Underwritten by Quick Sigorta 
Yedekleyen Business Insurance is Quick Sigorta's package policy for business premises. Its standout feature is that no under-insurance penalty applies: with conventional policies, if the sum insured is below the real value of your premises, the claim payment is reduced in the same proportion; this product makes no such proportional deduction. Payments remain limited to the sum insured and the limits in the policy.
Fire, earthquake, flood, landslide, strike-lockout-civil commotion, malicious acts and terrorism, as well as internal water, storm, smoke, hail, vehicle impact and snow load, are covered up to the sum insured for building and contents. Covers such as glass breakage, machinery breakdown, electronic equipment, safe, liability, personal accident and legal protection are included in the package with set limits. We check with you whether these limits are enough for the real risks of your business.
What is covered?
- Fire (building and contents, up to the sum insured)
- Earthquake, flood and landslide (up to the sum insured)
- Strike, lockout, civil commotion, malicious acts and terrorism
- Internal water, storm, smoke and hail
- Vehicle impact and snow load
- Glass breakage, machinery breakdown and electronic equipment (limited)
- Theft of fixed assets, fire and theft of the safe (limited)
- Third-party, employer's, neighbourhood and tenant-owner liabilities (limited)
- Personal accident and legal protection (limited)
Cover table
| Limited cover | Limit |
|---|---|
| Contents in the open | TRY 5,000 |
| Glass breakage | TRY 20,000 |
| Third-party liability | TRY 50,000 |
| Employer's liability | TRY 50,000 |
| Machinery breakdown | TRY 100,000 |
| Electronic equipment | TRY 100,000 |
| Theft of fixed assets | TRY 5,000 |
| Shelf / display cabinet collapse | TRY 5,000 |
| Debris removal | TRY 20,000 |
| Safe – fire | TRY 10,000 |
| Safe – theft | TRY 10,000 |
| Tenant's liability to owner | TRY 5,000 |
| Owner's liability to tenant | TRY 50,000 |
| Neighbourhood liability | TRY 50,000 |
| Personal accident | TRY 50,000 |
| Legal protection | TRY 50,000 |
Optional add-on covers
- Business Assistance service package (automatically included)
- Contents kept in the open and shelf/display cabinet collapse (limited)
- Debris removal costs (limited)
What you should know
Yedekleyen Business Insurance is a Quick Sigorta product, arranged through our agency. At the quotation stage we confirm with you whether the package suits your line of business and how the building and contents values should be set.
The limits in the table are based on information published by Quick Sigorta and may change; contact us for current amounts.
The absence of an under-insurance penalty is not a reason to declare low values: payments are always limited to the sum insured in the policy. If the liability limits in the package are too low for your business, we look at the Prudent Merchant Business Insurance with higher liability limits or a separate liability policy.
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Frequently asked questions
With conventional business policies, if the sum insured is below the real value, the claim payment is reduced in the same proportion; for example, if premises are insured for half their value, roughly half of a partial loss is paid. Yedekleyen Business Insurance applies no such proportional deduction; losses are paid up to the sum insured in the policy.
For building and contents: fire, earthquake, flood, landslide, strike-lockout-civil commotion, malicious acts and terrorism, plus internal water, storm, smoke, hail, vehicle impact and snow load. Other covers come with the limits shown in the table.
You can look at the Prudent Merchant Business Insurance with higher liability limits, or take out a separate policy for the cover you need. We lay the options out side by side for you.
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.