BUSINESS PROTECTION

Fire/Explosion Insurance
This coverage is designed to protect your business premises, equipment, office furniture, and merchandise from the following risks:

• Fire, explosion, implosion, and smoke
• Lightning strikes
• Accidents involving electrical and electronic devices
• Falling aircraft, vehicle collisions
• Natural events
• Riots and civil unrest
• Rescue and firefighting measures in the event of a fire

This coverage ensures the loss, destruction, or deterioration of goods, equipment, and office furniture in the event of:

• Theft or attempted theft
• Acts of vandalism
• Physical violence or threats against staff

This coverage protects your business assets (building, furniture, equipment, and goods) against damages caused by:

• Water leaks or overflows from water pipes, water-based appliances, and heating systems
• Accidental rainwater infiltration through roofs
• Sewer backups

This coverage applies in case of material damage caused to glass and other similar glass or plastic products, resulting from:

• Unintentional acts by employees
• Intentional or unintentional acts by third parties
• The breaking of the sound barrier

This coverage is designed to protect your machines and industrial equipment, including:

• Electrical equipment and hydroelectric machines
• Heating systems, hot water production systems, air conditioning, gas production and distribution machines
• Production and processing machinery
• Construction and handling equipment

This coverage protects information processing equipment, including:

• Telecommunications equipment: telephones, fax machines, telex, etc.
• Computer equipment: central units, keyboards, consoles, screens, control units, printers, etc.
• Computer media
• Audiovisual equipment
• Medical equipment
• Ancillary equipment: electronic installations and air conditioning systems
• Computer media: tapes, disks, floppy disks, etc.

This coverage protects against financial losses resulting from a decrease or halt in business operations due to:

• Slowdown or stoppage of production
• Loss of revenue and customers
• Difficulty in covering fixed costs and certain exceptional expenses

The business interruption insurance covers:

• Fixed costs (salaries, taxes, financial expenses, etc.)
• Loss of operating profit
• Additional expenses for restarting business operations (e.g., renting new premises, paying overtime, outsourcing)

This coverage offers a single contract that includes all the vehicles owned by the company. In addition to liability coverage, this policy provides:

• Legal defense and recourse
• Protection for the driver and passengers
• Glass breakage
• Fire
• Theft
• Damage from any accidents or collision damage
• Depreciation buyback

This coverage protects against damages or losses suffered by the vessel, including its machinery and equipment, as well as legal liability toward third parties due to negligence related to ship operations or the actions of the captain or crew. With this coverage, you benefit from:

• Coverage for all damages and losses resulting from any accidents, events, or perils of the sea
• Full protection against events leading to a loss or damage to the insured vessel, unless explicitly excluded in the policy or by mandatory law
• Coverage of costs, expenses, and disbursements you may face, such as contributions to general average, assistance and rescue expenses, and precautionary measures taken in the interest of the vessel
• “F.A.P Sauf” guarantee covering material damage and losses caused by events strictly listed in the policy
• Coverage for expenses such as retirement costs, safe arrival, etc.

By Land within Morocco:

This coverage protects your goods transported by land within the Moroccan territory in case of damage or loss resulting from:

• Fire, explosion, or lightning strike
• Collision, overturning, or falling of the transport vehicle
• Chassis or wheel breakage
• Tire bursting or brake failure leading to collision, overturning, or falling…

By Sea or Air:

For your import and export operations, goods transported by sea and/or air, as well as the land transport related to maritime and/or air transport, can be insured either under a broad framework, known as “all-risk,” or a more restricted framework, called the “particular average exclusion” guarantee.

This insurance covers bodily injury, property damage, and immaterial damage that your business may cause to third parties through:

• Company personnel
• Equipment
• Goods not yet delivered
• Buildings where the company operates

This coverage protects against the financial consequences of bodily injury, property damage, and immaterial damage caused by your company’s products to third parties due to:

• A defect, whether visible or hidden
• An error, defect, negligence, or fault in the design, preparation, manufacture, storage, packaging, or labeling of your products.

Business Multi-Risk Solutions:

1. Industrial Multi-Risk: This coverage addresses the basic insurance needs of your business and includes the following guarantees:

   • Fire/Explosion and associated risks
   • Machinery Breakdown
   • Business Interruption after Fire and Machinery Breakdown
   • All Risks for IT and Electronic Equipment
   • Theft and Acts of Vandalism
   • Water Damage
   • Civil Liability for Operations, etc.

2. SME/SMI Multi-Risk: In addition to basic coverage (fire, water damage, glass breakage, theft, etc.), it includes:

• Damage caused by natural events (storms, hail, snow, floods, tsunamis)
• Damage caused by sewer backflows, risks of riots and public unrest, indirect losses.

Optional Coverage:

• Business interruption after fire and/or machinery breakdown
• Civil liability for equipment and delivered products, transported goods, etc.

All Risks Construction & Assembly Multi-Risk:

The “All Risks Construction and Assembly” insurance includes a range of damage and liability guarantees designed to maximize risk coverage according to your needs.

Let me know if you need further details on any of these coverages!

• Natural events: Flooding, river floods, earthquakes.
• Fire, explosion, theft, water damage.
• Collapse.
• Design, plan, or calculation errors.
• Defects in materials or implementation.
• Subsidence, landslides.

This coverage ensures that your structure is protected against a wide range of potential risks during construction or renovation. Let me know if you’d like more information!