A business package policy brings together the risks that can stop your trading in a single contract: building and fixtures, stock, cash on the premises, glass, machinery and the profit you lose while operations are halted.
Bursa's economy is built on industry, textiles, food and retail, and each sector has a different risk profile — fire and stock in a textile workshop, theft and food spoilage in a market, electronics and liability in an office. We build the policy around your line of business and what is actually on site, and compare insurers' quotes for you.
Sub-classes
What is covered?
- Fire, lightning, explosion, smoke
- Earthquake, flood and inundation
- Burglary and stock theft
- Internal water and storm damage
- Glass breakage and signage damage
- Cash in safe and in transit
- Business interruption and loss of profit
- Employer's and third-party liability
Optional add-on covers
- Machinery breakdown and electronic equipment
- Loss of rent and alternative premises costs
- Declaration-based cover for fluctuating stock values
- Neighbourhood liability
- Personal accident (for employees)
- Malicious acts and terrorism
What you should know
Where stock values change seasonally, declaration-based cover lets you pay premium on your average stock.
Safety measures such as fire extinguishers and detection systems can have a positive effect on the premium. If you rent, the owner usually insures the building while you insure fixtures and stock.
Declaring building, fixtures and stock below their real value can lead to proportionally reduced compensation at claim time because of under-insurance. For businesses with standard needs we also compare ready-made packages such as Quick Sigorta's Yedekleyen Business Insurance, which applies no under-insurance penalty, and its Prudent Merchant Business Insurance, which has higher limits for some liability covers.
Videos
Frequently asked questions
If a covered loss such as a fire halts trading, it pays your fixed costs and lost net profit for the indemnity period stated in the policy.
Employer's liability. Amounts reclaimed from the employer by the social security institution (SGK) and the employee's own compensation claims are paid within the policy limits.
Yes, we can combine them in a single policy with a per-address schedule, which makes administration and renewal easier.
The information on this page is for general guidance and does not replace policy wording. Scope of cover, limits, deductibles and exclusions are determined by the general and special conditions of the insurer you choose.