{"id":466,"date":"2022-06-17T18:00:47","date_gmt":"2022-06-17T16:00:47","guid":{"rendered":"http:\/\/mibinter.eu\/?p=466"},"modified":"2025-12-25T20:48:25","modified_gmt":"2025-12-25T19:48:25","slug":"vagyonbiztositasok","status":"publish","type":"post","link":"https:\/\/mibinter.eu\/en\/vagyonbiztositasok\/","title":{"rendered":"Property insurance"},"content":{"rendered":"
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\n\t\t\t\t\tAll Risk<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Coverage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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MIB International Biztos\u00edt\u00e1si Alkusz<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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When brokering property insurance, we first assess the existing insurance coverages and draw up a risk map to ensure transparency.<\/p>

When establishing insurance coverages, we aim for an All Risks (i.e. covering all risks) type of coverage, which regulates the scope of insured risks through the exclusion of events from coverage. This provides a much broader coverage than the \"Named Perils\" coverage used in the past.<\/p>

Depending on the risks, we propose estimated and reasonable compensation limits for risks such as burglary, glass breakage, and vandalism.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\tInsurance<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Contracts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Insurance contracts are prepared in such a way that they include the possibility of a guaranteed reduction of fees in the event of a favorable loss ratio, in the form of a pre-declared claims ratio bonus clause.<\/p>

We consider it essential to carry out an on-site inspection of the insured property for higher sums insured, in which, in addition to the risks, we assess the existence of fire and burglary protection systems and record the applied loss prevention measures for the insurer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\tProperty<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Property insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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During the recovery period following a property insurance event, until the partially or fully shut down production\/service can be resumed in the building affected by the insured event, we recommend taking out a shutdown insurance policy to cover the losses incurred during the shutdown (lost profits, fixed costs during the shutdown period, e.g. wages, interest on loans, utility charges, royalties, etc.). This cover will also cover the additional costs of any temporarily relocated production\/service.<\/p>

Property insurance also includes machinery breakdown insurance for various types of production equipment, technical equipment (including construction machinery, material handling equipment, etc.), and special electronic insurance cover for electronic equipment. Both types have in common that they provide All Risks cover, including in the event of operator error, clumsiness, improper settings, etc.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\tInvestment<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Investments<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tIt is also important to have comprehensive insurance coverage for capital works, which is covered by the Constructors All Risks (C.A.R). The insurance covers both property risks (all contractual performance of the contractor and its subcontractors) and liability risks (claims for damages to persons and property in connection with the execution of the construction works).\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

When brokering property insurance, we first assess the existing insurance coverages and draw up a risk map to ensure transparency.<\/p>","protected":false},"author":2,"featured_media":1407,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-466","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-egyeb"],"acf":[],"_links":{"self":[{"href":"https:\/\/mibinter.eu\/en\/wp-json\/wp\/v2\/posts\/466","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mibinter.eu\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mibinter.eu\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mibinter.eu\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/mibinter.eu\/en\/wp-json\/wp\/v2\/comments?post=466"}],"version-history":[{"count":0,"href":"https:\/\/mibinter.eu\/en\/wp-json\/wp\/v2\/posts\/466\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mibinter.eu\/en\/wp-json\/wp\/v2\/media\/1407"}],"wp:attachment":[{"href":"https:\/\/mibinter.eu\/en\/wp-json\/wp\/v2\/media?parent=466"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mibinter.eu\/en\/wp-json\/wp\/v2\/categories?post=466"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mibinter.eu\/en\/wp-json\/wp\/v2\/tags?post=466"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}