Direct material damage arising from the following:

• Fire.
• Lightning.
• Explosion or implosion.
• Auto explosion.
• Secondary effects.

The following expenses when they arise from an incident covered:

• The cost of recharging extinguishers used and other expenses produced in order to extinguish a fire or prevent it from spreading.
• Salvage costs: cost of transporting insured goods or the action required to bring them to safety provided that the measures or expenses are not inappropriate or disproportionate.
• Expenses incurred in demolition and rubble clearance, in the event of a covered claim, to the closest place permitted to deposit such rubble.

• Damage as a result of burglary or attempted burglary at the insured buildings.
• Burglary or attempted burglary of insured possessions inside the insured buildings.
• Damage or wear and tear to cash bills and gaming, recreational or dispensing machines at the business premises due to burglary or attempted burglary.
• Theft of merchandise from window displays or that occur from outside without entering the business premises.

• Theft of cash and cheques not stored in a safe within the business premises.
• Theft of cash and cheques stored in a safe within the business premises.

The disappearance, destruction, or deterioration of cash and cheques as a result of robbery with violence or intimidation of people during their direct transportation from the business premises to a bank branch or vice versa.

Losses the insured party may suffer as a result of theft, fraud, embezzlement, falsification or misappropriation of legal tender, securities, shares or any document representing securities or the coverage of money, committed by its employees.

Robbery with violence or intimidation inside the business premises involving clients and employees, which leads to the disappearance, destruction, or deterioration of cash, clothes, and other objects forming part of the personal attire or complements of such customers and employees at the date of the claim.

When the business premises become uninhabitable as a result of a claim covered by the policy, we will pay compensation for the time that is necessary to repair or rebuild the business premises, up to a maximum period of one year:

• If the insured party is the owner and user of the business premises, the expenses arising for the insured party from the possible transfer of the rescued goods, should the contents be covered, and the lease that must be paid for other premises of similar characteristics.
• If the insured party is the owner and leases the site, the loss of the lease payments that the insured party has been receiving for the lease thereof.
• If the insured party is the lessee: the expenses arising for the insured party in relation to the possible transfer of the rescued items and the difference between the lease that it was paying and that of other business premises of similar characteristics that must be paid.

• Acts of vandalism, committed individually or collectively by persons other than the insured party, the policyholder or the dependent parties, family members, tenants, and people that have an employment relationship or live with the insured party and/or policyholder.
• Tumultuous actions arising in the course of meetings and demonstrations in conformity with Organic Law 9/1983, of 15 July, and during legal strikes, except in the case of riots and popular uprisings.

• Rain exceeding 40 l/m²/hour.
• Wind exceeding 96 km/h and up to 120 km/h.
• Hail or snow.
• Flooding as a result of the overflow or diversion from their normal course of lakes without a natural outflow, canals, irrigation ditches and other surface courses built by man, drains, sewers and other underground courses caused by overflow, bursting, breakage or breakdown.
• Expenses arising from removing mud and extracting sludge as a result of a claim are also covered.

Smoke suddenly and abnormally leaking from the devices or installations insured.

Sound (sound waves) caused by aircraft or spacecraft.

Accidental spillage or leakage from automatic fire extinction facilities, due to a lack of water-tightness, breakage, fall, collapse, or general failure of any items of this installation.

• Damage due to accidental and unforeseen leaks and flooding due to breakages or the blocking of pipes, drains, fixed deposits or heating and refrigeration piping.
• Damage due to involuntary failure to turn off piping valves and taps.
• Damage due to accidental water leakages at adjoining homes or premises or at homes or premises on higher floors.
• Expenses incurred to locate and repair the breakage and the materials used.

Falling of trees, posts and aerials.

Expenses to re-establish the aesthetic harmony of the buildings existing prior to the claim inside the rooms of the insured business affected by the claim.

Expenses relating to the substitution, erection, and assembly due to accidental breakage of:

• Glass, methacrylate, flat window panels and mirrors such as doors, windows, skylights, roof lights, and sanitary fittings.
• Window panes, methacrylate, marble, granite, and other natural or artificial stones that form part of the furniture, and signs and illuminations of the business activity.

• The obtaining of the corresponding duplicates of public documents and deeds held.
• The replacement of IT programs in force on the market and which are used in business activities, provided that the insured party is the holder or has the corresponding legal license of the owner to become an end-user (licensed software).

Personal injury or property damage or direct losses caused to third parties as a result of:

• The insured contents.
• Damage arising from minor work and duly authorized repair, maintenance or decoration work that does not exceed the amount indicated in the Specific Terms and Conditions of the policy.

Damage caused at the business premises, provided that said damage is the direct result of a fire or an explosion.

Personal injury or property damage or direct losses caused to third parties in the performance of the insured business activity provided that it is caused by:

• Damage caused by the performance of work or the provision of the services constituting the insured business activity, occurring within the insured business premises or at the customer’s home, prior to the delivery or provision of works or services.
• Fire, explosion, smoke, water, gas, odors, vapor, and sinking of land occurring at the property or business premises at which the insured party carries on its insured activity.
• Transportation and/or transported goods, both using vehicles belonging to the insured parties and to third parties and/or by railway, together with loading, unloading, transfer, and storage operations.
• The cloakroom service with respect to the garments and items entrusted, if it has a permanent surveillance system, its access is restricted and, furthermore, tickets or receipts are given to the customers.
• The loss, wear and tear or change of garments handed in by customers to be washed, ironed, repaired, or other actions requiring the deposit and safeguarding of items.
• The organization and functioning of fire extinction services (even when they help or collaborate with other companies, municipal councils, etc.), sports games, outings, educational visits, residences, recreational or leisure sporting facilities, bar or lunch services, canteens, and security or surveillance services.
• The use of machinery, tools, equipment, or other items required to perform the insured activity, provided that it complies with the conditions of use which, where appropriate, are demanded by the prevailing regulations.
• Access to the insured property or business premises of customers, visitors, suppliers, and any duly authorized person.
• Participation of the insured party in fairs and exhibitions provided that the duration does not exceed one month.

Personal injury or property damage or direct losses caused to third parties as a result of:

• Products or goods after they have been delivered or supplied to third parties. For the purposes of this policy, products will be considered to have been delivered once the insured party has lost the power to use them.
• Food poisoning caused by food or beverages supplied or delivered by the insured party at the insured business premises.
• Work or services after they have been delivered or supplied to third parties. For the purposes of this policy, work will be deemed to have been delivered upon the acceptance without reservation by the owner of the construction work, assembly, or facility.

Personal injury suffered by its employees as a result of occupational accidents occurring as a result of the performance of their work, provided that such liability has been declared by a final legal ruling and, furthermore, the National Social Security Institute – or the remaining competent partnership entities – have acknowledged any benefits for said occupational accident to the affected party itself or its heirs.

• Goods transportation.
• Profit or gross profit.
• Permanent expenses.
• Daily indemnity payments.
• The damage suffered by the insured goods, used in business activities, upon or as a consequence of their transportation in Spain in vehicles owned by the insured party, exclusively due to:
  • Fire, lightning, and explosion.
  • Overturn, falling of vehicles into ditches, ravines, gullies, rivers, or sea.
  • Crash or collision of the transporting vehicle with another fixed or mobile body.
  • Rain or snowstorms.
  • Avalanches, deluges, landfalls, landslides, or rockslides.
  • Sudden collapse of the road or carriageway.
  • Pounding of seawater due to a storm, inland courses.
  • Breaking of bridges and collapse of buildings, bridges, tunnels, or other engineering and architectural works.
  • Robbery employing violence or intimidation in the case of people that use means of transport.

The damage suffered by the insured goods, used in business activities, upon or as a consequence of their transportation in Spain in vehicles owned by the insured party, exclusively due to:

• Fire, lightning, and explosion.
• Overturn, falling of vehicles into ditches, ravines, gullies, rivers or sea.
• Crash or collision of the transporting vehicle with another fixed or mobile body.
• Rain or snowstorms.
• Avalanches, deluges, landfalls, landslides, or rockslides.
• Sudden collapse of the road or carriageway.
• Pounding of seawater due to a storm, inland courses.
• Breaking of bridges and collapse of buildings, bridges, tunnels, or other engineering and architectural works.
• Robbery employing violence or intimidation in the case of people that use means of transport.

Direct material damage caused by abnormal electrical currents or short circuits caused by electricity or lightning, when they do not lead to a fire, in:

• The electrical installation of the insured business premises.
• Electrical or electronic devices less than 10 years old and damage to refrigeration devices less than 20 years old, at the time of the claim, that form part of the insured contents, provided that they are located at the business premises, are used directly in business activities and are not earmarked for mere preparation, manufacture, repair or marketing purposes.

Breakdowns or damage to electrical or electronic devices less than 10 years old and damage to refrigeration devices less than 20 years old, at the time of the claim, arising from a sudden and accidental cause, other than those indicated in the remaining coverage of these General Terms and Conditions (taken out or otherwise), provided that they form part of the insured contents, are used directly in business activities and are not earmarked for mere preparation, manufacture, repair or marketing purposes.

Direct damage suffered by goods and products used in business activities, contained in refrigeration chambers located at the business premises, which have been caused by:

• Breakdown in refrigeration installations or failure of their automatic controls.
• Unexpected interruptions in the public energy supply that exceed six hours.
• Paralyzation of the refrigeration chamber due to the occurrence of a claim covered by the policy.
• Smoke pollution or the action of refrigeration gasses from refrigeration machines, following a leak for whatever cause.

• Direct damage which for accidental, sudden or unforeseen causes, affects the computers and IT equipment located at the business premises, provided that they form part of the insured contents, are used directly in the business activity and are not earmarked for preparation, manufacture, repair or marketing.
• The cost of replacing information contained in the medium for normal use, such as magnetic strips or drives, which are lost as a result of damage to computers and IT equipment, covered by the policy, and the repair costs for such medium.
• The expenses which, for a maximum period of one month, the insured party accredits that it has incurred to lease a similar computer, as a result of the disablement of the insured equipment following a claim that can be compensated for this coverage.

• Security staff: the cost of sending qualified security staff when the business premises are accessible from the outside as a result of a claim covered by the policy.
• Emergency plumbing and carpentry.
• Emergency locksmiths.
• Emergency electricians.
• Blind repairman.
• Ambulance.

• Legal assistance by telephone.
• Defense in administrative breaches relating to business activities.
• Damage claims.
• Defense of criminal liability.
• Defense of third-party liability due to pollution.
• Defense of rights over business premises.
• Movable property contract claims.
• Service agreement claims.