What is Modular Corporate Insurance?

We stand by our corporate customers in all insurance business lines with a wide range of products and services designed to protect themselves against risks.

Our solutions are designed to meet your specific needs. We contribute to the development of our corporate customers with our comprehensive and corporate business insurance solutions tailored to the risks and opportunities in their fields of activity. Our experience spans activities from manufacturing to transportation, service to energy sectors and knowledge-based industries, including emerging digital businesses.

We stand by our customers with our expertise to secure their complex risks with the simplest, most understandable and solution-oriented methods. We are happy to convey the excitement of building the future by closely following the developing world to our policyholders.

Why Vuslat?

ALLIANZ ASSURANCE WITH ITS GLOBAL PRESENCE AND FINANCIAL STRENGTH

We rely on our knowledge and experience, global presence and financial strength of 126 million retail and corporate customers in more than 70 countries.

SPECIAL SOLUTIONS FOR YOUR BUSINESS NEEDS

We are always with you with products specially prepared for the risks and opportunities in the fields of activity of our corporate customers.

Modular Corporate Insurance Module Options

Fire Module

Your movable and immovable assets in your business are secured with special guarantees within the scope of the Fire Module of the Allianz Modular Corporate Policy. In addition to the guarantees included in the fire module, you can cover the losses stated below with certain limits with the assistance services with a wide content in the “BASION - MEDIUM - COMPREHENSIVE” package options.

• Fire, lightning, explosion
• Earthquake and volcanic eruption
• Strike, lockout, turmoil, popular movements, malicious acts, terror
• Flood and inundation
• Collision of land, air and watercraft
• Internal water
• Smoke
• Full
• Storm
• Landslide
• Weight of profit
• Debris removal costs
• Theft
• Fire liability
• Loss in profit
• Loss Rent
• Business interruption
• Alternative workplace expenses
• Subscription insurance

In addition, the following losses that may occur in your business will be covered within certain limits, with extensive assistance services;

• Internal plumbing costs
• Damages in the internal electrical installation
• Locksmith service costs in case of key loss, forgetfulness or being locked in the workplace
• Breaking or cracking glass damage
• As a result of the illness of one of the employees, the costs of sending an emergency doctor or ambulance are covered.

Responsibility Module

Employer Responsibility

Due to the legal liability to fall on the employer as a result of work accidents that may occur in the workplace, the compensation claims above and beyond the benefits provided by the Social Insurance Institution will be demanded from the employer by the workers or their beneficiaries who are bound to the employer by a service contract and subject to the Social Insurance Law. is insured. In addition, if a lawsuit is filed regarding this insurance, court costs and attorney fees are covered.

Additionally, for the Employer Responsibility Module, you may have the opportunity to expand the coverage by incorporating the following risks into your policy in return for an additional premium.

• Occupational accidents that may occur while the workers are brought to and from the place of work in a vehicle provided by the employer
• Occupational accidents that occur when the workers are sent to another place by the employer on duty, without performing their main job
• Occupational accidents occurring outside the borders of the Republic of Turkey
• Compensation claims as a result of occupational diseases
• Demands for moral damages

Third Party Liability

As a result of an event that may occur during the activities of the insured during the insurance period; Indemnity claims to be claimed from the insured as a result of the death, injury, deterioration of health of third parties and material damages that may occur to the goods belonging to third parties are covered.

• Demands for moral damages
• Food poisoning
• Inadvertent construction works
• Subcontractor and subcontractor, contractor and subcontractor
• Elevator accidents

Hotel Liability

In terms of the services offered by the insured who operate in accommodation activities such as hotels, hotels; It covers the death, injury, deterioration of health of third parties and damages to third parties' property in accordance with the General Conditions of Financial Liability Insurance Against Third Parties and Allianz Insurance Special Conditions.

Main risks covered by the Hotel Liability Module:

• Parking responsibility and valet parking
• Laundry liability
• cloakroom responsibility
• Dry cleaning responsibility
• Child care
• Sports events
• Food poisoning
• Demands for moral damages
• Elevator accidents
• Organizations at the hotel
• Incorrect medical intervention

Workshop Liability

As for the services provided by the insured who is engaged in vehicle repair, maintenance and repair activities; For the purpose of preservation and repair, it covers the financial liabilities that may occur to the insured as a result of damages that may occur both in motion and at a stop at the risk address specified for the motor land vehicle.

• Test drive
• The vehicle falls off the lift

Parking Liability

As for the services provided by the insured operating in the parking lot;

3. It guarantees the legal liability of the insured against the financial responsibilities that may occur as a result of the collision of a fixed or moving object, or the collision with such an object, during the activities of the persons parking their vehicles at the risk address.

In addition, for the Parking Liability Module, you will have the opportunity to expand the coverage by including the following risks in your policy against an additional premium.

Valet Parking Service

Lift Liability

The legal responsibility of the insured due to the damages that may occur to third parties as a result of accidents that may occur in relation to the elevator or elevators at the address of the insured are included in the coverage within the framework of the General Conditions of Elevator Liability Insurance.

Machine Failure Module

Within the scope of this module, the damages that may occur due to all kinds of sudden and unexpected reasons during normal operation of your machines, whose test and trial period has been completed, are covered under the general and special conditions of machine breakage.

Major risks covered by the Machine Breakdown Module:

• Operational accidents
• Defective manufacturing and workmanship
• Lubrication defects
• Direct or indirect damage from electrical energy
• Indirect effects of short-circuit, smoke and atmospheric electricity
• Clogging, foreign matter ingress
• Disintegration as a result of centrifugal force
• Lack of water in steam boilers
• Water hammering caused by sudden overheating and cooling
• Inward collapse and deformations caused by low pressure in closed containers
• Storms and frosts
• Damages caused by negligence, carelessness, misuse and sabotage
• Provides damages arising from other non-exempt circumstances.

The scope of Machine Breakage Insurance is not limited to the conditions listed above. You can contact your sales channel to learn about the advantages offered within the framework of additional coverage.

Electronic Device Module

With the Electronic Device Module, sudden and unexpected damages that the devices in your business may suffer during normal operation after the trial period are covered within the scope of electronic device general conditions and policy special conditions.

Main risks covered by Electronic Device Module:

• Damages caused by negligence, carelessness, misuse and sabotage
• Theft or attempted theft
• Faulty design and material
• From the effects of short circuit, high voltage and eddy current
• Fire, lightning, explosion
• Scorching, blackening, smoke and soot
• Natural disasters such as storms, floods, landslides, landslides, except earthquakes
• From the effects of water and humidity and corrosion damage caused by them
• Provides damages arising from other non-exempt circumstances.

Electronic Device Insurance coverage is not limited to the conditions listed above. You can contact your sales channel to learn about the advantages offered within the framework of additional coverage.

Other Devices Module

Security Abuse

Without prejudice to the security fraud insurance and the Theft Insurance General Conditions and policy specific conditions, the money and valuable papers belonging to your company or your customers, if it can be proven, or the goods that can be measured in money, by intentionally or maliciously abusing, embezzlement and fraud. In case of abusing the trust placed in them by actions such as owning them, the material damage to be incurred by the policyholder is secured.

Money carried

Reserving the General Conditions of Theft Insurance and special policy conditions, the money and assets carried by your payroll employees are provided with the limit specified in the policy against the following situations.

In order to give this guarantee;

• Theft and theft by third parties by threat of a weapon or using force,
• Losses and thefts as a result of the accident or burning of the vehicle during transportation by any vehicle,
• Losses that may occur as a result of other reasons during transportation
• It is essential that the transportation starts and ends without any interruption on the route.
• It is essential that all transports are carried out by the personnel of the payroll company using a commercial taxi, company vehicle or a passenger vehicle with appropriate security measures.
• Transportation on foot over 500 meters is not covered.
• Transportation using public transport vehicles is not covered.
• Theft Insurance General Conditions A.1 .5. In cases where one of the acts specified in the article is not used, all kinds of qualified theft are not covered.
• Leaving the transported assets unprotected and unaccompanied for whatever reason is not guaranteed.
• Damages caused by the negligence of the insured and the personnel carrying the assets are not covered.

Glass Break

Damages that may occur as a result of the breakage of windows, showcases, door glasses and mirrors belonging to your business are included in the coverage without premium with a limit of 500 TL, within the scope of Turkish Glass Breakage Insurance General Conditions. The guarantee fee can be increased in line with your needs.