The best insurance for trade

Worried about the security of your business? With ASSAP’s multi-risk commercial insurance, you will find comprehensive coverage for your premises and assets that allows for a quick recovery after any mishap.

This comprehensive and flexible policy not only complies with all mandatory regulations, but also adapts to your specific needs. Customize services and coverage based on the nature of your business activity. With ASSAP, you can focus on growing while we take care of the rest.

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What is trade insurance?

Commercial insurance offers comprehensive protection for commercial premises and covers property damage, theft of goods and civil liability to third parties. This policy allows merchants to manage risks and recover from unforeseen events quickly, and ensures the continuity of economic activity and financial peace of mind of the business.

What does trade cover?

Coverages included

With and without deductible *

Temporary uninhabitability in the event of an accident

This coverage refers to the situation in which, due to an unforeseen event or severe damage, the commercial premises cannot be used to carry out economic activity.

For example, if a flood caused by plumbing problems damages your premises, our insurance covers the losses while you focus on getting back to business quickly.

Fire, explosion, smoke or soot

Protect your business against damage caused by fire, explosions and related debris.

If, for example, a short circuit causes a fire, this insurance will cover the repair of damage and the replacement of lost property.

Atmospheric phenomena, lightning, floods, crashes, impacts and sonic waves

In the event of damage caused by natural phenomena or accidents such as lightning, flooding, vehicle impact, etc., your business will be protected.

For example, if a strong storm breaks the windows of your business, the coverage will cover the repair costs.

Electrical damage

Covers damage to your business’s equipment and appliances caused by electrical problems.

For example, if a power outage damages your computers, this coverage will take care of their repair or replacement.

Breakage of sanitary elements

If your business’s plumbing fixtures are damaged or broken, such as a sink or toilet, insurance will cover the costs of repair or replacement.

Total ruin

This insurance covers material damage that may compromise the mechanical resistance and stability of the building due to works or accidents, provided that the competent authority declares the total ruin of the property and orders its evacuation.

Vandalism

It protects you against intentional damage caused to your property.

For example, if your business is the victim of an act of vandalism, such as graffiti, broken glass or merchandise sabotage, the coverage will cover the costs of cleaning, repair and replacement.

Water damage (water leak detection and repair)

Covers damages associated with locating and repairing water leaks that may cause damage to your property.

For example, if a water pipe bursts and causes a flood in your premises, insurance will cover the costs of finding the leak, fixing the pipe and repairing any damage caused.

Theft and plunder

This coverage protects you against financial loss caused by theft or looting of your business assets.

For example, if thieves break into your store at night and take merchandise or equipment, your insurance will reimburse you for the value of the stolen goods.

Liability, bonds and defense

This coverage will compensate you, on your behalf, for any damages caused to third parties by your business activity. In addition, in the event of a lawsuit, it covers the costs of the process and your lawyer in the event of a trial.

For example, if a customer slips and is injured in your store, liability coverage will cover medical costs and any potential lawsuits.

Crystals

This insurance covers the repair or replacement of broken or damaged glass in your business.

For example, if a severe storm causes your storefront window to break, this coverage will cover the cost of replacing the damaged glass.

Additional coverages

Aesthetic damage

In the event of a repair that alters the visual harmony of your space, it covers the restoration of the original aesthetics.

For example, if after repairing a pipe, the paint on the wall does not match, it will cover the costs of returning the place to uniformity.

Key replacement

If you lose your business keys or they are stolen, this coverage will cover the costs of replacing the keys and, if necessary, changing the locks.

Employee infidelity

This coverage protects your business against dishonest acts committed by employees, such as theft or misappropriation.

Computer breakdown

If your computers or computer systems are damaged or broken, this insurance will cover the costs of repair or replacement.

File replenishment

In the event of loss or damage to important files, whether physical or digital, this insurance will cover the costs associated with their recovery or reproduction.

Refrigerated goods

If your business’s food or refrigerated goods spoil due to a refrigerator breakdown or power outage, this coverage will reimburse the value of the lost goods.

Machinery breakdown

This insurance covers the costs of repairing or replacing your business’s machinery in the event of a breakdown.

For example, if you have a coffee machine, insurance covers the costs of its repair or replacement.

* Coverage and services are subject to the terms and conditions applicable to your insurance. This section has no contractual value.