Property Insurance
Safeguard your most valuable business assets with Beyond Insurance Brokerage. Robust property insurance solutions to protect your buildings, equipment, and inventory from unforeseen events.
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Safeguard your most valuable business assets with Beyond Insurance Brokerage. Robust property insurance solutions to protect your buildings, equipment, and inventory from unforeseen events.
Cover your loss of income and ongoing operational costs if your business is forced to shut down due to a covered event like a fire or flood.
Secure the widest form of protection, covering any accidental physical loss or damage to your property unless it is specifically excluded in the policy.
Get essential coverage against fire, lightning, explosion, and other perils such as storms, floods, and impact damage.
Protect critical machinery and equipment from sudden physical damage, covering the cost of repairs or replacement.
Safeguard your assets against losses resulting from theft, burglary, or housebreaking, including damage to premises during such events.
Our team helps you accurately assess your property's value and risks, ensuring your coverage is adequate and your premiums are competitive.
Let our team at Beyond Insurance Brokerage know about your assets, and our specialists will source the best property insurance options from leading insurers in Egypt.
We provide offers from over 20 of Egypt’s top insurance companies, as we are trusted from the FRA.
Property All Risks is the most comprehensive type of property insurance. It covers any loss or damage from any cause that is not specifically excluded. This is broader than a “named perils” policy (like Fire & Allied Perils) which only covers risks that are explicitly listed.
BI insurance is crucial. If your property is damaged by a covered event (like a fire), it covers your lost gross profit and fixed operational costs (like salaries and rent) during the time your business is unable to operate. It helps ensure business continuity.
The Sum Insured should reflect the full replacement cost of the assets, not their book value or market value. For buildings, it’s the cost to rebuild. For machinery and contents, it’s the cost to replace them with new, equivalent items. Under-insuring can lead to claim penalties.
This means the policy will pay for the cost of replacing the damaged item with a brand new one. The alternative is “indemnity value,” which only pays the depreciated or “second-hand” value of the item. Reinstatement value basis is highly recommended for businesses.
These perils (earthquake, storm, tempest, flood) are typically offered as extensions to a standard Fire policy or are included under an All Risks policy. Given Egypt’s risk profile, it is vital to ensure these extensions are included in your coverage.
First, take immediate steps to mitigate further damage and ensure safety. Then, notify us as your insurance broker immediately. We will report the incident to the insurance company and guide you on the necessary documentation, such as photos, reports, and claim forms.
Yes, if you have declared their value. The sum insured for “Contents” or “Buildings” should include the value of all improvements, decorations, partitions, and fixtures that you have invested in at your premises.
Premiums are based on several factors: the type of construction of the building, the nature of your business operations (occupancy), the location, the total sum insured, the chosen deductible, and the quality of fire and safety protections you have in place.
The deductible is the first part of any claim that your company is responsible for paying. For example, if you have a deductible of EGP 50,000 and a claim for EGP 500,000, you pay the first 50,000 and the insurer pays the remaining 450,000. A higher deductible can help reduce the premium.
Yes. If your business operates from multiple locations (e.g., several branches, offices, or warehouses), we can arrange a policy that covers all specified locations, each with its own sum insured, providing centralized and easier management of your property risks.