Coffee Shop on rental / Contents, Furniture, Stock & Outside structures total insured amount €53,500👉 estimated premium €400-€500- Upfront fee for quotes €40

 Property Insurance Outline – Café & Mixed-Use Building 

(Theft insurance extra at an additional cost of €60-€70)

Structure: Reinforced concrete and steel frame, internal walls made of brick and gypsum board, concrete roof. Renovation: Full renovation and replacement of piping completed in 2024.

Building renovation €5.500
Furniture and Fittings  €25,000
Stock €9,000
Outside buildings €14,000 

TOTAL SUM INSURED €53,500

Occupancy:

Ground Floor: Café and retail shops

Upper Floors: Residential apartments

 Property Covered:

External Property & Fixtures:

Awnings, signage, decorative items, external blinds, fabric or reed ceilings, TV/radio/satellite antennas and accessories, poles and masts, solar and photovoltaic panels. Outdoor areas including fencing, gates, kiosks, and swimming pools.

Limit per incident & per insurance period: €10,000

External Items:

Personal items or objects located in outdoor areas.

Limit per incident & per insurance period: €1,000

Electrical & Electronic Equipment:

Covers damage to any electrical or electronic device or part of the electrical installation caused by:

• • Short-circuit (with or without flame)

  • Overspeed

  • Overpressure

  • Self-heating

  • Overheating

  • Arcing

  • Electrical leakage due to lightning

Limit per incident & per insurance period: €10,000
Excess: €500 or 5% of the claim amount, whichever is greater

Insured Perils:

Earthquake and/or volcanic eruption

Pipe burst

Flood

Storm, cyclone, whirlwind, tornado, typhoon

Aircraft or aerial device crash

Explosion

Malicious damage or vandalism

Impact by vehicle or animal

Strike, riot, and civil commotion

Excess per claim:

€500 or 5% of the loss, whichever is greater

*IF ADDING THEFT INSURANCE THE BELOW WILL APPLY

CCTV System Requirements:

• The system must remain operational at all times (24/7).

• It must be properly maintained in good working order by the manufacturer or a suitably qualified person.

• Any faults or malfunctions must be repaired immediately upon discovery.

• The system must continuously record, and data should be retained for a minimum of 72 hours.