MelitaUnipol Insurance Agency is a trusted provider of top-quality commercial and industrial insurance policies in Malta. We understand that every business has unique insurance needs, that’s why we offer a variety of customisable insurance solutions to protect your assets, employees and operations. Our team of experienced professionals work closely with each client to identify their specific risks to develop a tailored commercial insurance and industrial insurance plan that provides comprehensive protection. Contact us to learn more about our commercial and industrial insurance options and how we can assist you in protecting your business from unforeseen risks.
The Product is manufactured by MMS and distributed by MelitaUnipol Insurance Agency Ltd
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Protecting your Business Assets: Commercial and Industrial Insurance Malta
Types of Commercial and Industrial Insurance
At MelitaUnipol Insurance Agency, we offer a waste range of products specifically designed for your needs:
– Industrial All Risks / Accidental Damage
The commercial and industrial policy provides cover for specified perils including accidental loss, and damage to the insured property including theft.
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– Plate Glass
This commercial insurance policy provides cover for accidental damage to fixed glass such as shop facades.
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– Personal Accident
This is a benefit policy that provides cover in the event of accidental death as well as permanent or temporary disablement. Commercial and industrial insurance may be extended to include medical expenses incurred following an accident.
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– Deterioration of Stock
Deterioration of stock insurance covers damage to goods stored in specified cold storage spaces, which occurs as a result of a change in temperature caused by a breakdown of the refrigeration equipment or accidental damage to it.
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– Directors and Officers
D & O of a company are covered against their personal legal liability including defense costs and expenses as a result of a alleged wrongful act committed whilst acting in such capacity. The policy covers negligence, error and omission, breach of duty and liability arising out of mismanagement of a company which result in adverse financial consequences.
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– Public Liability
The public liability insurance covers your business against legal liability to pay compensation for death of or bodily injury to third parties or loss or damage to third party property arising out of the business activities of the insured.
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– Employers Liability
The commercial and industrial insurance cover indemnifies an employer for legal liability to pay compensation as a result of death or bodily injury suffered by an employee during his employment.
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– Business Interruption
Business Interruption insurance is designed to cover lost income when you have to close your business temporarily as a consequence of a material loss.
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– Fire & Special Perils
Indemnifies you following loss or damage to your property against a specified perils such as earthquake, lightning, storm, and explosion including theft from your premises.
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– Personal Accident
Personal accident policies to compensation individuals as a result of an injury.
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– Electronic Equipment
This policy provides protection against physical loss or damage to electronic equipment. A number of extensions are available in the local market including reimbursement costs for reinstating lost data and other additional expenses.
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– Money
This policy covers money in transit, whilst at your premises or in a bank. Money policies may also be extended to cover personal accident assault.
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– Goods In Transit
Goods in transit policies covers loss or damage to goods/property whilst in transit within the company vehicles including loading and unloading .
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– Tool of Trade
This a public liability policy covering third party property damage and bodily injury which is specifically catered for vehicles such as cranes, hi-ups whilst being used as a tool.
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-Condominium
Accidental Damage cover to buildings of the entire block including liability cover. This policy is ideal for large complexes which include a high number of apartments.
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-Commercial Home
If you rent out your property to third parties, this is the policy for you. It covers the buildings, contents and liability to others.
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-Hoteliers
A combined policy which covers the entire hotel for buildings, contents, liabilities including a vast range of available extensions.
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-Theft
This policy covers your loss in the eventuality your contents are stolen.
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-Fidelity Guarantee
Fidelity guarantee insurance (FGI) exists to safeguard your firm or organisation against theft of the firm’s own money, securities or property by an employee, partner, contractor or volunteer.
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-Products Liability
A Product Liability policy will cover your legal liability arising out of the products you supply. For example, if you supply a washing machine which develops a fault causing damage to your client’s home, this policy would cover the costs involved.
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-All Risks
All Risks property insurance covers a loss arising from any fortuitous cause except those that are specifically excluded.
Product Information Document
The Product is manufactured by MMS and distributed by MelitaUnipol Insurance Agency Ltd
At MelitaUnipol Insurance Agency, we understand that each commercial and industrial business has unique risks and insurance requirements, that’s why we offer tailored commercial and industrial insurance in Malta. We specialise in providing comprehensive commercial and industrial insurance solutions that are tailored to meet the clients’ specific needs. Having the right insurance for a commercial business is critical for protecting your commercial business and industrial assets from unexpected risks. Our team of experienced agents take the time to learn and understand your business and its unique risks, so we can develop a comprehensive commercial insurance plan that provides the coverage you need to protect your assets, employees and operations. Contact us today to learn more about our commercial and industrial insurance options and how we can help safeguard your business. Let us provide you with the peace of mind that comes with knowing your business is well-protected.
