Fire Insurance Policy:

It covers the material damage that results from the total loss or subsequent damage to the insured items mentioned in the policy or its attachments, located within the insured property, due to fire, lightning, explosion, gas explosion, or spontaneous combustion.

Robbery Insurance Policy:

This policycovers incidents of theft or attempted theft that occur by forcibly breaking into or penetrating the insured premises, whether through breaking doors, drilling walls, ceilings, or floors to gain entry or exit, or incidents that occur through coercion, involving the use of weapons or violence against the insured or any of their employees, during the policy period.

Fire, Additional Perils, and Robbery Insurance Policy:

Delta Insurance Company has designed a program to protect the properties of businesses, institutions, and individuals. This program includes various insurance coverages that compensate the insured (the client) for the financial losses and damages resulting from any of the insurance coverages specified in this document. The coverages include:

Covers the material damage resulting from the loss or subsequent damage to insured items described in the policy or its annexes, located within the insured premises. This coverage is applicable in the event of a fire, lightning strike, explosion, gas explosion, or spontaneous combustion.

Covers the material damage resulting from the loss or subsequent damage to insured items described in the policy or its annexes, located within the insured premises. This coverage is applicable in the event of a fire, lightning strike, explosion, gas explosion, or spontaneous combustion.

• Fire Insurance:

  Covers the material damage resulting from the loss or subsequent damage to insured items described in the policy or its annexes, located within the insured premises. This coverage is applicable in the event of a fire, lightning strike, explosion, gas explosion, or spontaneous combustion.

• Explosion:

  Covers the material losses incurred to the insured properties resulting from the risk of explosion within the insured premises, arising from:

  • Mechanical explosion of boilers, steam engines, pressure vessels, internal combustion engines, and other similar machinery and installations.
  • Chemical explosion.
  • Dust explosion.
  • Steam explosion.
  • Gas explosion.

• Riots, civil disturbances, and labor strikes.
• Earthquake, storms, floods, or torrential rains.
• Aircraft collisions or falling objects from aircraft.
• Vehicles colliding with the insured properties.
• Water leakage from any overhead tank, burst of fresh water pipes, burst of pipes in automatic sprinkler systems, and leakage from their heads.

• Burglary:

Comprehensive insurance policy (for commercial and industrial establishments, hotels and tourist facilities):

This policy is a combination policy that includes various insurance coverages, such as fire, additional perils, burglary, breach of trust, theft, broken glass, machinery breakdown, inventory deterioration, as well as liabilities arising from the activities of the insured property. It also covers loss of profits resulting from business interruption due to a covered fire or machinery breakdown event.

All-Risks Insurance Policy:

This policy provides broader insurance coverage than standard fire, additional perils, and burglary insurance. It offers comprehensive and integrated coverage for industrial units, commercial properties, etc., against all risks except those specifically excluded in the policy.

Furthermore, additional coverage can be added to meet all your needs, including machinery breakdown, stock deterioration, loss of revenue/profit, loss of rent, civilliability to third parties, including liability towards tenants or liability of tenants towards property owners.

Additionally, extensions to the coverage can be included, such as debris removal expenses resulting from losses or damages to the insured property, firefighting expenses, fees for engineering and legal consultations, and expenses related to surveyors, investigators, architects, among others, as examples, but not limited to those.

Political Violence Insurance Policy:

Delta Insurance Company has developed a program to protect the properties of companies, institutions, and individuals. This program includes various insurance coverages through which the insured (the client) is compensated for material losses and damages resulting from the realization of any of the insurance coverages listed in this document. These coverages are as follows:

• Material losses and damages resulting from acts of terrorism.
• Material losses and damages resulting from acts of sabotage.
• Material losses and damages resulting from riots, civil commotions, and labor strikes.
• .Material losses and damages resulting from deliberate acts.
• Material losses and damages resulting from armed rebellion and/or revolution.
• Material losses and damages resulting from mutiny and military coup.
• Material losses and damages resulting from war and/or civil war.

In addition to these coverages, it is possible to add coverage for loss of profits resulting from these covers.