Property insurance
An insurance coverage of company assets (apart from electronic equipment which should be insured under a separate policy, and apart from vehicles, insured under transportation policies) should be best developed on the basis of the All Risks standard.
The coverage then includes the events that have not been listed by the Insurer as exemptions. The insurer is responsible for the damage consisting in a sudden, unexpected loss, destruction or damage to the subject insured of insurance, if the damage results from the causes independent of the Insurer (except for those excluded in the general terms and conditions of insurance, including the damage consisting in machine failures). The application of the All Risk standard, with specification of limits for the risk of theft, allows to reduce the general cost of insurance.