In our office we collaborate with the most reliable insurance companies in the Greek and international market, in order to offer our clients comprehensive home insurance solutions. We analyze the needs of each owner and propose programs that combine economy, flexibility and a high level of coverage.

1. Main residence insurance

The main residence needs full protection, as it is the place of permanent residence and contains most of the personal belongings.

Indicative coverages:

• Fire, explosion, lightning.
• Damage from earthquake or natural phenomena (flood, storm, hail).
• Glass breakage.
• Theft or burglary.
• Damage from leaking pipes or electrical installation damage.
• Third party liability (e.g. water leak in an adjacent apartment).

2. Holiday home insurance

The holiday home, because it remains empty for a large part of the year, is more exposed to risks such as theft, vandalism or damage from weather phenomena.

Indicative coverages:

• All basic coverages of the main residence.
• Enhanced protection against theft or vandalism.
• Coverage of damage from prolonged disuse (e.g. humidity).

3. Short-term rental home insurance (Airbnb, Booking, etc.)

Renting a home on short-term rental platforms creates new protection needs. In addition to classic damages, there is an increased risk of damage or accidents caused by tenants.

Indicative coverages:

• Basic coverages (fire, earthquake, flood).
• Theft or damage caused by tenants.
• Third party liability (injury to a guest inside the premises).
• Protection of loss of rent due to damage.

4. Insurance of common areas of an apartment building

Common areas, such as stairwells, storage rooms, elevators, porters and underground garages, constitute an important part of a building and are often exposed to damage. Their insurance offers security to all tenants.

Indicative coverages:

• Fire, earthquake and natural phenomena.
• Damage to elevator and electromechanical equipment.
• Damage from leaks or floods.
• Civil liability of common areas (e.g. injury to a visitor in the stairwell).

Factors that affect the cost

• The location of the property (urban or coastal area).
• The use of the property (residential, holiday home, tourist rental).
• The age and construction materials.
• The amount of the insured capital (building, contents, or both) two).

What is needed for insurance

• Property details (title, E9 or purchase contract).
• Owner's identity details and VAT number.
• Property description (square meters, floor, year of construction).
• Recording desired coverages.

Useful notes

• Home insurance is offered at an affordable cost, especially when basic coverages are selected.
• It can be combined with other insurances (e.g. vehicle, life) for even more advantageous prices.
• In our office we offer personalized proposals, so that each client can enjoy the insurance that suits them without unnecessary expenses.

We cooperate with the most reliable insurance companies in the Greek and international market and, after carefully examining the specificities and needs of each business, we provide personalized and advantageous solutions that meet its real requirements.

What does business insurance cover

Coverage can be adjusted depending on the type and size of the activity, and includes:

Basic coverages

• Fire, explosion and natural phenomena (earthquake, flood, storm, snow, hail).
• Theft and burglary of goods, equipment or cash.
• Water damage due to pipe damage or leakage.
• Electrical installation damage and short circuits.

Optional / specialized coverages

• Third-party liability for accidents to customers, associates or visitors.
• Employer's liability for work-related accidents to staff.
• Loss of income in the event of a shutdown due to a covered risk.
• Coverage of high-value equipment (machinery, refrigerators, computer systems).
• Insurance of goods during transportation.
• Coverage for glass breakage, signs and shop windows.
• Protection against electronic threats (cyberinsurance) for businesses that operate digitally.

Factors that affect costs

A business's insurance premium is based on:

• The type of activity (e.g. office, restaurant, factory).
• The location (urban area, industrial zone, shopping center).
• The value of the building, equipment and merchandise.
• The security measures it has (alarm, cameras, fire extinguishing systems).
• The history of losses (claims history).

What is needed for business insurance

To draw up an insurance policy, the following are required:

• Business and owner details (tax ID, ID card).
• Description of activity and operating space.
• Plan or detailed description of facilities (if it is a large space).
• Estimation of the value of the building, equipment and merchandise.
• Photographic material (in some cases).

Useful observations

• A business with adequate insurance has a competitive advantage, as it offers greater security to customers and partners.
• Personalization of the insurance policy is crucial; different businesses have completely different needs.
• In cases of collaborations or financing, many times the existence of insurance is a necessary condition.

With our own experience and guidance, we undertake to study the real needs of your business and propose comprehensive insurance packages, so that you can operate with confidence, security and without unforeseen financial burdens.

We cooperate with the most reliable insurance companies in the Greek and international market and, after studying the size and specific needs of each accommodation (hotel, boutique hotel, guesthouse, villas, rooms for rent), we propose personalized insurance programs that offer full protection and at the same time remain beneficial for the owner.

Hotel insurance coverage

Basic coverages

• Fire, explosion and natural phenomena (earthquake, flood, storm, snow, hail).
• Water damage (pipe leaks, floods).
• Theft or burglary of equipment, furniture and machinery.
• Breakage of glass and signs.

Specialized coverages for hotels

• Customer liability: coverage in the event of accident, injury or damage to personal belongings of guests.
• Employer's liability for work-related accidents of staff.
• Coverage of high-value equipment (kitchen appliances, washing machines, refrigerators, heating/air conditioning systems).
• Loss of income in the event of a shutdown due to a covered risk.
• Swimming pool, spa and sports facilities.
• Insurance of outdoor spaces (gardens, parking, event spaces).
• Coverage against food poisoning or other incidents related to feeding customers.
• Coverage against cyber attacks (cyber insurance) to protect reservations, customer data and online payments.

Factors affecting the cost

The amount of the premium is calculated based on:

• The category and capacity of the hotel (e.g. boutique hotel, large resort).
• The location (seaside, mountain, urban).
• The services provided (swimming pool, spa, restaurant, conference spaces).
• The value of the building, equipment and furnishings.
• The number of visitors and employees.
• The security measures it has (alarm, cameras, fire safety systems).

Useful observations

• Hotel insurance is a significant advantage over the competition, as it strengthens the credibility of the business towards partners, tour operators and guests.
• Many times, international partnerships or booking platforms ask accommodations to have adequate insurance.
• Specialized insurance protects against incidents that may damage the image and reputation of a hotel.

With the right insurance coverage, the hotelier can focus on the hospitality and experience of his customers, knowing that he has secured the business, his staff and his guests against every possibility.