This is already the fourth entry in which we showcase actual claims, We have achieved a favourable result for the client, when originally there were problems with the insurance company. In this case we will deal with one of the most problematic insurances, due to the different possible casuistry in the occurrence of claims: the insurance trade or office.
Indispensable in commercial and office insurance
At the time of contracting, it is necessary to specify the activity very well, as well as to specify correctly the sub-limits that we want in each guarantee: transport of funds, value of stock, theft of cash out of a safe... This will depend on not having any surprises when the claim occurs.
As we have said, the casuistry is very varied, since in a shop there can be a wide variety of cases. water filtration, as a theft or vandalism, The guarantee shall not apply if a loss causes the business to be temporarily closed down, so that the guarantee of “loss of profit”.”, This is very useful for the insured, which is why we always recommend our clients to take it out.
Problems with facades and canopies
A canopy of a business located at street level is broken as a result of an accident. act of vandalism during the night.
The tenants who own the shop should not, in principle, be held responsible for this damage, as it is the landlord who must repair this matter (this is determined by the company's expert when verifying the damage), or at least that both parties, landlord and tenant, are equally liable. We spoke to the landlord to inform him about this matter and to make him take responsibility, but he does not want to intervene at all...
Through our claims department, we managed to convince the insurance company that it was the tenants' insurance company who should be liable, and the repair was carried out, which was not at all easy as the street had to be cut off for a period of time. The final cost of the repair was in excess of €3,000.
Customer problems... They can be solved
Tearing of a pair of trousers during a wedding in a restaurant, due to a hook on a chair, on which there was a screw sticking out. This is considered to be negligence on the part of the restaurant, and therefore the civil liability« guarantee.
The company wanted to put a very high depreciation on the trousers despite the fact that they were only one year old, leaving both the customer and the injured party very unhappy, logically. They argued that the trousers were bought on sale, so the real price was higher, and that it was necessary to buy a whole new suit, as they could not find a pair of trousers equal to the jacket. So customer and injured party were satisfied.
Thefts in closed shops
Theft and vandalism in a shop, including the opening of a safe and the theft of more than €3,000 from the safe. The problem is that the company's expert did not see that the safe was forced, interpreting that the key was easy to find, and wanting to refuse the claim without paying more than the repair of the damage.
Finally, the expert was persuaded to assess the forcing of the front door as well as the damage to the rest of the furniture, all of which justified the fact that it was a robbery and that the cash register had also been broken into.
As you can see, there are many complications that can arise in the event of an accident. By taking out insurance with the PIB Group Iberia and Investment, we will provide you with the policy that best suits your needs. We will correctly analyse the risks inherent to your activity, and we will defend you against the company in the event of a claim. To ask us for a quote without obligation, contact us, and find out about the insurance for business of the best companies.
