Atypical risks, limits above the market average and cover obtained through negotiation.
Construction and assembly · 2026
Works, equipment and liability in a single programme
Three sections with separate deductibles, plus the maintenance period after start-up.
- Works
- 2,083,468 EUR
- Equipment
- 1,041,734 EUR
- Liability
- 1,091,734 EUR
- Period
- 18 months + 12 maintenance
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Fleet CASCO · 2026
55 vehicles under a single contract
Cover for the company fleet, including when an employee uses a vehicle privately.
- Sum insured
- 738,584 EUR
- Vehicles
- 55
- Period
- 12 months
- Premium payment
- 4 instalments
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General liability · 2025
Renewable energy: public and product liability under a single limit
Cover across the whole life cycle of the project, from design to decommissioning.
- Limit / event
- 1,000,000 EUR
- Annual aggregate
- 1,000,000 EUR
- Employer's sublimit
- included
- Deductible
- 5,000–50,000 EUR
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CARGO · 2023
Cargo from Moldova to the USA, with two transshipments
Road, sea and rail transport under a single policy, with all-risks cover for the whole journey.
- Sum insured
- 1,618,000 EUR
- In policy currency
- 1,837,600 USD
- Deductible
- 500 USD / partial loss
- Period
- 2 months, duration of transit
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Accidents · 2025
148 pupils covered anywhere in the world for the school year
The contract period follows the school year, not a 12-month calendar, and cover does not stop at the school gate.
- People covered
- 148
- Sum / person
- 3,474 EUR
- Sum insured
- 514,113 EUR
- Period
- school year, 9 months
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Voluntary health insurance · 2026
Two levels of cover in the same contract
The company offers different packages by employee category without taking out two separate policies.
- People covered
- 63
- Sum insured
- 114,137 EUR
- Basic level
- 1,786 EUR / person
- Upper level
- 1,985 EUR / person
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Voluntary health insurance · 2026
A health programme for employees and their families
Family members can be added to the same contract at a premium close to the employee's.
- Annual limit / person
- 3,325 EUR
- People covered
- 33
- Outpatient
- up to 1,687 EUR
- Inpatient and surgery
- up to 1,489 EUR
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Machinery and stock · 2026
Ten risk clauses on top of the basic cover
FLEXA plus flood, earthquake, landslide, burglary, vandalism and civil unrest.
- Sum insured
- 275,045 EUR
- Goods in stock
- 223,312 EUR
- Machinery and equipment
- 51,733 EUR
- Deductible
- 10% of the loss, min. 496 EUR
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Buildings and assets · 2026
A six-building property complex under a single policy
Six cadastral numbers covered by one contract instead of six separate policies.
- Sum insured
- 2,160,984 EUR
- Properties
- 6 cadastral numbers
- Deductible
- 10% of the sum insured
- Period
- 12 months
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Agriculture · 2024
Breeding pig herd, with emergency slaughter included
Cover does not stop at death: it also includes slaughter required by disease, which is the real risk for a breeding farm.
- Animals insured
- 174
- Sum insured
- 79,514 EUR
- Average value / animal
- 457 EUR
- Period
- 12 months
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General liability · 2026
5 mln GBP for an exhibition stand in London
The organiser required proof of liability cover before confirming the stand.
- Sum insured
- 5,000,000 GBP
- Period
- 2 days
- Territory
- ExCeL London
- Beneficiary
- third parties
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Agriculture · 2024
Loss of bee colonies through pesticide poisoning
Cover for plant-protection treatments applied in breach of the Beekeeping Law — a risk the local market rarely quotes.
- Bee colonies
- 90
- Sum insured
- 5,955 EUR
- Per colony
- 66 EUR
- Period
- 12 months
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Hazardous industrial facilities · 2019
A tower crane built in 1992, insured for 20 million lei
Old machinery sited in the city, with four risks covered: injury, death, property damage and environmental pollution caused by accidents.
- Sum insured
- 992,497 EUR
- Object
- tower crane, built in 1992
- Beneficiary
- injured third parties
- Period
- 12 months
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Directors and officers liability (D&O) · 2026
A local policy within an international programme, with no deductible
The Moldovan component of a group cover, with direct notification to the global insurer.
- Limit of liability
- 1,000,000 EUR
- Programme limit
- 15,000,000 EUR
- Deductible
- 0 EUR
- Period
- 12 months
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Customs guarantee · 2025
A financial guarantee to the Customs Service
An alternative to locking the amount in a bank deposit for the duration of temporary admission.
- Guaranteed amount
- 30,023 EUR
- Limit per case
- 30,023 EUR
- Deductible
- not applicable
- Period
- 12 months
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CMR — carrier's liability · 2026
Three risks covered and territory extended to Asia
Twice the limit most carriers take out.
- Limit of liability
- 200,000 EUR
- Per event
- 60,000 EUR
- Territory
- Europe, CIS and Asia
- Period
- 12 months
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Medical malpractice · 2026
Professional liability for a team of dentists
Includes legal costs, both the insured's and the claimant's.
- Aggregate limit
- 24,812 EUR
- Per claim / person
- 4,962 EUR
- Deductible
- 248 EUR / claim
- Period
- 12 months
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