{"id":10236,"date":"2026-09-07T00:51:06","date_gmt":"2026-09-06T21:51:06","guid":{"rendered":"https:\/\/manramu.lt\/business-insurance\/business-property-insurance\/"},"modified":"2026-09-24T21:57:05","modified_gmt":"2026-09-24T18:57:05","slug":"business-property-insurance","status":"publish","type":"page","link":"https:\/\/manramu.lt\/en\/business-insurance\/business-property-insurance\/","title":{"rendered":"Business Property Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"10236\" class=\"elementor elementor-10236 elementor-9292\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75ee19df e-con-full e-flex e-con e-parent\" data-id=\"75ee19df\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d3e513 mr-conversion-product-start e-flex e-con-boxed e-con e-child\" data-id=\"d3e513\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d2a5bcf elementor-widget elementor-widget-heading\" data-id=\"7d2a5bcf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Business Property Insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-516eacb4 elementor-widget elementor-widget-text-editor\" data-id=\"516eacb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Business property insurance covers losses when a company&#8217;s buildings, equipment, or inventory are damaged or lost due to fire, water, storms, theft, or vandalism. Coverage extends to both owned and leased property, as well as investments made in leased premises. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-422c21a4 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"422c21a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/property\/commercial-property\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Fill out the questionnaire<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ba3e1d6 elementor-widget elementor-widget-template\" data-id=\"2ba3e1d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"5694\" class=\"elementor elementor-5694\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f36dbab mr-trust-insurer-logos mr-trust-insurer-logos--compact elementor-section-content-space-between elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f36dbab\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wide\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-34b3e910\" data-id=\"34b3e910\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3e680bf6 elementor-widget elementor-widget-ucaddon_logo_grid\" data-id=\"3e680bf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_logo_grid.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<!-- start Logo Grid -->\n<style>\/* widget: Logo Grid *\/\n\n#uc_logo_grid_elementor_3e680bf6 {\n  display: grid;\n}\n#uc_logo_grid_elementor_3e680bf6 .ue-logo-title\n{\n  width:100%;\n  position:absolute;\n  bottom:0;\n  text-align:center;\n  left:0;\n}\n\n#uc_logo_grid_elementor_3e680bf6 div.logo-grid-item\n{\ntext-align:center;\ndisplay:flex;\nflex-direction:column;\njustify-content:center;\nalign-items:center;\noverflow:hidden;\n  position:relative;\n  transition:0.3s;\n\n}\n\n#uc_logo_grid_elementor_3e680bf6 div.logo-grid-item img\n{\nwidth:100%;\n  object-fit: contain;\n  display:block;\n  mix-blend-mode: normal;\n  position:absolute;\n  top:0;\n  left:0;\n  right:0;\n  bottom:0;\n  height:100%;\n  transition:0.3s;\n}\n\n\n\n#uc_logo_grid_elementor_3e680bf6 a\n{\n  display:block;\n  position:absolute;\n  top:0;\n  left:0;\n  right:0;\n  bottom:0;\n  cursor:pointer;\n  display:flex;\njustify-content:center;\nalign-items:center;\n}\n\n<\/style>\n\n<div id=\"uc_logo_grid_elementor_3e680bf6\" class=\"ue-logo-grid uc-items-wrapper \" >\n\t\t   <div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/balcia-draudimas\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/Balcia-logo.svg\" title=\"Balcia\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/Balcia-logo.svg\" alt=\"Balcia logo\">\n      \t\n      \n  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<img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/ERGO-logo.svg\" title=\"Ergo\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/05\/ERGO-logo.svg\" alt=\"ERGO logo\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/bunda-draudimas\/\" > \n\t\n  \n    <img decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/08\/Bunda.svg\" title=\"BUNDA\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2026\/08\/Bunda.svg\" alt=\"Baltic Underwriting Agency\" width=\"201\" height=\"66\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n<div class=\"logo-grid-item elementor-animation-float\" >\n   \n\t<a href=\"https:\/\/manramu.lt\/lietuvos-draudimas\/\" > \n\t\n  \n    <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/04\/LietuvosDraudimas-logo.svg\" title=\"LD\"  src=\"https:\/\/manramu.lt\/wp-content\/uploads\/2025\/04\/LietuvosDraudimas-logo.svg\" alt=\"LietuvosDraudimas-logo\" width=\"100\" height=\"59\">\n      \t\n      \n  <\/a>\n  \t\n<\/div>\n\n    <\/div>\n<!-- end Logo Grid -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7decd8af e-con-full e-flex e-con e-parent\" data-id=\"7decd8af\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-420411d8 e-flex e-con-boxed e-con e-child\" data-id=\"420411d8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1047cb78 elementor-widget elementor-widget-heading\" data-id=\"1047cb78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who is this insurance relevant for?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21903cdf elementor-widget elementor-widget-text-editor\" data-id=\"21903cdf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Property insurance is relevant for every company that has physical assets\u2014whether owned or leased\u2014at its place of business. The higher the value of the assets and the more business continuity depends on them, the more important such protection becomes. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67772f47 mr-comparison-paired-list e-con-full e-flex e-con e-child\" data-id=\"67772f47\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-19a37bf8 e-con-full e-flex e-con e-child\" data-id=\"19a37bf8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ffec7d3 elementor-widget elementor-widget-heading\" data-id=\"5ffec7d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Relevant if your company<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b90cca3 elementor-widget elementor-widget-text-editor\" data-id=\"2b90cca3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>has owned or rented premises<\/li><li>uses production, technological, or IT equipment<\/li><li>holds stock in the warehouse or at the point of sale<\/li><li>invested in the fit-out of leased premises<\/li><li>owns assets acquired through leasing or a bank loan<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ac03fcd elementor-widget elementor-widget-text-editor\" data-id=\"5ac03fcd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><small>In cases of leasing and pledging, property insurance is usually mandatory under the financing agreement.<\/small><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4b506f69 e-con-full e-flex e-con e-child\" data-id=\"4b506f69\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-701333c9 elementor-widget elementor-widget-heading\" data-id=\"701333c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Probably not relevant if<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1eaad6b2 elementor-widget elementor-widget-text-editor\" data-id=\"1eaad6b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>The activity is carried out solely remotely, without a physical business location.<\/li><li>only personal portable equipment is used<\/li><li>the premises owner insures the building, and you do not have your own equipment or inventory<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ccc741f elementor-widget elementor-widget-text-editor\" data-id=\"3ccc741f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><small>Important: property owner&#8217;s insurance covers the building, but not your equipment, inventory, or investments in the fit-out of the premises.<\/small><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3699bd31 e-con-full e-flex e-con e-parent\" data-id=\"3699bd31\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6958ab6e e-flex e-con-boxed e-con e-child\" data-id=\"6958ab6e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64e97a27 elementor-widget elementor-widget-heading\" data-id=\"64e97a27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What does business property insurance protect against?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64992fb9 elementor-widget elementor-widget-text-editor\" data-id=\"64992fb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Standard coverage includes fire, water damage, storms and other natural forces, burglary, and vandalism. The scope of coverage is selected based on needs\u2014ranging from basic insurance against fire and natural forces to an &#8220;all-risks&#8221; option that covers all incidents except for explicitly listed exclusions. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2005c7ea mr-comparison-paired-list e-con-full e-flex e-con e-child\" data-id=\"2005c7ea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3b126ff6 e-con-full e-flex e-con e-child\" data-id=\"3b126ff6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-374699f8 elementor-widget elementor-widget-heading\" data-id=\"374699f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Most commonly excluded risks<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a8fe1bb elementor-widget elementor-widget-text-editor\" data-id=\"4a8fe1bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Fire, lightning strike, explosion<\/li><li>Water damage \u2014 pipeline failures, consequences of firefighting<\/li><li>Storm, hail, downpour, weight of snow<\/li><li>Burglary and robbery<\/li><li>Vandalism and intentional damage by third parties<\/li><li>Breakage of glass structures<\/li><li>Damage to electrical equipment due to short circuit<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-470500e9 e-con-full e-flex e-con e-child\" data-id=\"470500e9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25123999 elementor-widget elementor-widget-heading\" data-id=\"25123999\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Insured property<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d07ec3 elementor-widget elementor-widget-text-editor\" data-id=\"2d07ec3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Buildings and structures<\/li><li>Equipment, machinery, office and IT hardware<\/li><li>Inventories \u2014 raw materials, finished goods, merchandise<\/li><li>Specialized machinery<\/li><li>Investments in premises for lease<\/li><li>Cash in the safe, billboards, employee property at the place of business<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f4cf7a5 elementor-widget elementor-widget-text-editor\" data-id=\"2f4cf7a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A separate insurance amount is specified for each property, and there may be multiple addresses\u2014coverage is not necessarily uniform across all business locations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a7744c6 e-con-full e-flex e-con e-parent\" data-id=\"a7744c6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-62b9f59a e-flex e-con-boxed e-con e-child\" data-id=\"62b9f59a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53a5ac85 elementor-widget elementor-widget-heading\" data-id=\"53a5ac85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What does this insurance typically not cover?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47fb32f0 elementor-widget elementor-widget-text-editor\" data-id=\"47fb32f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Property insurance covers damage to your own property. It does not cover damage to third parties, workers&#8217; health, vehicles or business interruption losses &#8211; separate products are available for this purpose. Natural wear and tear and failures due to improper operation are also not prohibited.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1cfc0eeb mr-comparison-paired-list e-con-full e-flex e-con e-child\" data-id=\"1cfc0eeb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-120c5e36 e-con-full e-flex e-con e-child\" data-id=\"120c5e36\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c96513d elementor-widget elementor-widget-heading\" data-id=\"3c96513d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Not included in the coverage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d03906a elementor-widget elementor-widget-text-editor\" data-id=\"6d03906a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Normal wear and tear, corrosion, mold<\/li><li>Faults caused by improper operation or lack of maintenance<\/li><li>Manufacturing defects and associated losses<\/li><li>Property in an open area without a separate agreement<\/li><li>Buildings under construction or reconstruction, absent a separate agreement<\/li><li>Intentional acts of the policyholder<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e466099 e-con-full e-flex e-con e-child\" data-id=\"1e466099\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f863f42 elementor-widget elementor-widget-heading\" data-id=\"3f863f42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Covered by separate products<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62bb562b elementor-widget elementor-widget-text-editor\" data-id=\"62bb562b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Damage to third parties \u2192 general civil liability<\/li><li>Harm to employee&#8217;s health \u2192 employer&#8217;s civil liability<\/li><li>Company vehicles \u2192 vehicle insurance<\/li><li>Business interruption losses \u2192 business interruption insurance<\/li><li>Cargo in transit \u2192 cargo insurance<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2863c3c9 elementor-widget elementor-widget-text-editor\" data-id=\"2863c3c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Some exceptions are subject to negotiation. If a specific risk is critical to your operations, please note this in the questionnaire comments\u2014the broker will look for an insurer willing to include it. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-365fbaf9 e-con-full e-flex e-con e-parent\" data-id=\"365fbaf9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e1525a7 e-flex e-con-boxed e-con e-child\" data-id=\"e1525a7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11caeff7 elementor-widget elementor-widget-heading\" data-id=\"11caeff7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What determines the cost of business property insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d2de14a elementor-widget elementor-widget-text-editor\" data-id=\"1d2de14a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The price is determined by the value and composition of the insured property, the nature of the activity, the construction of the building, the security measures installed, the history of damages and the selected deductible. The level of operational risk and fire protection are usually the most influential. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5db5982c elementor-widget elementor-widget-text-editor\" data-id=\"5db5982c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Type of activity.<\/strong> Offices, services, retail, warehousing, and manufacturing. Manufacturing\u2014and particularly high-risk manufacturing\u2014is subject to the strictest assessment. <\/li><li><strong>Value and composition of assets.<\/strong> Buildings, equipment and inventories are valued separately \u2014 each category has its own insurance amount.<\/li><li><strong>Building structure.<\/strong> Masonry is rated better than wood or metal arch construction. The roof covering is also important \u2014 thatched or wooden increases the risk. <\/li><li><strong>Fire protection.<\/strong> A fire detection system connected to a central security monitoring station can reduce premiums by approximately 15\u201320%. It is one of the most effective investments in risk management. <\/li><li><strong>Burglary protection.<\/strong> Alarm systems and their connection to a monitoring center, video surveillance, access control, physical security, and perimeter fencing.<\/li><li><strong>Claims history.<\/strong> The last three years are evaluated\u2014both the number of claims and their magnitude.<\/li><li><strong>Deduction.<\/strong> A higher deductible reduces the premium but shifts part of the risk to you.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-25134176 e-con-full e-flex e-con e-parent\" data-id=\"25134176\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-14c8e695 e-flex e-con-boxed e-con e-child\" data-id=\"14c8e695\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ee651ce elementor-widget elementor-widget-heading\" data-id=\"5ee651ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What to decide before taking out insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7497c013 elementor-widget elementor-widget-text-editor\" data-id=\"7497c013\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Several decisions determine whether the damage will be fully compensated. It is worth considering them before submitting a request, as changing the terms later is more difficult. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-657597b2 elementor-widget elementor-widget-text-editor\" data-id=\"657597b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Replacement value or market value.<\/strong> Replacement value allows for the asset to be rebuilt as new, whereas market value accounts for depreciation and is lower. Replacement value is almost always more appropriate for buildings. <\/li><li><strong>Realism of insured amounts.<\/strong> Reduced amounts lower the premium but trigger the underinsurance rule.<\/li><li><strong>Deductible amount.<\/strong> It is worth choosing an amount that the company can cover with its own funds without difficulty.<\/li><li><strong>Beneficiary.<\/strong> In the case of a lease or a bank pledge, the financier is usually designated as the beneficiary.<\/li><li><strong>Places of insurance.<\/strong> If there are multiple locations, consider whether they all require the same level of protection.<\/li><li><strong>Payment frequency.<\/strong> The contribution can be paid in one, two, or four installments per year.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-585b5058 e-con-full e-flex e-con e-child\" data-id=\"585b5058\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-302cd480 elementor-widget elementor-widget-text-editor\" data-id=\"302cd480\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>An example of underinsurance.<\/strong> The value of the asset is \u20ac500,000, and it is insured for \u20ac300,000 (60%). In the event of a \u20ac50,000 loss, the insurer may provide proportional compensation\u2014approximately \u20ac30,000. The company covers the remaining amount.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b98c66e e-con-full e-flex e-con e-parent\" data-id=\"7b98c66e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4c6e10ef e-flex e-con-boxed e-con e-child\" data-id=\"4c6e10ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b3de8d6 elementor-widget elementor-widget-heading\" data-id=\"2b3de8d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What you will need to fill out the questionnaire<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-583f81c3 elementor-widget elementor-widget-text-editor\" data-id=\"583f81c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We will retrieve the company name, address, and NACE code from the Centre of Registers\u2014you simply need to enter the company code. It is worth having the following at hand: <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5311b2d3 elementor-widget elementor-widget-text-editor\" data-id=\"5311b2d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Addresses of all insurance locations<\/li><li>Asset amounts by category: buildings, equipment, inventory, specialized machinery, leasehold improvements.<\/li><li>The building wall structure and roof covering<\/li><li>Data on fire safety and security systems \u2014 whether they are connected to a monitoring station and which company services them.<\/li><li>Damages over the past three years: date, amount, reason.<\/li><li>The desired insurance start date and the beneficiary, if different from the company.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-403da610 elementor-widget elementor-widget-text-editor\" data-id=\"403da610\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The questionnaire takes about 8\u201310 minutes to complete. If you do not have a specific piece of information, you can skip the field\u2014the broker will clarify it later. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e605362 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"7e605362\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/property\/commercial-property\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Fill out the questionnaire<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c23db77 e-con-full e-flex e-con e-parent\" data-id=\"1c23db77\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2d6add7c mr-faq-group e-flex e-con-boxed e-con e-child\" data-id=\"2d6add7c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6283c999 elementor-widget elementor-widget-heading\" data-id=\"6283c999\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b8b009f elementor-widget elementor-widget-n-accordion\" data-id=\"6b8b009f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1800\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1800\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Is business property insurance mandatory? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1800\" class=\"elementor-element elementor-element-5dc4b463 e-con-full e-flex e-con e-child\" data-id=\"5dc4b463\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78032db elementor-widget elementor-widget-text-editor\" data-id=\"78032db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">By law, no. However, it is often mandatory under a leasing or bank loan agreement when the asset is pledged as collateral or purchased using financing. It is worth checking the financing agreement for this requirement.  <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1801\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1801\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Can I insure rented premises? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1801\" class=\"elementor-element elementor-element-7603cea6 e-con-full e-flex e-con e-child\" data-id=\"7603cea6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5021587f elementor-widget elementor-widget-text-editor\" data-id=\"5021587f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">The building itself is usually insured by the owner. You can insure your equipment, inventory, and investments in the fit-out of the premises\u2014such as repairs, partitions, and building systems. This constitutes a separate object of insurance.  <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1802\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1802\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What is the difference between replacement value and market value? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1802\" class=\"elementor-element elementor-element-84b5b6b e-con-full e-flex e-con e-child\" data-id=\"84b5b6b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2acb16c6 elementor-widget elementor-widget-text-editor\" data-id=\"2acb16c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Replacement value is the cost of rebuilding or replacing an asset with a new one. Market value accounts for depreciation and is lower. When rebuilding a building after a fire, the market value is often insufficient to cover the costs.  <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1803\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1803\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What is underinsurance? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1803\" class=\"elementor-element elementor-element-77d1119a e-con-full e-flex e-con e-child\" data-id=\"77d1119a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d20ac1b elementor-widget elementor-widget-text-editor\" data-id=\"2d20ac1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">If the specified insured amount is lower than the actual value of the property, the insurer may compensate only a proportional share of the loss. Therefore, it is advisable to specify realistic amounts rather than reduced ones in an attempt to lower the premium. <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1804\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1804\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Does the insurance cover water damage? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1804\" class=\"elementor-element elementor-element-67c0ccf4 e-con-full e-flex e-con e-child\" data-id=\"67c0ccf4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2884a76d elementor-widget elementor-widget-text-editor\" data-id=\"2884a76d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Yes \u2014 the consequences of pipeline accidents and fire fighting are included in the standard coverage. Flooding and groundwater rise are usually assessed separately and are not always prohibited. <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1805\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1805\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Is it necessary to have an alarm system? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1805\" class=\"elementor-element elementor-element-229d8a9a e-con-full e-flex e-con e-child\" data-id=\"229d8a9a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76e10be2 elementor-widget elementor-widget-text-editor\" data-id=\"76e10be2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">It is not mandatory, yet significant. A fire detection system connected to a central security monitoring station is one of the most effective risk management investments and can noticeably reduce insurance premiums. <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1806\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1806\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Can I insure multiple addresses under a single policy? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1806\" class=\"elementor-element elementor-element-2d6119fa e-con-full e-flex e-con e-child\" data-id=\"2d6119fa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-641eba27 elementor-widget elementor-widget-text-editor\" data-id=\"641eba27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Yes. You can specify multiple insured locations in the questionnaire and assign separate property values \u200b\u200bto each. The scope of coverage does not necessarily have to be the same for all locations.  <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1807\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1807\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> How long does it take to get a quote? <\/h3><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1807\" class=\"elementor-element elementor-element-63891a6 e-con-full e-flex e-con e-child\" data-id=\"63891a6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2284504d elementor-widget elementor-widget-text-editor\" data-id=\"2284504d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"qa unrolled\"><div class=\"qa-answer\">Filling out the questionnaire takes about 8\u201310 minutes. The broker usually makes contact within one business day to align on needs before approaching insurers. <\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Is business property insurance mandatory?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"By law, no. However, it is often mandatory under a leasing or bank loan agreement when the asset is pledged as collateral or purchased using financing. It is worth checking the financing agreement for this requirement.\"}},{\"@type\":\"Question\",\"name\":\"Can I insure rented premises?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The building itself is usually insured by the owner. You can insure your equipment, inventory, and investments in the fit-out of the premises\\u2014such as repairs, partitions, and building systems. This constitutes a separate object of insurance.\"}},{\"@type\":\"Question\",\"name\":\"What is the difference between replacement value and market value?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Replacement value is the cost of rebuilding or replacing an asset with a new one. Market value accounts for depreciation and is lower. When rebuilding a building after a fire, the market value is often insufficient to cover the costs.\"}},{\"@type\":\"Question\",\"name\":\"What is underinsurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If the specified insured amount is lower than the actual value of the property, the insurer may compensate only a proportional share of the loss. Therefore, it is advisable to specify realistic amounts rather than reduced ones in an attempt to lower the premium.\"}},{\"@type\":\"Question\",\"name\":\"Does the insurance cover water damage?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes \\u2014 the consequences of pipeline accidents and fire fighting are included in the standard coverage. Flooding and groundwater rise are usually assessed separately and are not always prohibited.\"}},{\"@type\":\"Question\",\"name\":\"Is it necessary to have an alarm system?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It is not mandatory, yet significant. A fire detection system connected to a central security monitoring station is one of the most effective risk management investments and can noticeably reduce insurance premiums.\"}},{\"@type\":\"Question\",\"name\":\"Can I insure multiple addresses under a single policy?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. You can specify multiple insured locations in the questionnaire and assign separate property values \\u200b\\u200bto each. The scope of coverage does not necessarily have to be the same for all locations.\"}},{\"@type\":\"Question\",\"name\":\"How long does it take to get a quote?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Filling out the questionnaire takes about 8\\u201310 minutes. The broker usually makes contact within one business day to align on needs before approaching insurers.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-23919e4c e-con-full e-flex e-con e-parent\" data-id=\"23919e4c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-11db4628 e-flex e-con-boxed e-con e-child\" data-id=\"11db4628\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76737af5 elementor-widget elementor-widget-heading\" data-id=\"76737af5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Related insurance products<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36e0e381 elementor-widget elementor-widget-text-editor\" data-id=\"36e0e381\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Property insurance covers damage to your property. These products cover areas that are not included in it. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b64f4bf e-con-full e-flex e-con e-child\" data-id=\"5b64f4bf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-43fbe0ef e-con-full e-flex e-con e-child\" data-id=\"43fbe0ef\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4fb959bc elementor-widget elementor-widget-heading\" data-id=\"4fb959bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">General civil liability<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22699744 elementor-widget elementor-widget-text-editor\" data-id=\"22699744\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Damage to third parties arising from your operations, premises, or products<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18a601b8 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"18a601b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/liability\/general-commercial-liability\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">General Liability Insurance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1f71ad50 e-con-full e-flex e-con e-child\" data-id=\"1f71ad50\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bed1fb8 elementor-widget elementor-widget-heading\" data-id=\"7bed1fb8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Employer's civil liability<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11502799 elementor-widget elementor-widget-text-editor\" data-id=\"11502799\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Harm to an employee&#8217;s health or life in the event of a workplace accident<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38266f7e elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"38266f7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/employees\/employer-liability\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Employer Liability Insurance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-75a91ce4 e-con-full e-flex e-con e-child\" data-id=\"75a91ce4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c2f49f2 elementor-widget elementor-widget-heading\" data-id=\"6c2f49f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Corporate vehicle insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d8065de elementor-widget elementor-widget-text-editor\" data-id=\"7d8065de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Comprehensive (CASCO) and civil liability insurance for the company&#8217;s vehicle fleet<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14252215 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"14252215\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/fleet\/motor\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Transport<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5fdc5b66 e-con-full e-flex e-con e-parent\" data-id=\"5fdc5b66\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3ceb64dc e-flex e-con-boxed e-con e-child\" data-id=\"3ceb64dc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d4463 elementor-widget elementor-widget-heading\" data-id=\"1d4463\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Insure your business assets<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-111dcbf8 elementor-widget elementor-widget-text-editor\" data-id=\"111dcbf8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Fill out the questionnaire \u2014 you will receive offers from the main Lithuanian insurers. The request is non-binding. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-300cfafb elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"300cfafb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/pro.manramu.lt\/products\/property\/commercial-property\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Fill out the questionnaire<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ce329ac elementor-widget elementor-widget-text-editor\" data-id=\"3ce329ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><small>We store and use your data solely for the purpose of preparing a proposal.<\/small><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Business property insurance for small and medium-sized enterprises in Lithuania. <\/p>\n","protected":false},"author":2,"featured_media":10189,"parent":10188,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-10236","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Business Property Insurance for Companies in Lithuania | Man ramu<\/title>\n<meta name=\"description\" content=\"Find out what is prohibited, what is not covered, and what determines the cost of business property insurance. Fill out the questionnaire to receive offers from Lithuania\u2019s leading insurers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/manramu.lt\/en\/business-insurance\/business-property-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Business Property Insurance for Companies in Lithuania | Man ramu\" \/>\n<meta property=\"og:description\" content=\"Find out what is prohibited, what is not covered, and what determines the cost of business property insurance. 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