Real estate insurance | Finland

A comprehensive property insurance

The real estate insurance applies to water damage, burglary damage, natural damage, and fire damage, as well as other damages that may affect the property.

Our real estate insurance provides you with comprehensive protection against various types of damages that can affect your warehouse, office, workshop, factory, residential building, or other types of properties.

The insurance includes protection for e.g. damage to heating and ventilation systems and clearing costs in connection with major damage. The insurance also pays costs for damage that has occurred around buildings belonging to the insured property or machine damage to, for example, the lift in buildings. Most commonly, the building is insured either for the agreed amount of insurance or for full value based on the total area. Each building and business premises are insured separately, taking into account its features and the need for insurance cover.

Housing association company's real estate insurance

Residential buildings, such as housing associations, can be insured separately with a real estate insurance fit for residential buildings. Contact us to hear more.

Real estate insurance	Included
The insurance offers a wide range of protection against several damage events that can affect your property, such as damage that can occur in the event of a fire, storm, flood, water leak, burglary, robbery, or vandalism.	Included
With real estate insurance, you protect your building against leakages or damages in plumbing technology that cause a leakage in your building.	Included
The insurance includes machine insurance that covers damage to any machine in the building, such as lifts, ventilation, and heating. If you own other machines or equipment in the building, we can also insure them against damage caused by, for example, fire, water damage, burglary or vandalism.	Included
The building insurance is also valid for those on the plot existing pipes and cables serving the operation of the building and in the yard, the fences, gate, flagpoles, waste bins and fences, and yard lighting and car heating sockets. Also windows and glass doors can be insured.	Included

Additions to real estate insurance	Additional coverages
Cleaning of soil due to property damage	Included
Restoration costs in cases where industrial methods are inadequate. Therefore, it is wise to buy additional insurance to get reimbursement for the additional costs incurred to restore the artistic or cultural embellishments.	Included

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Thermal imaging in company's premises

Increased fire prevention with thermal imaging

Did you know that as our customer you have the opportunity to get our damage control team to check your company's premises for electrical fire risks? The thermal photography standard developed by If reveals thousands of hidden fire risks every year. These inspections have already prevented fires and is an essential part of our risk managment.

Every third company fire originates from a faulty electrical appliance or due to its incorrect use. Based on the inspections we have carried out, the electrical fire risks of almost every company could be reduced.

Good to know about real estate insurance

Theft insurance is included

Theft insurance for machines and equipment available at your place of insurance is included. No additional insurance is needed and there is no risk that you will be without compensation. However, the compensation is limited.

Compensation in the event of weather-related damage

No limit on compensation for weather-related natural damage such as storms, hail, snow load, or flood.

Additional coverages

Accidents for employees

The insurance covers costs for medical care, hospital care, dental care, and travel in the event of an accidental injury and provides compensation in the event of disability, if a person employed by the company or association is injured in the event of an accident.

Assault protection

The insurance is a complement to accidents for the board and members during unpaid work. It can also be chosen as a complement to accidents for the employees. If someone uses violence or threats of violence and injures one of the insured board members, members, or employees, the insurance can pay damages for personal injury if the perpetrator is unknown or unable to pay.

Burn injuries and sickness

The insurance is a supplement to accidents for the company's or association's employees and provides compensation if the accident has resulted in sick leave of at least 25% for more than 30 days.

Crisis therapy

The insurance reimburses costs for crisis treatment if one of the company's or association's employees suffers a serious traumatic event at work. The insurance can be extended to complete accident insurance. The insurance applies without a deductible.

Health insurance

Being long-term ill is stressful for the affected. Especially if the care for the sick does not work as quickly and well as you would like. The company or association also receives costs for sick pay and fees for substitutes. With health insurance, sick leave can be reduced by giving employees quick access to high-quality private care.

Data crime insurance

The insurance gives you access to expert help that investigates what happened and restores systems and information that has been destroyed. We help you get started with the business as fast as possible in the event of an interruption and reimburse the costs incurred. We also reimburse costs that arise for monitoring that your customers' identities or credit card information are not stolen.