Protection of your property and non-property assets
The insurance is designed for small and medium-sized businesses, enabling customers to protect non-property and property assets such as buildings with solid structures, machinery, facilities, equipment, including farm inventory, short-term tangible assets, including materials, products, and goods. It is intended for Bulgarian and foreign individuals and legal entities who are owners or tenants of small and medium-sized enterprises engaged in non-manufacturing activities (offices, shops, commercial premises, restaurants, commercial establishments providing services and business premises) and solid buildings up to 40 years old after Act 15.
What are the advantages?
- Insurance product appropriate for insuring property used as collateral under home and mortgage bank loans;
- Affordable insurance that provides complex protection against the most common risks in business environment;
- Insured amount up to 5 112 918 EUR;
- Conveniently structured coverage by risk classes;
- Possibility for optional covers;
- Easy procedure for making the insurance;
- Deferred payment of the premium for no extra costs;
- Option for a multi-year policy of up to five years;
- Option to pay the premium via bank transfer.
What does the insurance cover?
Basic coverage:
- Fire and lightning;
- Explosion and implosion;
- Collision or crash of an aircraft.
Additional coverage:
- Natural disasters—storms, hail, torrential rain, flooding, snow/ice load, and freezing;
- Earthquake;
- Water and steam leaks;
- Landslides and groundwater flow;
- Collision with a vehicle or animal;
- Breaking of windows, display cases, and advertising signs;
- Vandalism and malicious acts by third parties;
- Sprinkler system malfunction;
- Damage caused by ocean waves;
- Short circuit and power surge;
- A shock wave or sound wave;
- Accident during loading and unloading operations;
- Problems when changing the address on the insurance policy;
- Other specific expenses.
Extended coverage:
- Burglary or armed robbery;
- Electronic equipment;
- Machinery breakdown;
- Suspension of business operations;
- Loss of rental income;
- General liability insurance;
- Tenant's responsibilities;
- Cash on hand.
Examples of risk classes
- Risk Class 1 – condominiums (residential buildings), schools, kindergartens, office buildings, etc.
- Risk Class 2 – sports facilities, hotels, shopping centers, supermarkets, hospitals, museums, stores (selling non-flammable goods), water supply companies, etc.
- Risk Class 3 – movie theaters, concert halls, markets and bazaars, gas stations, auto repair shops, stores (selling flammable goods), warehouses, bakeries, etc.
How to get the insurance?
Quick and easy at any DSK Bank office in the country
Information about the terms and conditions can be received at any office or by sending an inquiry