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All Risks Related to the Merchant's Property

Why Euroins? 
  • We insure all possible risks in one policy
  • We cover property damage as well as loss of profit

What is this insurance?


Insure your property used for production, commercial and administrative activities against all risks that are not excluded according to the General Terms and Conditions

Защо да изберете Евроинс за застраховка "Всички рискове, свързани с имуществото на търговеца" при корпоративни клиенти?”


  • Всичко в една полица: Спестявате време и административна тежест, като обединявате всички възможни имуществени рискове за Вашата компания в един всеобхватен договор;
  • Защита на приходите: Даваме Ви възможност да покриете не само физическите щети, но и пропуснатите ползи от прекъсване на работния процес;
  • Индивидуална оценка на риска;
  • Широк обхват на приложение; 
  • Адаптивни лимити.

What does the insurance cover?

 Basic coverage


Material losses or damages


  • Loss, destruction or damage to the insured property is covered.



Additional coverage


For better coverage extend your insurance with one or more additional risks. 

Each additional cover is selected only in combination with the main one.

Indirect losses - business interruption


 Loss of gross profit due to business interruption as a result of a covered risk.

Machinery breakdown


Any sudden and unforeseen loss or damage to machinery.

Additional insurance - See more.

Where does the insurance apply?

 At the address of the insured property on the territory of the Republic of Bulgaria.

Insurance conditions 

What is the duration of the Insurance cover?

For a period of one year. 

What is the sum insured?

 It is determined based on the actual or replacement value of the property.

Necessary documents for taking out insurance:

  • Questionnaire
  • Inventory of the insured property (if one has been drawn up)
  • Other documents – additional documents requested in connection with the issuance of a policy or an addendum to it

Documents

Frequently asked questions

What is the difference between the “All risks” insurance and separate corporate insurance policies?

With separate property insurance policies, the coverage applies only to the risks that you have explicitly selected and agreed upon in the policy.

The “All risks” insurance is much more comprehensive because it reverses this logic – it combines multiple types of coverage into a single contract and automatically covers any sudden and unforeseen material damage, as long as it is not included in the list of exclusions under the General Terms and Conditions. This provides the trader with maximum peace of mind, without the need to manage multiple different policies.

Where can I take out the “All risks related to the trader’s property” insurance for corporate clients?

You can take out this insurance at any office of “Euroins” AD across the country, as well as through insurance brokers and intermediaries who are partners of the company.

When does the insurance contract under this policy take effect?

The insurance contract for the “All risks related to the trader’s property” insurance takes effect from the date specified in the policy, provided that the insurance premium or the first installment has been paid, if installment payment has been agreed.

What should I do in the event of an insurance claim under the “All risks related to the trader’s property” insurance?

In the event of an incident, you are obliged to take all possible measures immediately to limit the damage. It is mandatory to notify the competent state authorities (Fire Department, Police) depending on the nature of the event. After that, you must submit a written notification to Euroins, in accordance with the deadlines specified in the General Terms and Conditions. The claim notification can be submitted quickly and conveniently, entirely online via our website.

What does the “All risks related to the trader’s property” insurance NOT cover for corporate clients?

Despite its comprehensive nature, the policy contains standard general exclusions typical for the insurance market. It does not cover damages arising from: normal wear and tear and depreciation, hidden manufacturing defects, shortages due to unexplained causes (identified during inventory checks), as well as events such as war, nuclear incidents, and cyberattacks. All exclusions are described in detail and transparently set out in the General Terms and Conditions of your contract.

Can leased property or third-party goods be insured under the “All risks related to the trader’s property” insurance?

Yes, the policy offers exceptional flexibility. It can cover not only property owned by your company, but also property for which you are responsible (for example, leased business premises, goods on consignment, or temporarily stored third-party property). It is important that these circumstances and the interests of third parties (landlords, goods owners) are explicitly declared when concluding the insurance contract.

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