COMMERCIAL INSURANCE

Property Insurance

With our insurance, your company can receive compensation if property is damaged by incidents such as fire, water leakage, or burglary. At Dina Försäkringar, we offer coverages for a wide range of assets – including machinery, goods, and buildings. Machinery may include production equipment, computers, shelving in warehouses, and office supplies. This type of equipment is typically insured at its replacement value – that is, what it would cost to purchase new equipment of the same kind. As a business owner, it's your responsibility to make sure the insured amount accurately reflects the current replacement value of your machinery.

Business Interruption Insurance

If your company experiences property damage that leads to a temporary halt in operations, the financial impact can be significant. Business interruption insurance helps cover lost revenue caused by the disruption — typically for up to 12 months — giving you vital support while you get back on track.

Liability Insurance

Liability insurance helps your business if an incident occurs and someone makes a claim for damages, holding the company liable. The liability insurance investigates whether your company is responsible, represents you in court, and pays the damages your company may be liable for, after deductible. General liability insurance for personal injury and property damage is included in our business insurance package. The standard insurance amount is normally 10,000,000 SEK.

Legal Expenses Insurance

Legal disputes can be both stressful and expensive. Hiring legal representation often comes with high costs that add up quickly. With legal expenses insurance, you get the financial support you need to engage a legal representative. After the deductible, you can receive compensation for legal fees — up to five price base amounts per claim.

Optional Add-On Insurances

Depending on your type of business, you may need to supplement the basic coverage with one or more additional insurance options. Below are some common add-ons:

Construction Companies – Important To Meet Industry Agreement Requirements

If you run a construction, civil engineering, or installation company, it is important to have insurance that meets the requirements of the industry’s standard agreements. Our contractor's insurance is adapted to the requirements of all-risk insurance under AMA AF.

The contractor’s insurance covers unforeseen physical damage to or loss of insured property — known as all-risk insurance — within the work area in the Nordic region. It is adapted to the insurance requirements set out in standard agreements within the construction industry. If you work with detached house projects for consumers, you need extended protection for pure financial loss via the Contractor Liability add-on.

Retail Companies

The basic insurance includes protection against burglary, theft, fire, and water damage. It also includes liability coverage if a product you sell causes harm, and a claim is made against you. If you manage food, it is important to add refrigeration/freezer insurance and epidemic interruption insurance.

Consulting Businesses – Protection if You Make a Mistake During Advisory Services

Professional liability insurance protects you if your consulting services include advice or decisions that could lead to errors and cause financial loss to your client, for which you are liable. Business insurance should therefore be supplemented with financial loss liability insurance.

We offer liability insurance for advisory consultants, technical consultants, and IT consultants, and our policies are adapted to the standard agreements relevant to your profession. For example, if you are a technical consultant, our insurance meets the requirements of ABK.

Add-On Insurances – Applicable To All Industries

Machinery Insurance

This insurance can be taken out for building-related machines and other machinery. Compensation may be provided for sudden and unforeseen physical damage to the insured property.

As a complement to machinery insurance, you can add machinery breakdown insurance, which provides compensation for business interruptions due to damage to insured machines.

Business Travel or Service Travel Insurance

During business or service travel, the insurance can cover additional costs due to illness, accidents, or certain acute dental issues. It also provides compensation if luggage or other belongings are damaged or lost. You can also add trip cancellation insurance.

Fidelity Guarantee Insurance

Fidelity insurance is an add-on that provides protection if your company suffers financial loss due to employee fraud or if the company is subject to a cyberattack that causes loss or extra costs.

Cyber Insurance

This insurance provides technical support in cases such as cyberattacks and compensation for lost revenue if the business is interrupted due to a cyber-related incident.

Key Person Business Interruption Insurance

If a key employee falls ill or becomes injured, it can significantly impact company revenue. This add-on insurance can compensate for fixed costs and lost revenue caused by the absence of the key person.

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