Insured – An unincorporated entrepreneur or a legal entity that is a party to the insurance contract, pays an insurance premium, and has an insurable interest in the insured object.

The following property may be insured:

• Buildings – industrial, administrative, social, cultural, public-use, etc.;

• Structures – towers, masts, units, and other production or technological installations;

• Engineering and industrial equipment – communications, systems, devices, electronic computing equipment, machine tools, transmission and power machines, other mechanisms and devices;

• Outbuildings – garages, storage rooms, warehouses, sheds, covered areas, fences, etc.;

• Separate premises – workshops, laboratories, classrooms, etc.;

• Unfinished construction objects;

• Inventory and technological equipment;

• Furnishings, furniture, décor;

• Inventory items – goods, raw materials.

Exclusions (unless specifically included in the insurance contract):

• Cash (national and foreign currency);

• Stocks, bonds, and other securities;

• Manuscripts, plans, drawings, accounting and business books;

• Models, patterns, samples, forms, etc.;

• Precious metals in bars and unmounted precious stones;

• Computer data carriers, including magnetic films, tapes, disks, memory blocks;

• Stamps, coins, banknotes, bonds, drawings, paintings, sculptures, collections, or works of art;

• Explosive substances (gasoline, diesel, oil, gas, etc.);

• Goods in storage or on commission;

• Vehicles – mobile, construction, agricultural, or other;

• Property located in insured premises but not belonging to the insured;

• Farm animals, perennial plants, and crops;

• Buildings, structures, or engineering systems in emergency condition, and property located within them;

• Property in zones threatened by landslides, floods, or other natural disasters, or in military zones from the moment of official announcement of such threat, if declared before the insurance contract;

• Other property withdrawn from circulation or limited in turnover.

Insurance of the above-listed items may be agreed upon by the parties and must be formalized with special amendments to the insurance contract (insurance certificate/policy).