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DUAL Commercial Combined insurance
Comprehensive insurance for SME
DUAL Commercial Combined insurance is a solution that covers the risks associated with the operations of small and medium-sized enterprises. Its comprehensive coverage and ease of use help your company focus on what matters most: your business.
DUAL Commercial Combined insurance always includes property insurance, general liability insurance, and legal expenses insurance, which cover risks that all companies face. Depending on your company's needs, the insurance coverage can be extended to include, for example, business interruption insurance, product liability insurance and professional indemnity insurance.
Key content and benefits
Property insurance
Covers sudden and unforeseeable property damage to movables or buildings in accordance with the all-risk principle, caused by, for example, breakage, fire, burglary, leakage, or storm. Compensation is usually paid according to the replacement value.
General Liability insurance
Liability insurance covers you if you cause bodily injury or property damage in the course of your business and are liable for compensation under current law.
Legal expenses insurance
Legal expenses insurance covers the risk of costs arising from disputes related to your company's operations. We will compensate your company for necessary and reasonable legal and litigation costs incurred from using legal assistance in disputes, criminal cases, and applications.
It is worthwhile extending your insurance cover?
In addition to the above-mentioned insurance, it is sensible to supplement your company's insurance cover for the following risks, among others:
Financial losses caused by business interruption
- Liability for damages caused by you in consulting or expert assignments
- Liability for damages caused by products you manufacture or sell
- Personal liability of your company's management
- Damages caused by crimes committed against your company
Please contact us for more information.
What is not covered?
Property insurance does not cover, among other things
- Damage caused to motor vehicles, aircraft, or watercraft
- Gradual damage
- Damage caused by workmanship or manufacturing defects
- Damage caused by inadequate servicing or maintenance, forgetfulness, loss, fraud, or pests
Liability insurance does not cover, among other things
- Damage caused to oneself
- Liability for compensation related to slowly developing moisture damage
- Liability based solely on an agreement
- Costs incurred by the policyholder for correcting faulty work
- Damage caused by subcontractors or subsidiaries, unless this has been specifically agreed
Legal expenses insurance does not cover, among other things
- The insured's own work, loss of time, loss of income or earnings, or travel or accommodation expenses
- Matters or situations dealt with by administrative authorities or special courts, such as administrative courts
Situation where the prosecutor has brought charges against the insured - Costs related to disputes concerning rental agreements of real estate or apartments, unless the insured company is the tenant and the rented apartment or property is used as the insured company's premises and is under its control
All insurance policies are subject to restrictions and other conditions. The detailed content of your company's insurance policies is set out in the insurance policy and the insurance terms and conditions, which you should read carefully.
Why DUAL?
Guaranteed speed
When time is of the essence, please contact us. Our flat hierarchy and efficient processes enable quick decisions.
Solving complex situations
We offer simple solutions in a complex field. We strive to make life easier for our customers and partners.
Customer service at the heart
As an independent company that always thinks long-term, all our employees are committed to providing excellent service.
Information needed for insurance
Our experts will familiarise themselves with the risks associated with your company's business. This starts with questions related to the nature and scope of your business, location, contracts, risk management practices, and other processes. This allows us to identify the most critical risks to the continuity of your business, which your company needs to prepare for with insurance.