Zurich Pyme — Multi-Risk Insurance for Factories, Workshops and Warehouses
Technical parameters
Cost
Cost Price: Calculated individually based on the activity, turnover, premises, limits and chosen guarantees
Period: annual, with automatic renewal
| General Category Characteristics | |
| Parameter | Value |
| Type of insurance | Multi-risk for small and medium enterprises |
| Business profile | Raw-material handling, manufacturing, storage, services |
| Coverage object | Premises, machinery, stock, workers |
| Civil liability | May include operational, employer’s and legal defence depending on the configuration |
| On-site assistance | Professionals available 24 hours |
| Zurich Pyme Specifications | |
| Parameter | Value |
| Sector versions | Workshops and garages, warehouses, wineries, farms, hospitality sector, gyms |
| Machinery breakdown | Can be included as an additional guarantee after accidental breakdown or rupture |
| Liability for entrusted goods | Coverage of third-party vehicles and materials in the company’s custody, subject to conditions |
| Staff protection | Employer’s liability applies to the insured persons and the situations set in the contract |
| Stock off-premises | Coverage of materials in storage outside the property when the corresponding guarantee is taken out |
| Loss of profit | Can be included as a guarantee to compensate closure after a covered claim |
A policy for those who manufacture, not just those who sell
Zurich Pyme is built for businesses that handle raw materials, manufacture, transform materials or store them, and in this it differs fundamentally from a policy for retail outlets. A workshop, a warehouse, a winery or a farm has its own risk structure: costly machinery, third-party materials in deposit, a higher likelihood of injury in physical work. The policy is assembled according to the specific sector and may cover four zones at once: the premises, the equipment, the stock and the workers themselves. Civil liability here may be included with the whole range of coverages depending on the configuration: operational, employer’s and legal defence.
Pyme’s main value appears where a standard commercial policy falls short. A machine breakdown from internal failure or rupture may be paid through a separate guarantee that halts losses from the production stoppage. If a vehicle entrusted by a client is damaged in a mechanical workshop or an employee puts in the wrong fuel, the insurer takes on the damage within the contract conditions. Employer’s liability applies to the insured persons and the situations set in the contract, and materials in a remote warehouse may be protected outside the main property when the corresponding guarantee is taken out. After a fire or breakdown, the policy not only restores the base within the sums insured but, when the corresponding guarantee is taken out, compensates lost profit during the contracted period while the business returns to activity.
Why take out Zurich business insurance through MG Seguros
- Direct exclusive agent of Zurich.
- Advice in Russian, Spanish and English.
- Cover selection by activity (actividad/CNAE).
- Verification of civil liability (RC) limits.
- Support in the event of a claim.
Typical tasks that this policy solves
Agent's opinion