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Proteção Negócio

Advantages

A multi-risk insurance that provides the appropriate protection for your business with 23 base covers and 20 optional covers;

  • Possibility of combining covers to better adapt them to your business;
  • Four pre-defined cover packs designed according to activity sectors, offering a 10% discount in the Base-Cover:
    • Hotels and Restaurants
    • Health and Leisure
    • Services
    • Retail

02.002.6467

What are the costs

The insurance premium varies in accordance with contracted covers and existing anti-theft systems.

Payment periodicity and payment fraction expenses: you may choose to pay your insurance every year, every six months or every three months (accrues 5% or 8% of fraction charges depending on whether the payment is made every six months or quarterly).

Example: annual premium of € 92.01(*) for a Business Protection Insurance with the 23 Base-Covers and the following characteristics:

  • Building Capital: € 100,000
  • Security Measures: Alarm
  • Under risk conditions that do not imply premium aggravations.

(*) € 5.65 (cost of the policy including legal charges) will be added to the first payment.

Features

The right amount of Protection: in Business Protection you may choose pre-defined solutions where, apart from the 23 Base-Covers, you will also find Additional Covers that meet the needs of every activity segment:

Hotels and Restaurants Health and Leisure
Base Cover + Recommended Offer
Machinery breakdown Damage to Landlord's Property (Contents)
Damage to Landlord's Property (Contents) Fixed Electronic Equipment
Deterioration of Refrigerated Goods Dispossession of the rented or occupied place
Dispossession of the rented or occupied place Recovery of Information on IT support
Services Retail
Base Cover + Recommended Offer
Fixed Electronic Equipment Damage to Landlord's Property (Contents)
Damage to Landlord's Property (Contents) Dispossession of the rented or occupied place
Restoration of Documents Prejuízos Indiretos
Recovery of Information on IT support Machinery breakdown

If you choose one of these pre-defined options you will get a 10% discount on the Base-Cover

À la Carte Protection for your Business: You may add to the 23 base covers of your insurance up to 20 Additional Covers especially designed to protect your business.

Covers, Capital and Excess Amounts

BASE COVER CAPITAL/ INDEMNITY LIMIT EXCESS
Building Contents
Fire, Lightning Strike and Explosion Insured Capital No excess
Storms Insured Capital 10% Min. Ind. Dam. € 250
Floods Insured Capital 10% Min. Ind. Dam. € 250
Water Damages Insured Capital 10% Min. Ind. Dam. € 250
Theft or Robbery Insured Capital 10% Min. Ind. Dam. € 250
Aircraft crash Insured Capital No excess
Collision or Impact of Land Vehicles Insured Capital No excess
Collision or Impact of Solid Objects Insured Capital No excess
Oil Leaks from Heating Systems Insured Capital 10% Min. Ind. Dam. € 250
Strikes, Tumult and Public Order Disturbances Insured Capital 10% Min. Ind. Dam. € 250
Breakage of glass 5% of the insured capital, maximum of € 2,500 10% Min. Ind. Dam. € 250
Breakage or Falling of Antennas 5% of the insured capital, maximum of € 2,500 10% Min. Ind. Dam. € 250
Breakage or Falling of Solar Panels 5% of the insured capital, maximum of € 5,000 10% Min. Ind. Dam. € 250
Demolition and Removal of rubble Up to 10% of the damages No excess
Contents Custody Not applicable 5% capital,
max. € 750/month
No excess
Temporary Move Not applicable 5% capital,
max. € 750/month
No excess
Extra-contractual Civil Liability 10% of the Insured Capital with a minimum of € 5,000 and a maximum of € 50,000 10% of Min. Material Damages 
€ 250 Not applicable to Body Injuries
Legal costs arising from homeowner or occupant civil liability Costs: € 2,500
Fees: € 1,500
No excess
Breakdown search and repair 2.5% of capital,
maximum € 2,500
Not applicable 10% Min. Ind. Dam. €  250
Assistance Not applicable Several - see hereunder
Landslide Insured Capital 10% Min. Ind. Dam. €  250
Aesthetic Damages Maximum: € 2,500 Mio Not applicable 10% Min. Ind. Dam. € 250
Acts of vandalism and with malicious intent Insured Capital 10% Min. Ind. Dam. € 250
OPTIONAL COVERS CAPITAL/ INDEMNITY LIMIT EXCESS
Building Contents
Seismic phenomena (Special Condition 103) Insured Capital The amount reported for this cover
Electrical Risks (Special Condition 104) The amount reported for this cover The amount reported for this cover 10% Min. Ind. Dam. € 250
Restoration of Documents  (Special Condition 105) Not applicable The amount reported for this cover 10% Min. Ind. Dam. € 250
Damage to Landlord's Property (Contents) (Special Condition 106) Not applicable The amount reported for this cover 10% Min. Ind. Dam. € 250
Recovery of Information on IT support (Special Condition 107) Not applicable The amount reported for this cover 10% Min. Ind. Dam. € 250
Loss of Rents (Special Condition 108) 5% of insured capital - maximum € 5,000 Not applicable No excess
Damage by Smoke (Special Condition 109) Insured Capital No excess
Fixed Electronic Equipment (Special Condition
110)
Not applicable The amount reported for this cover 10% Min. Ind. Dam. € 250
Third party property in the Possession of the Insured Person
(Special Condition 111)
Not applicable The amount reported for this cover up to € 50,000 10% Min. Ind. Dam. € 250
Property of the Insured Person in Possession of Third Parties (Special Condition 112) Not applicable The amount reported for this cover up to € 50,000 10% Min. Ind. Dam. € 250
Client's Personal Accidents (Special Condition 113) Not applicable Up to € 50,000
per incident and year,
limited to € 5,000
per injured individual
No excess
Loss of Operating Profits (Special Condition 114)     3 days
Theft of Personal Objects - Owner or Employees (Special Condition 115) Not applicable The amount reported up to € 300 No excess
Assets stored in safes or in closed cupboards
(Special Condition 116)
Not applicable The amount reported up to € 2,500 No excess
Machinery breakdown (Special Condition 117) Not applicable The amount reported for this cover 10% Min. Ind. Dam. € 250
Deterioration of Refrigerated Goods (Special Condition 118) Not applicable The amount reported up to € 50,000 10% Min. Ind. Dam. € 250
Sacrifice of Assets (Special Condition 119) 5% of the insured capital, max. € 5,000 No excess
Dispossession of the rented or occupied place (Special Condition 120) Not applicable 5% of the capital, max. € 750/month No excess
Indirect Damages (Special Condition 121) 30% of the Capital of the Contents Not applicable
Legal Protection (Special Condition 122) Several - see hereunder

Covers, Capital and Excess Amounts of article 24 - Assistance

Assistance Guarantee Max. amount subject to indemnity Applicable to:
1 Expenses with moving and safekeeping Assets
- Safekeeping Objects and Assets Maximum Period
- Transportation Expenses
€ 750
60 days
€ 250
Provided that there is an incident triggered by any cover of the contract.
2 Surveillance of the place at risk
- Expenses with a security guard
Maximum Period of the surveillance /incident
€ 250
72 hours
Provided that there is an incident triggered by any cover of the contract.
3 Sending out qualified professionals
- Security Technicians
- Counselling of the Insured Person
No limit Whether the incident happens or not
4 Loss, misplacement or theft of keys; Once a year  
5 Cleaning of the Premises € 250  
6 Counselling in case of Theft No limit  
7 Hospitalization due to Accident occurred in the Insured Establishment
-Professional Nurse
-Remittance of medication
-Transportation to a hospital

No limit

72 hours
No limit
No limit

 
8 Advisory Services for the Entrepreneur
- Security Systems Advice
No limit  
9 Concierge Services
- Travel Information
- Services Reservation
- Purchase and delivery of Gifts
Service
- Special Services for executives
Accumulated maximum of 12 requests/year
(excluding Information Services)
 

Covers, Capital and Excess Amounts of the Special Condition 122 - Legal Protection

Covers MAXIMUM AMOUNTS OF THE
GUARANTEED EXPENSES
Applicable to:
1 Legal Defence
Maximum per Litigation for the expenses mentioned in paragraph a) of Number 7. (1)
Maximum per Litigation for the expenses mentioned in paragraphs b) and c) of Number 7. (1)
Maximum / year

 
€ 1,250


€ 2,000


€ 5,000

GUARANTEES (Nr. 3. of the Special Condition)
2 Damages Claim
Maximum per Litigation for the expenses mentioned in paragraph a) of Number 7.(1)
Maximum per Litigation for the expenses mentioned in paragraphs b) and c) of Number 7.(1)
Maximum / year

 
€ 1,750

 
€ 3,000


€ 7,500

GUARANTEES (Nr. 3. of the Special Condition).

(1) The value-added tax applicable on fees is deemed to be included for capital purposes.

Consult here the General Conditions of the Business Protection Insurance.

This information does not dispense with the reading of the legally required pre-contractual and contractual information.

How to subscribe

If you go to your Millennium bcp Branch you will be able to get all the information you need for the simulation and subscription of the Business Protection Insurance.

Contact us and get a personalized simulation!

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General and Special Terms and Conditions

 

FOR SUPPORT CALL


918 504 504
930 504 504
961 504 126
707 504 504

+351 210 04 24 24
(from Portugal and abroad)


Personal assistance

Products and services - available every day from 8am to 10pm, (GMT).
Technical support - available every business days from 8am to 2am to the following day and on non-business days from 10am to 12pm (GMT).



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if you call this number using
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charge per minute will be 0.13€.
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