Property Damage (PD)
Aimed at persons interested to insure office buildings and other constructions and/or goods inside a building (equipment, machinery, stocks) against basic risks-fire, lightning explosion, aircraft-FLEXA or other mentioned risks: earthquakes, floods, landslides, water pipe damages etc.

Valuable items insurance
It covers damages produced to valuable items (money, precious metals, paintings, etc.) during transportation on the Romanian territory, according to the current provisions of laws and regulations, against risks such as natural phenomena, armed robbery or traffic accidents in which the means of transport of valuables is involved.

Business Interruption (BI)
It is an extension to the property insurance. Beside its general inclusion, MBK covers the sudden, unpredictable damage or destruction, errors in design, material and casting faults, insufficiency of water in boilers, dismantling by reason of centrifugal force, short circuit etc, which are not particularly excluded and make repairing or replacement of such property necessary

Terrorism & Sabotage
These cover the sabotage and terrorism risks faced by multinational companies operating in countries where these risks are normally excluded from standard insurance programs.

Construction All Risk (CAR) / Erection All Risk (EAR)
Aimed at legal persons which perform construction/erection activities, it provides insurance for civil, industrial or administrative construction and erection works (installations, equipment). Covered risks include material damages to the construction/erection works, as well as contractor's third party liability during the insurance period.

Electronic Equipment Insurance (EEI)
Coverage for damage electronic equipment, such as office equipment, communication or medical equipment or alarm systems; the insured goods have to be used in industrial/commercial purpose and are covered against risks such as theft/burglary, fire, explosions, natural phenomena or fluctuation in the electrical power level.

Crop insurance
Insurance coverage available to farmers against loss or damage to growing crops as a result of natural hazards (hail, drought, flood, insects etc.)

Livestock insurance
Lump sum benefit payable to the insured for animals death by a stated cause (natural phenomena, accidents, disease).

Third Party Liability (TPL)
It covers the insured’s expenses for material damage or bodily injuries caused to third parties on the insured’s premises, including court expenses that the insured may have to pay in a civil law suit.

Product liability (PL)
It covers the amount the insured is legally hold liable for in case of loss or bodily injury incurred by a third party as a consequence of flawed product sold or manufactured.

Tenant's Liability (TL)
It covers the tenant when s/he is legally obliged to compensate the owner for damage to the property.

Employer's Liability (EL)
It reimburses to the employer those amounts which the employer is legally obliged to pay because of physical injury by accident or disease by any employee of the insured arising out of and in the course of his/her employment by the insured.

Environmental Impairment Liability (EIL)
It covers the company's liability in case of damages leading to environmental pollution and, sometimes, cleanup costs associated with pollution.

Accidental pollution
Insurance against damages to natural habitats and/or endangered species as a result of accidental pollution.

Professional Indemnity Insurance (P.I.)
The policy protects either individuals employed as architects, constructors, medical personnel, accountant experts, auditors and other freelancers, or companies carrying out such activities on behalf of the employer. Under this policy, the insurer undertakes to cover the claims lodged by the insured’ clients for any prejudices occurred within the validity period of the policy, even if the respective prejudices are disclosed after the expiry date of the policy, but not later than 1 year. Furthermore, the insurer offers coverage for the insured’s professional liability arising from their wrongful actions or negligence while performing their activity.

Directors / Officers Insurance (D/O)
It protects directors and officers from financial liability claims arising out of alleged errors in judgment, breaches of duty, and wrongful acts related to their organizational activities. It applies to all the former, present and future administrators or executive directors in office since.

Goods in transit Insurance (CARGO)
It covers the cargo carried by sea, land or air against risks such as loss and/or damage of the insured goods.

Carrier's Legal Liability (CMR)
It covers the carrier's liability for international transports accordingly to the CMR Convention in force.

Mandatory Motor Liability (RCA)
Compulsory third party liability insurance for motor vehicles or fleets of vehicles.

Hull insurance (CASCO)
Comprehensive motor insurance for vehicles or fleets of vehicles, covering risks such as material damage, theft, vandalism etc.

Green Card
It covers material damage or bodily injury following accidents and is similar to the Motor Liability Insurance and but it is a mandatory insurance with effect outside the borders of the country where the vehicle is registered.

Key men insurance
It will help protect your business from unfortunate circumstances that may affect your business if one or more of the key staff cannot work for the company anylonger. The policy provides financial compensation if the company has to temporarily hire new staff and it also covers protection of profits.

Kidnap & Ransom
Insurance policy for kidnapping of employees, offering coverage for ransom money, reward money, negotiation services costs or family counselling.

Cyber Risk
Coverage against hackers who can access the company computers to send a virus, release important customer data, access the network and transfer money; also, copyright infringement claims.

Event Cancellation and Non-appearance
Insurance against risks such as cancellation of the event (concert, sport event, etc.) because of non-appearance or bad weather or against accidents suffered by people present at the event or by employees working for the contracting party.

Bonds
Products that offer guarantees to the benefiting party regarding the smooth running of the contract with the employed party (service providing companies, equipment suppliers, etc.).

Types of bonds:

• Bid Bonds
• Performance Bonds
• Maintenance Bonds
• Advance Payment Bonds

Trade credit insurance
Trade credit insurance provides coverage for manufacturing and trading companies against the risk that their buyers do not pay (because of bankruptcy or insolvency) or pay very late.

Banker's Blanket Bond
A fidelity bond that offers coverage against losses that may occur because of dishonest acts of employees in the banking sector. It may be applied to individual employees or to a position in the company.

Computer crime
It covers expenses due to breach of notice for companies that operate internet based businesses; if data has been breached, the company has to notify everyone affected (send notices, set up a call-center, hire an attorney). Also, the policy offers coverage for lawsuit expenses.

Commercial crime
It offers coverage to commercial companies against fraud committed prior to the inception of cover, but discovered during the policy term; also, employee dishonesty coverage, forgery/alteration, computer fraud or kidnap & ransom.

Fidelity Guarantee
The policy insures the company against loss of money, negotiable instruments or goods belonging to the business resulting from an act of fraud committed by an employee and discovered during the insurance period.