Money and Valuables Insurance
Specialized coverage for cash, valuables, and securities against burglary and robbery, both at the company's premises and during transit.
The security of your cash, in the safe and in transit
Handling cash and valuables always carries an increased risk of criminal activity. Standard property insurance often doesn't suffice for these specific risks. Therefore, we propose a solution that precisely defines payout limits based on the quality of your safes and security measures. We cover not only funds stored in cash registers but also risks associated with transporting money to the bank or business partners, thereby ensuring the continuity of your cash flow even in the event of a robbery.
Security rules and payout limits
Security Requirements (Safes)
The security class of your safes is fundamental to determining your insurance terms. The higher the quality of your certified safe, the higher the coverage limit the insurer will provide. We will audit your current equipment and recommend optimal settings to ensure you are neither underinsured nor unnecessarily paying for premium security you don't need.
Cash Transit Procedures
The insurance covers cash transit by a "messenger" – i.e., your employee. Here are the key limits that determine the amount above which transit must be carried out by two people, an armed escort, or a professional security agency. By correctly setting these rules, you can prevent a reduction in payout in the event of a street robbery.
Geographical Coverage and Specifics
We typically cover incidents within the Czech Republic, but extended territorial validity can be arranged for companies with an international reach. Another important aspect is the definition of the "place of insurance" – whether it refers to a specific room, building, or the route between your premises and the bank.
Examples of Real-Life Incidents This Insurance Covers
Robbery on the Way to the Bank
An accountant was carrying daily takings to a night deposit safe and was robbed on the street. The insurer will cover the stolen amount, provided the cash transit rules were followed.
Safe Burglary
Perpetrators bypassed the alarm and the safe in the director's office during the night. Thanks to the safe's certification matching the stored amount, the insurer will cover the full damage.
Theft of Valuables from a Drawer
A thief broke into the office and stole a package of meal vouchers and highway vignettes. Since they were locked in security furniture, the insurance covers them.
Robbery in a Store
An armed perpetrator forced the cashier to hand over the contents of the till during opening hours. Robbery insurance covers the cash handed over and the employee's psychological trauma.
How Eurovalley can help you
The Art of Protecting Art: How to Properly Insure Works of Art
Paintings, sculptures, antiques, as well as modern installations or collector's editions – art can hold immeasurable financial, historical, and emotional value. And just like any other valuable asset, artworks deserve adequate protection.
Let's Talk About Valuables Insurance
Handling cash and valuables always carries an increased risk of criminal activity. Standard property insurance often doesn't suffice for these specific risks. Therefore, we propose a solution that precisely defines payout limits based on the quality of your safes and security measures. We cover not only funds stored in cash registers but also risks associated with transporting money to the bank or business partners, thereby ensuring the continuity of your cash flow even in the event of a robbery.
