Buildings insurance

We provide insurance coverage and indemnify owners and operators of commercial structures and buildings against a range of risks, including natural disasters, fires and other unforeseen events. INGO's insurance solutions allow businesses to avoid significant financial losses and maintain business stability
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Buildings insurance

What losses are indemnified

Fire risks
Damage to buildings due to fire, lightning, gas explosion, etc.
Natural disasters
Damage caused by an earthquake, hurricane, flood, etc.
Transportation risks
Damage caused by the fall of manned aircraft, collision with vehicles, etc.
Unlawful acts
Damage to buildings as a result of unlawful intentional actions of third parties
The impact of water
Damage caused by liquid leakage from water supply, sewerage, heating and fire extinguishing systems, etc.
«Against all risks»
Coverage on «all risks» basis covers all cases of damage or destruction of property, except for those specifically stipulated in the insurance contract
Additional risk coverage
Additional risk coverage

If you wish, additionally protect your property from the following risks:

  • strikes, civil unrest
  • terrorism (terrorist acts)
  • expenses for fire extinguishing
  • expenses for specialists and for preventing or reducing the amount of damage


Additional coverage is provided within sublimits and increases the insurance rate.

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Benefits of insurance in INGO

Experience and broad capabilities
Almost 30 years of experience in property insurance. Insurance on all-risk basis or against named perils, using our own expertise and international experience
Reliable insurance coverage
Availability of automatic reinsurance protection from international reinsurers with a reliability rating of at least A- (A.M.Best) / A+ (S&P)
Control of risk management
Reducing the likelihood of losses with the help of recommendations from the Engineering Center
How INGO Engineering Center works

How INGO Engineering Center works

Compliance with the recommendations provided by the Engineering Center based on the survey helps to reduce the risk of losses.

The center's specialists will help you to

  • assess the risk
  • classify it
  • analyze the risk and protection
  • prepare proposals to reduce the degree of risk at your enterprise
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INGO's level of financial stability
outlook - «Evolving»
Frequently asked questions
In this section, we have collected the most frequently asked questions from our clients. If you do not find the information you are interested in, please use the feedback form.
Frequently asked questions

Who can be an insured?

An enterprise, institution, organization or other legal entity that enters into an insurance contract for property owned, rented, leased, pledged, etc.

How is the sum insured determined?

The sum insured shall be set by agreement of the parties in an amount not exceeding the actual value of the insured property.

What types of insurance coverage do you offer?

The available products allow us to tailor an insurance solution to the client's needs or existing insurance budget.

There are two main types of insurance coverage: all-risk and named perils.

  • Coverage on «all risks» basis covers all events of damage or destruction of property, except for exclusions specifically stipulated in the insurance contract.
  • On the contrary, coverage on the basis of «named perils» covers events that are explicitly provided for in the insurance contract.

What exactly does all-risk insurance coverage include?

This is the broadest of all possible types of property insurance. It provides additional protection against unforeseen situations that have not yet occurred, the existence of which the insured was not aware of and, accordingly, which could not be reflected in the insurance contract in advance. In other words, the insurance contract covers all risks of damage or destruction of property that are not excluded by the contract.

Examples: falls, collisions with equipment, lifting mechanisms, other objects, accidental damage from a neighboring building, rain (which cannot be considered a downpour according to the amount of precipitation), activation of a powder fire extinguishing system, collapse of buildings, roofs, etc.

What additional risk coverage is available?

The following extensions are most commonly used:

  • Extension of coverage to newly acquired/improved property.
  • Possibility to restore the sum insured after payment of the insurance indemnity (subject to additional proportional premium).
  • Strikes, civil unrest.
  • Terrorism (acts of terrorism).
  • Additional coverage for territory clearing costs.
  • Additional coverage of fire extinguishing costs.
  • Additional coverage of expenses for specialists and rescue (temporary relocation of property).
  • Possibility of property insurance on the basis of «replacement cost».

It is important to remember that additional coverage is provided by separate agreement and leads to an increase in the insurance rate.

Is it possible to insure a pledged item in a bank?

If the property is pledged to a bank, it can be insured by naming the beneficiary (the bank) in the insurance contract. Banks usually introduce a procedure for accrediting (admitting) insurance companies to insure pledged property. Insurance contracts are agreed with banks and contain their requirements for insurance coverage.

For information on INGO's accreditation, please contact the company's specialists using the feedback form..

What is the INGO Engineering Center?

INGO offers support in risk management through its own Engineering Center. The center's specialists analyze and classify existing and potential risks, and then provide suggestions for improving the company's protection. This is an effective way to minimize the occurrence of losses.

Algorithm of the Engineering Center's actions:

  • Initial analysis of documentation
  • On-site assessment
  • Final report
  • Providing suggestions for risk reduction
Additionally, we offer
Movable property and inventory insurance
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Construction and erection all risks
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Insurance of construction machinery and equipment
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Trade credit insurance
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