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Our client is a company that owns five industrial warehouses located in a business park. These warehouses are rented out to different tenants who use them for logistics activities, storage, and small manufacturing processes. The company generates its income through the rents from these leases, making the protection of these assets a key pillar for the success of the business.
Despite having insurance coverage in place, the client identified that the policies were not sufficient to cover certain key risks, particularly those related to damage caused by third parties or loss of income due to incidents. Additionally, they needed a policy that provided greater peace of mind regarding civil liabilities arising from the use of the facilities.
After a thorough review of the existing policies and a detailed analysis of the actual risks, we designed an insurance program fully tailored to the client’s needs. This plan included a property damage policy that covered fires, explosions, natural disasters, and electrical damage, ensuring the repair of any structural damage without compromising the owner’s financial stability. We also included a specific liability insurance policy to protect against third-party claims for personal or material damage. Additionally, we incorporated a special clause for tenant damage, designed to cover any defects caused by the tenants, and a loss of rent coverage to compensate for the absence of income if one of the warehouses became unusable after an incident.
Thanks to this comprehensive solution, the client was able to handle two situations that would have had a significant financial impact under different circumstances. First, after a fire caused by an electrical fault in one of the warehouses, the insurance covered the full extent of the damage, and the loss of rent coverage ensured the monthly income for the three months the warehouse was out of use. Secondly, when one of the tenants caused structural damage due to the faulty installation of industrial equipment, the policy also responded, preventing legal disputes and additional costs for the owner. This planning not only protected the client’s assets and income but also strengthened their relationship with the tenants, who appreciated the commitment to safety and professionalism in property management.
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