Automobile Insurance

This policy covers material loss and damage of motor vehicles for the covered risks and indemnify third parties for damage to their property, as well as injury and/or death.

Also covered: collision, roll-over, fire, theft, windshield and window damage, rental car, bail bond for the driver, third-party property damage. It also covers bodily injury of the driver and passengers.

Fire and Allied Lines

This policy offers shelter against accidental direct physical damage caused by fire, hurricanes, earthquakes, explosions, structure collapse, among others..

In addition to Fire and Allied Lines coverage, there exists a complementary policy in the marketplace called Business Interruption , which protects your business from partial or total stoppage as a consequence of one of the risks covered. Its purpose is to cover loss of income and fixed expenses after a loss.

Electrical Equipment Policy

With this contract you may cover electronic equipment such as: Computer equipment, security equipment, telecommunications equipment, and any other vital piece of electronics in your business, granting protection against sudden unforeseen damages that require replacement of the covered goods, due to fire, lightning strike, explosion, short circuit, among others.

Machinery Damage Insurance

Under this policy, generators, compressors, boilers, central air conditioning units, transformer banks and any other machinery that may cause a considerable economic loss can be covered.

Civil Liability Insurance

Third-party lawsuits against solvent economic institutions are becoming more common in our country, requiring otherwise necessary resources and time to resolve. We can transfer this risk to the insurance companies, drafting a Civil Liability Policy that covers your business in the event of a claim for damages defined therein.

Theft and Assault

This policy covers violent theft, assault and/or holdups for money, valuables and any type of valuable document, that may occur inside or outisde your business. It also covers losses during non-working hours within the establishment, if and when the stolen goods are located inside of a vault or security box.

Fidelity Policy

Covers losses incurred by dishonest or fraudeulent activity of one of the employees of the insured, who act directly or in conjunction with another, including loss of money and valuables up to the amount insured. It protects against crimes commied bu the employee against the business and its patron.

Cargo Transportation Policy

This contract is designed to protect your merchandise against storms, hurricanes, collisions, fire, robbery, derailment, shipwreck, rollover, grounding amoung others, that may threathen your cargo during transport, protecting you from the moment it departs from the supplier's warehouse, be it via air, ground or water, until reaching its final destination.

Marine Hull and/or Aircraft

Covers accidental losses caused to marine hull and aircraft, resulting from any of the risks described within the policy including disappearance, as well as any responsibility it entails.

Glass and Signage

Is a policy designed to cover glass and signage, against any accident, fire and/or lightning, explosion, damage by marine vessel and ground transportation, mutiny, strike and civil commotion, hurricanes and earthquakes.

Construction Guarantee

Guarantees insure compliance on behalf of the contractos, of the obligations agreed upon with the builder. The different construction guarantees that may be covered are:

• Tender Guarantee: To protect the covered contractor working within the confines of a tender or contract.



• Advance Payment Guarantee: Insures the proper use of advanced funds and the refund of said funds, if the contract is not honored.
  
• Fulfillent Guarantee: Guarantees compliance of the terms of a contract.
  
• Salary and Severance Payments: Guarantees that the contractos covers all wages, social security costs, all invoice pertaining to building materials and labor in order to fulfill a contract.
  
• Hidden Defects Insurance: Guranantees that for a determined period of time, usually a year, that the work was correctly executed, and that quality materials have been used. Any defects that appear during this time, are covered under this guarantee.

All-Risk Construction

With the All-risk Construction policy, the insured has a broader umbrella of coverage at a lower cost, in a simpler form, since it is designed specifically to cover all civil construction works, granting protection against losses incurred, including contractor equipment and construction machinery, such as claims by a third-party property and persons, when these occur as a result of the construction.

All-Risk Policy for Contractor Equipment

The contractor, as well as the owner of the equipment, depending on the agreement between the parties, may contract this policy to cover their equipment or temporary workshops.