National Joint Stock Insurance Company "Oranta" performs insurance of property that belongs to legal entities by property right and also mortgaged property, tenancy, property in leasing in case of its loss or damage as a result of the following risks:
fire (conflagration, explosion, lightning stroke, falling on insured property of piloted aircrafts, their parts or any cargo transported by them);
acts of Nature (storm, whirlwind, hurricane, gale, hail, rain showers, snow cover pressure, flood, earthquake, rock falls and avalanching, and other natural disasters);
influence of liquid (influence of liquid from plumbing, sewerage and heating systems as a consequence of their break or overflow, including that from the adjacent premises which do not belong to Insured);
illegal actions of third parties (theft, robbery, brigandage, intentional destruction or damage of property, including arson);
runover of vehicles on insured property.
"Oranta" Incorporated accepts for insurance:
real property:
ground areas;
buildings and constructions (or their parts);
equipping (of buildings).
personal property:
industrial equipment;
shop equipment;
computers and office appliances;
furniture and office equipment;
commodity and material provisions.
Sum insured is determined as a full or partial cost of insured property within the limits of its actual cost, which is confirmed by the proper documents (expert’s evaluation, balance sheet value, etc.).
Insurance tariff depends on insurance object, chosen risks, insurance term, other factors and is within 0,09–1,5% of the Sum insured.
Insurance compensation is paid out within the limits of the Sum insured and depends on the amounts of direct property losses, caused as a result of any loss or property damage.
