This is already the fourth entry in which we show real claims, suffered by our policyholders, and in which we have achieved a favorable 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 diverse possible casuistry in the occurrence of claims: the commercial or office insurance.
Indispensable in trade and office insurance
At the time of contracting, it is necessary to specify very well the activity, 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 the safe… This will depend on not having any surprises when the loss occurs.
As we have said, the casuistry is very varied since in a business it can occur from a water leakage, such as theft or vandalism, or that a loss causes the closure of the business temporarily, so that the guarantee of “loss of profits” is applied , which is very useful for the insured, so we always recommend our clients to contract it.
Problems with facades and canopies
A canopy of a business located at street level is broken as a result of an act of vandalism during the night.
The tenants who have the store, in principle, should not be responsible for this damage, since 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, respond in equal parts. We talked to the landlord to inform him about this matter and to make him take care of it, but he does not want to intervene at all…
Through our claims department, we managed to convince the company that it was the tenants’ insurance company that should be liable, and the repair was made, which was not at all simple because the street had to be cut off for a period of time. The final cost of the repair was over 3,000 €.
Problems with customers… They have a solution
Breakage of a pair of pants during a wedding in a restaurant, due to a snag on a chair, on which there was a screw protruding. This is considered negligence on the part of the restaurant, and therefore the “civil liability” guarantee applies .
The company wanted to put a rather high depreciation of the same even though it was only one year old, leaving both the customer and the injured party very unhappy, logically. They argued that the pants were bought on sale, so the real price was higher, and that it was necessary to buy a whole new suit, since they could not find a pair of pants equal to the jacket. The client and the injured party were satisfied.
Robberies in closed stores
Theft and vandalism in a store, including the opening of a safe and the theft of more than €3,000 from it. The problem is that the company’s loss adjuster 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 convinced to assess the forcing of the entrance 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 forced.
As you can see, there are many complications that can occur in the event of an accident. By contracting the insurance with PIB Group Iberia e Inversión, you will get the policy that suits you best. We will correctly analyze 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 the best insurance for your insurance for business of the best companies.
