Business multi-risk
Your business protected. Your takings too.
Fire, water damage, theft, broken glass, liability and loss of income: one contract for the shop, the office or the workshop.
- Compulsory cover included
- Quote online, sign at a branch
Compare the plans
Three plans. One question: what do you want to protect?
Every price is worked out by our engine for the same reference profile, taxes and fees included.
| Cover | EssentialThe building and your liability, the legal minimum included. | RecommendedComfortStock, shop window and till protected. | CompleteAnd if you have to close, your margin keeps coming in. |
|---|---|---|---|
| Natural disasters (CAT-NAT)Compulsory | Included | Included | Included |
| Fire and explosion | Included | Included | Included |
| Water damage | Included | Included | Included |
| Theft | Optional | Included | Included |
| Glass breakage | Optional | Included | Included |
| Business interruption | Not covered | Optional | Included |
| Public liability | Included | Included | Included |
| Yearly price incl. taxes | 27 514DZD | 44 407DZD | 56 288DZD |
| Choose Essential | Choose Comfort | Choose Complete |
Reference profile · Business: shop, 60 m², in Algiers; premises valued at DZD 8 000 000, stock DZD 3 000 000, yearly turnover DZD 12 000 000, 3 staff.
Made-up prices worked out by Hima’s demonstration engine: no real offer, nothing is charged.
Try it
Move your turnover, and the price follows.
Liability and loss of income are priced on your trade: drag the slider.
Who it is for
- Shops and boutiques
- Restaurants and cafés
- Offices and practices
- Workshops, pharmacies and warehouses
The cover
What each cover pays for, in plain words.
Natural disasters (CAT-NAT)
CompulsoryEarthquake, flood and storm damage to premises and stock. Required by law on business property.
- Excess
- 2% of the loss, at least DZD 50 000
Fire and explosion
Premises, fittings and goods, after a fire or an explosion.
- Excess
- DZD 20 000
Water damage
Leaks and burst pipes that damage your premises or stock.
- Excess
- DZD 10 000
Theft
Break-in theft of stock, equipment and the till.
- Excess
- 10% of the loss, at least DZD 25 000
Glass breakage
Shop window, illuminated sign and glazing.
- Excess
- DZD 5 000
Business interruption
Lost margin while you are closed after a covered event, for up to 12 months.
Public liability
Harm to customers and others in the course of your business.
- Limit
- DZD 20 000 000
What the law says
CAT-NAT applies to business premises too
Every commercial or industrial business must insure its property and premises against natural disasters. That cover is in every plan.
The rest is optional, but a landlord, a bank or a client may require liability or fire cover in the lease or the contract.
Loss of income is the cover small traders most often find out about too late: it replaces the margin lost while the business is closed after a claim.
A general summary: it replaces neither the law itself nor the terms of your contract.
Questions
Your questions, answered.
Is my stock covered at its selling price?
No, at its purchase price: what it would cost you to restock. The lost margin falls under loss of income.
How long is loss of income paid for?
Up to twelve months, while you reopen under normal conditions, based on the gross margin you declare.
I rent my premises: what should I insure?
Your contents — furniture, equipment, stock — and your liability to the landlord. The building itself is the landlord’s, unless the lease says otherwise.
Is theft covered at night?
Yes, after a break-in, provided the protections you declared — metal shutter, locks — are fitted and closed.
Can I insure several shops?
Yes, on one contract with an endorsement per site. Your business adviser prepares the quote.
Your quote
A quote for your business.
Your floor area, your values and your turnover: the price is worked out online, and an adviser finalises it with you.
Get my quote