The combination of real estate and its attachments, fixed installations of water and gas, of electric and solar energy or similar, of telecommunications, of protections against fire and theft, and of heating and cooling or air conditioning, fixed antennas of television or radio, as well as the devices or elements necessary for the operation of all said facilities, like boilers, heaters, accumulators, radiators or others with similar characteristics and functions (except those destined to the development of the insured activity itself), underground works and foundations, as well as any service or recreation facility that exists within the premises of the insured concern that is property of the Insured, or of the lessor in the event that what is insured is damages to rented property (meaning the tenant insures the premises on behalf of someone else).
In the case of jointly owned property, the proportional part that corresponds to the insured is included, according to their percentage of joint ownership, in the common parts of the building in which the insured establishment is located. However, the effect of this coverage is subject to whether, once damage covered by this contract has occurred, the owners' association's governing bodies formally agree to an extraordinary fee to cover repair costs and issue the corresponding nominal receipts for this purpose.
Fixed elements of decoration are considered an integral part of the premises, such as dropped ceilings, glass, placards, awnings, carpets, lining, wood and wallpapers attached to floors, walls or ceilings, as well as sports facilities and distribution, perimeter or containment walls and fences that are contained in or delimit the insured premises.
Content comprised, for the purposes of the contract, by the assets found in the insured concern and described in the particular conditions of the insurance, as indicated below:
- Machinery and furniture
The combination of movable assets, machines (including those for the capture, production and transformation of electrical energy), electronic equipment, motors, tools, spare parts, lighting, refrigeration or heating devices intended for the development of the insured activity itself and that are owned by the insured. Also considered machinery and furniture are office material, office machines and furniture, commercial furniture, patterns, molds, models and originals, image and sound devices and, in general, any mobile installation and fixture not included in the definition of the premises that is found in them as a result of the concern's economic activity, and that is owned by the insured, with the exceptions provided in the general conditions.
- Goods and stock
The set of raw or auxiliary materials, goods in the process of being manufactured and finished products, which are found on the premises of the insured concern in pursuit of its economic activity and are property of the insured, with the exceptions provided in these general conditions. Assets owned by third parties, but in the custody of the insured, and that are within the premises of the concern will also be considered content, provided all the following conditions are met simultaneously:
- They are related to the activity that is the subject of the insurance.
- The value of said goods is included in the sum insured for the content and are not of a class or nature specifically excluded by virtue of any other condition of the contract.
- The insured is civilly liable for the damages suffered. In the event that the insured were not responsible for the damages produced, this coverage will act in excess or defect of other insurances that specifically cover these assets.
Only for coverage of fire plus supplementary risks plus water damage:
- Employee owned assets
Such as clothing and objects for personal use that are not expressly excluded in the policy.
- Assets owned by third parties
As long as they are not excluded in the policy and the insured is civilly liable for the damages they have suffered, with a limit of € 60,105 only for businesses.
- Temporarily displaced assets
Assets transferred from the insured premises to any other place in the national territory for repair, entertainment or exhibition. Limit: € 6,015 / claim, a maximum 60-day displacement.
- Assets outdoors
Assets that are found outdoors and that belong to the insured or to third parties and that are within the insured premises
- Cash and cheques:
Also postage stamps and stamped bills of exchange. Limit of 605 €.