Basic Insurance Policy for EIMA 2024 Event

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The basic insurance for the EIMA 2024 event is provided directly by the organizer and includes the following main coverages:

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Included Coverages:

All Risks Storage and Transport: Coverage up to €26,000 per exhibitor, against fire, theft, and damage during transportation.
Third-Party Liability Insurance (TPL): Coverage limit of €1,500,000, with coverage up to €500,000 for employers' liability (EL) for each exhibitor.

Summary of Coverages:

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A) All Risks Coverage – Storage:

This coverage protects the assets present in the exhibition stand, such as furnishings, setups, equipment, and goods, from all material and direct damages, fires, and thefts. Coverage also includes thefts during operational hours (i.e., during the exhibition), with a maximum of €500 per exhibitor and a deductible of €100 per claim.

Main Exclusions:

Cash, valuables, and precious items are not covered. Exclusions also apply for shortages discovered only during inventory checks, acts of terrorism, damage caused by faults, and damages during the assembly or disassembly of machinery or equipment.

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B) All Risks Coverage – Transport:

This coverage protects goods shipped to the fair from material and direct damage. The policy is effective from the moment the goods leave the exhibitor’s warehouse until they are delivered to the fair’s premises. Coverage remains valid for the return transport, provided the goods are adequately packed.

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C) Third-Party Liability (TPL/EL):

Third-Party Liability Insurance (TPL): Covers unintentional damage caused to third parties, such as personal injuries, death, or damage to property, resulting from an accidental event related to the exhibitor's activity. This coverage also includes damages resulting from malicious acts by third parties for which the exhibitor is liable.
Employers' Liability (EL): Covers injuries suffered by employees involved in the exhibitor’s activities, under both the DPR No. 1124/1965 and the Civil Code. Coverage is only valid if the exhibitor complies with mandatory legal insurance requirements.

Main Exclusions:

Damage caused by the operation of vehicles on public roads or equivalent areas, theft, fires, and damage to property that the exhibitor is responsible for safeguarding.

These coverages offer comprehensive protection for EIMA 2024 exhibitors, ensuring coverage for risks related to the management and transport of goods, as well as third-party liability security.

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SPECIFIC INFO FOR THEFT AND ROBBERY SECTOR:

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The insurance coverage for Theft and Robbery protects the insured assets, such as furnishings, setups, equipment, and goods present at the exhibition stand, against thefts and robberies. The policy covers direct and material damage caused by these events, with specific details:

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Covered Cases:

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1. Theft:

- The coverage is operative only if the theft is committed by breaking and entering. This means that the thief must enter the stand's premises by forcing locks, breaking walls, roofs, ceilings, or windows, or breaking locking systems.
- If the thief enters secretly, coverage is valid only if the theft is followed by an act of breaking and entering (e.g., breaking locks or walls) to steal the insured goods.

- If the thief uses tools or demonstrates exceptional agility to access over 4 meters from the ground, the policy still covers the theft, provided that a break-in occurred.

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2. Robbery:

- If it occurs within the stand's premises, even if the violence or threat is exerted on people taken from outside and forced to enter the premises.

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3. Damage caused by thieves:

- Damage to insured goods, premises, or fittings caused during the theft or robbery is covered, including damage to alarm systems.

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4. Vandalism:

- Damage caused by thieves in an attempt to commit theft or robbery is covered.

 

5. Socio-political and Atmospheric Events:

- The policy covers thefts or robberies that occur during strikes, riots, acts of terrorism, or in case of hurricanes, storms, etc.

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Excluded Cases:

1. Thefts caused by loss, shortages, skillful theft, or fraud.
2. Damage from fire, explosion, or blast caused by the thief or robber.
3. Damage related to war, riots, or nuclear radiation.
4. Indirect damage such as non-use of goods, lost profits, or other economic losses.
5. Damage to motor vehicles (except those on display) and animals.
6. Thefts caused by fraud or gross negligence by the policyholder, cohabiting persons, or those responsible for surveillance.
 

In summary, coverage is active when theft or robbery occurs with break-in, violence, or threat, offering protection against damage to insured goods and physical spaces. Damage caused by fraud, gross negligence, war events, riots, or thefts without break-ins or violence is excluded.

 

SPECIFIC INFO FOR SKILLFUL THEFT AND SHORTAGES SECTOR

(separately purchasable)

The supplementary coverage (not provided in the base policy) included in the guarantees for skillful theft and shortages is divided into two main types of insurable events: skillful theft and shortages. Below is a clear and simple explanation of what the insurance covers and what situations are excluded from coverage.

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Covered Cases by the Policy:

1. Skillful Theft:

• The policy covers material damage to insured goods (such as furniture, equipment, setups, and goods in the stand) in case of theft carried out with particular skill. This means that the thief was quick or able to evade the attention of the victim or others present.

• This may involve thefts where the thief stole items without the victim realizing, or even goods that were not directly on the person but in the vicinity.

• It is essential that the theft is reported to the police within 24 hours of its discovery, and in any case, no later than the end of the fair or the immediately following period.

 

1. Shortages:

   • The insurance also covers the disappearance of insured goods due to misappropriation by third parties. In this case, it refers to goods that are missing without obvious signs of theft but have been illicitly removed.

   • Again, the report must be made to the authorities within 24 hours of discovering the shortage.

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Exclusion Cases of the Supplementary Coverage:

The policy does not cover damages in the following cases:

• Fraud or gross negligence: If the theft or shortage was facilitated or caused intentionally by the policyholder, the insured, or cohabiting persons or those under their responsibility.

• Fires or explosions caused by the thief during the theft.

• Riots, wars, or uprisings: Damage caused by war events or civil unrest is not covered.

• Atomic radiation or other nuclear transmutation phenomena.

• Indirect damage: For example, profit losses or damages for the non-use of goods, which do not directly involve the material loss of insured items.

• Motor vehicles and animals: Vehicles (except those on display or for sale) and animals are not covered.

• Fraud: Damages resulting from fraud are not covered.

 

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Important Aspects

• The policy is stipulated on a “first absolute risk” basis, meaning that the indemnity will not be reduced based on the total value of the insured goods.

• A €100 deductible is applicable, which will be deducted from the indemnity amount for each claim.

• In summary, the insurance covers thefts carried out with skill and the disappearance of insured goods, provided these events are reported promptly. However, it does not cover damages caused by intentional behaviors or extraordinary events such as wars or riots.​

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FAQ: Basic Insurance Policy for EIMA 2024 Event

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Section: All Risks - Storage

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Q: Does the policy cover damage to items in the stand during the event?
A: Yes, the policy covers material and direct damage to items in the stand, such as furniture, equipment, and goods, against fire, theft, and other damaging events.

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Q: What happens in case of a skillful theft during opening hours?
A: Skillful theft is covered up to €500 per claim, with a €100 deductible. This type of theft refers to goods stolen without visible signs of forced entry but with skillful removal.

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Q: Does the policy cover damage during the setup or dismantling of the stand?
A: No, the policy does not cover damage occurring during the setup or dismantling of machinery or equipment.

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Q: Does the policy cover losses discovered only during an inventory check?
A: No, thefts discovered only during inventory are excluded from coverage. The policy requires more direct proof of theft.

 

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Section: All Risks - Transport

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Q: Does the policy cover damage during the transport of goods to the fair?
A: Yes, the coverage is active from the moment the goods leave the exhibitor’s warehouse until delivery at the fair premises. The return transport is also covered if the goods are properly packed.

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Q: If the goods are damaged during transport but weren’t properly packed, does the policy intervene?
A: No, damage caused by improper packaging is excluded from the insurance coverage.

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Q: Is return transport always covered?
A: Yes, as long as the goods are properly packed. The policy covers damage during return transport from the event location.

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Section: Third-Party Liability (TPL) and Employer's Liability (EL)

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Q: If a visitor is accidentally injured in the stand, does the policy cover the expenses?
A: Yes, the policy covers third-party damages, including personal injuries or property damage, up to €1,500,000.

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Q: If an exhibitor’s employee gets injured, are they covered?
A: Yes, coverage includes up to €500,000 for employee injuries, as long as the exhibitor complies with mandatory legal insurance requirements.

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Q: Does the policy cover damage from vehicles on public roads?
A: No, damage resulting from vehicle operation on public roads or designated areas is excluded from coverage.

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Q: In case of a fire causing damage in the stand, does the TPL policy cover the expenses?
A: No, the TPL policy does not cover damage to items in custody, such as stand setups or materials. These are covered under All Risks - Storage.

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Section: Theft with Forced Entry

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Q: If goods are stolen at night by forcing a stand’s lock, does the policy cover the damage?
A: Yes, theft with forced entry is covered. The thief must have forced locks, walls, or windows to enter the stand.

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Q: If a thief enters without forced entry but then forces a lock from inside, does the policy cover it?
A: Yes, the policy covers cases where the intruder enters clandestinely and then forces locks or other barriers to steal goods.

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Q: Does the policy cover thefts with no signs of forced entry, like shortages discovered later?
A: No, thefts without visible signs of forced entry or shortages discovered during inventory are not covered.

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FAQ: How to Protect Yourself from Non-Forced Theft

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Q: Does my policy cover thefts with no signs of forced entry?
A: No, the basic policy does not cover theft without forced entry, such as shortages or skillful theft beyond the €500 limit. However, you can protect yourself with additional solutions.

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Q: Is there additional coverage for non-forced theft?
A: Yes, you can purchase supplemental coverage specifically for non-forced theft by filling out the form at the top of this page. This solution offers broader protection for such events.

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Q: How can I reduce the risk of non-forced theft?
A: We recommend using security devices like padlocks, locks, and chains to secure exposed goods, making theft without forced entry more difficult. These devices reduce the risk of quick, unauthorized theft.

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Q: What’s the best solution to protect against non-forced theft?
A: The ideal solution is a combination of both options: purchase supplemental coverage for non-forced theft and use appropriate security devices to protect your goods. This way, you’ll have comprehensive protection both from an insurance and practical standpoint.