https://www.sugese.fi.cr/seccion-polizas-registradas/pólizas-vigentes

COVERAGE “A”:  casual fire or lighting: (casual fire or lighting, damages product of a collision of vehicles and airships falling, tree falling, debris removal expenses, etc.)

COVERAGE “B”: nature catastrophic risks (sinking, sliding, tremor or earthquake and the fire derived from it, volcanic eruption, seaquake and subterranean fire).

COVERAGE “C”: damages due to water and atmospheric risks (hurricane winds, hail; there is inclusion for damages produced by objects dragged or projected  by the wind or rain).

COVERAGE “Q”: Assistance in the Enterprise.

• Plumber
• Locksmith
• Electricity
• Coordination and repair of gas leaking
• Glass breakage
• Connection with any professional the Insured needs to consult.
• Extra-ordinary expenses due to safety services due to lack of protection of the commercial or industrial place.
• Custody of contents
• Moving or contents
• Urgent return————
• Telephone legal advisory
• Legal assistance in the enterprise
• Reference of lawyers
• Telephone medial orientation
• Transfer in ambulance in case of accident that occurred in the insured place
• Service of connection with the medical supplier website.
• Medication delivery
• Complementary assistance PC (personal computer)
• Transfer services
• Transmission of urgent messages
• Information 24/7

• Buildings in clear deterioration state and/or built in wood.
• Buildings in which activities different from the use declared in the inclusion application are developed.
• Buildings built in concrete with more than 50 years of age.
• Any building with constructing type named pre-manufactured which does not accomplish with the minimal requirements established in our judicial ordeal.
• Buildings which do not accomplish with any construction norm of our judicial ordeal such as: Código Eléctrico, Reglamentos de Construcciones, Código Sísmico de Costa Rica, among others, as well as any future norm.
• When the building and/or its contents is over the crown or at the foot of a scope, at a minor distance to the double of the highness of that scope, in relation with the nearest edge. If the scope is next to the bank of a river, lake or any other natural water deposit, the distance could not be less than 50 meters.
• The buildings or contents deposited in them, which are at a distance less than 50 meters from a river or any natural or artificial deposit which could represent a flood threaten.
• When the buildings or their contents which are deposited in them, which are placed in the proximities of the top of a scope, at a distance less than 50 meters of such top o foot of the scope.
• To buildings which at the moment of the underwriting, present fractures in walls, columns, floors, mezzanines, beams, fences or any other similar, as well as repels falling.
• Buildings from 0 and up to 3 floors.
• Items located or deposited in such buildings with the abovementioned characteristics.

•  The Insured, must present himself/herself to the Centro de Negocios de la Mutual, to notify.
• To hand a letter, asking for the granting of the fire insurance coverage, which he/she has related to the credit with the Mutual, and which covers damages in the house structure, indicating date of the accident, details of damages, telephone number, and electronic address.
• Photocopy by both sides of the Insured´s identification card.
• Photocopy of the house´s areas where the damages are clear to be verified.
• Provisional invoice of the materials and labor for the repair of the damages.

For all the benefits abovementioned, the Insurer Company could ask for any other additional requirements which it considers necessary for the claim analysis.