or threats endangering the life or physical or moral integrity of the Insured's, employee(s), or any other person present on the premises.