Large Companies
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Avéro has developed, for your ease, the concept "Field underwriting". Our underwriters, specialists in their field – and therefore yours – help your broker to assess the risks, make recommendations regarding prevention, draw up an offer and, if applicable, issue a cover on site. This is one way for Avéro to exercise empathy and proximity, since we are convinced that effective underwriting is done fully aware of the facts, in the field.The underwriting and the claims management will be done by the same team – a highly appreciated asset in this very specific subject.
Machinery breakdown and business interruption: :
Your machines and installations play an essential part in the operation of your company.
Machinery breakdown insurance covers the risks associated with their use whether you are the owner or lessee of the machinery. This insurance indemnifies the material damage caused, inter alia, by human factors, internal or external causes or natural phenomena.
An insurance for business interruption resulting from a machinery breakdown is highly recommended.
All risks for Construction Site and Handling Equipment
This insurance, related to machinery breakdown insurance, covers hoisting and handling equipment and construction site equipment.
The purpose of this contract is to indemnify this equipment against accidental damage that may occur, whether this be whilst in operation or at rest or during dismantling, loading, land transportation, unloading and reassembly as a normal part of their activity.
This insurance is offered to you on an All Risks or All External Risks (i.e. excluding internal causes) basis.
Office All Risks
Any industrial or commercial company operates with computer or office equipment, with the majority of its activities often being totally dependent on this equipment.
Office all risks insurance is not limited to computer and electronic office equipment, but also covers electronic equipment such as that used in the medical industry or in laboratories, measuring devices, etc..
Office all risks insurance indemnifies you on the basis of replacement as new value.
Assembly and tests
Assembly and Tests insurance covers the unforeseeable and sudden damage suffered by the objects insured as described in the contract (machines, mechanical, electric or electronic devices and installations, metallic constructions) as well as the assembly equipment and other objects present on the assembly sites, during the assembly and adjustment (tests).
The damage occurring to the named property during loading and land transportation can also be covered.
Inter alia, the following are covered: the human factor, internal and external causes (fire, theft, etc.) and natural phenomena.
Contractors’ All Risks
This insurance, also named CAR (Construction All Risks) is taken out by the contractor, the sub-contractor, the client and the developer, with the major advantage that all parties involved in the construction will be co-insureds
CAR insurance is taken out for a specific project or as part of an open cover, intended for contractors who continually have construction projects in progress.
This insurance comprises two parts:
- material damage insurance including:
- the construction works and their equipment
- the temporary construction works
- the construction lines and their equipment
- the construction site equipment
- the property itself
- third party liability insurance
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