Fire & commercial multi-risk
Commercial

Fire & commercial multi-risk

Your premises, inventory and equipment are the heart of the business. We protect them against fire, natural events, theft and more — so a loss doesn’t stop your operation.

Fire is only the starting point: a good commercial (multi-risk) policy protects the building, contents, merchandise and equipment against fire, explosion, flood, earthquake and theft, and includes business interruption that covers the income you lose while you recover. We size sums at replacement value so you can rebuild without loss.

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Mint Group · Commercial brand of Pledge Co, S.A. · SSRP PJ 995
We represent
Internacional de SegurosMAPFRESURAASSAÓptimaMercantilAcertaAncónBanesco SegurosCHUBB
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Ideal for
Shops and storesOfficesWarehouses and inventoryPlants and workshops

What your policy can cover

01
Fire & allied lines
Fire, lightning, explosion and smoke — the core of the commercial policy.
02
Natural events
Flood, storm and earthquake per the coverages taken.
03
Theft of contents & goods
Replacement of goods and inventory after a violent break-in.
04
Equipment & machinery
Protection of the business’s productive assets.
05
Glass & signage
Breakage of glass, display windows and commercial signs.
06
Business interruption
Income you lose while operations are halted by a covered loss.

Additional coverages & options

Don’t see what you’re looking for? There’s far more — we work with nearly every coverage in the market. Tell us what you need.

+Electronic and computer equipment
+Power-surge damage
+Refrigerated-goods spoilage
+Commercial liability
+Money and valuables
+Extraordinary operating expenses

When your policy responds

Warehouse fire
A fire consumes part of the inventory. The policy covers the goods and the rebuild.
Flooded premises
A storm floods the store and damages equipment. The claim covers replacement.
Inventory theft
The premises are broken into and merchandise taken. Theft coverage replaces it.

Frequently asked questions

What people ask us most about this coverage.

What is a multi-risk policy?
It combines several coverages in one contract — fire, natural events, theft, equipment and business interruption — for the business.
Does it cover earthquake?
It’s a coverage you add; in Panama we recommend it and quote it so you decide with the figure in hand.
What is business interruption?
It covers the income you lose while your business can’t operate after a covered loss.
At what value should I insure?
At replacement value, so you can rebuild or replace without covering the difference.
Let’s design your coverage.
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This content is general and informational. Coverages, limits and exclusions are governed by the conditions of each policy and carrier.
Guide: business insurance in Panama →See all coverages →