The Fidele Packages were created in response to a specific market demand for comprehensive Multirisk products tailored to the requirements of small to medium-sized commercial enterprises. These packages offer extensive coverage for various day-to-day risks at an affordable price point. They are designed to be flexible, allowing customization of insured sums and conditions to suit individual needs.

Below are tailor-made products designed for a clientele who has the option to choose what most fits its needs.

Property Insurance offered by Fidele encompasses two primary categories:

• Content: This includes interior furnishings such as furniture, fixtures, and optional coverage for valuables like jewelry and expensive artworks.
• Building: Encompasses the structural elements including electro-mechanical components such as lifts, boilers, and generators.

Basic Coverage under Fidele Home protects against loss or damage to insured property due to fire, lightning, domestic explosions, smoke, impact of vehicles, and falling aircraft, up to the total sums insured.

Optional Coverage expands on the Basic Coverage and includes protections such as landlord's and neighbor's recourse, coverage for natural disasters like earthquakes, tsunamis, storms, tempests, floods, and snow, as well as provisions for alternative accommodation, debris removal, water damage, burglary, third-party and personal liability, and terrorism.

Property Insurance under Fidele encompasses two primary categories:

• Content: This category includes items related to the interior decoration of the insured premises, such as office equipment, furniture, and fixtures.
• Building: Encompasses the structural elements of the premises, including electro-mechanical properties like lifts, boilers, and generators.

Coverage provided by Fidele Shop-Office mirrors that of Fidele Home with several pertinent additions. These include the cancellation of the electrical clause, coverage for workmen's compensation, plate glass, removal of debris, and protection against business interruption.

Property Insurance provided by Fidele comprises two primary categories:

• Content: This pertains to items related to the interior of the insured premises, such as kitchen equipment, furniture, and fixtures.
• Building: Encompasses the structural components of the premises, including electro-mechanical properties like lifts, escalators, boilers, and generators.

Coverage for Fidele Restaurant includes all fundamental protections applicable to commercial risks, like those offered by Fidele Shop-Office. However, notable differences arise in the Third-Party Liability section. Here, coverage extends beyond standard liabilities to include bodily injury and property damage sustained by third parties due to fire and panic-induced movements. Additionally, liability towards neighbors stemming from water damage originating from the insured premises, as well as coverage for intoxication and food poisoning to clients, is provided.

New additions to the coverage include protection against the deterioration of stock following a covered fire and coverage for valet parking services.

Property Insurance provided by Fidele focuses on two primary categories:

• Content: This category includes items related to the interior of the insured premises, such as garage equipment, machinery, and tools.
• Building: Incorporates the structural components of the premises, including electro-mechanical properties like lifts, escalators, boilers, and generators.

Coverage offered under Fidele Garage extends beyond that of Fidele Shop-Office. It introduces two new specialized concepts:

• Operational Liability: This includes liability arising from loss or damage to vehicles under repair or alteration due to accidents like fire, theft, test driving, hoisting, etc. It also covers Road Risks Liabilities, which pertain to liability to third parties while driving the vehicle.
• Professional Liability: This covers the insured’s liability for any professional errors or omissions leading to loss or damage to vehicles in their custody.

Property Insurance provided by Fidele is organized into two primary categories:

• Content: This category includes items related to the interior of the insured premises, such as medical equipment, machinery, furniture, and fixtures.
• Building: Embraces the structural components of the premises, including electro-mechanical properties like lifts, boilers, and generators.

Coverage: More than Fidele Shop-Office, the Fidele Laboratory comprises liabilities such as Medical Malpractice & Reconstitution of Files due to a covered fire.

Property Insurance provided by Fidele encompasses three primary categories:

• Content: This category includes items related to the interior of the insured premises, such as garage equipment, machinery, and tools.
• Building: Encompasses the structural components of the premises, including electro-mechanical properties like lifts, escalators, boilers, and generators.
• Vehicles: This category covers vehicles that are under the continuous custody and control of the insured, typically for 24 hours.

Coverage offered under Fidele Petrol Station includes standard protections related to Fidele Shop-Office. Additionally, it introduces an innovative approach to Third Party Liability coverage. This includes addressing risks specific to operations commonly conducted in petrol stations, such as damage to vehicles handled by employees during car washes, driving within the facility, and fire damage to clients’ cars in custody during night closing hours.

Property Insurance provided by Fidele revolves around two primary categories:

• Contents: This category contains items related to the interior decoration of the insured premises, such as kitchen equipment, furniture, and fixtures.
• Building: Incorporates the structural elements of the premises, including electro-mechanical properties like lifts, escalators, boilers, and generators.

Coverage offered for this type of property is akin to that of Fidele Restaurant, with additional coverage tailored for home delivery services.

Property Insurance provided by Fidele is structured around two primary categories:

• Content: This category holds items related to the interior of the insured premises, such as a stock of medical equipment and medicine, as well as furniture.
• Building: Realizes the structural components of the premises, including electro-mechanical properties like lifts, boilers, and generators.

Coverage offered under this policy is comparable to that of Fidele Shop-Office, with some differences in rates that are competitively priced.

Property Insurance provided by Fidele covers two primary categories:

• Content: This includes items related to the interior of the insured premises, such as stock in trade, equipment, tools, furniture, and fixtures.
• Building: Encompasses the structural components of the premises, including electro-mechanical properties like lifts, boilers, and generators.

Coverage under this policy closely resembles that of Fidele Shop-Office, with competitive rates. Additionally, if the insured selects at least 8 out of 10 available benefits, they receive an extra benefit package, which includes:

• Workmen Compensation cover for one named employee.
• Cash in Safe or locked drawers up to $500.
• In the event of a fire destroying films belonging to insured clients, each client will be compensated with 10 virgin films.

The Property Insurance provided by Fidele focuses on two primary categories:

• Content: This includes items related to the interior of the insured premises, such as medical equipment, machinery, stock of medicine, furniture, and fixtures.
• Building: Incorporates the structural components of the premises, including electro-mechanical properties like lifts, boilers, and generators.

Coverage under the Fidele Clinic policy closely resembles that of Fidele Pharmacy in terms of coverage and rates. However, it includes three additional features:

• Locum Doctor: In the event of accident or sickness, the clinic’s doctor can arrange for a replacement practitioner to cover the period of rest.
• Personal Accident: Provides coverage for the clinic’s doctor against death and permanent disability.
• Medical Malpractice: Covers the insured's liability for bodily injury caused by professional errors or omissions.

The Property Insurance provided by Fidele is structured around two primary categories:

• Content: This includes items related to the interior of the insured premises, such as office equipment, stock in trade, and furniture.
• Building: Incorporates the structural components of the premises, including electro-mechanical properties like lifts, boilers, and generators.

Coverage under this policy is similar to that of Fidele Shop-Office, with competitive rates. Additionally, if the insured chooses at least 9 out of 11 available covers, they receive an additional free benefit. This benefit entails Fidelity redeeming 50% of the cost of damaged permanent lenses, provided they are returned by clients within a 30-day period.

The Property Insurance offered by Fidele revolves around two primary categories:

• Content: This includes items related to the interior of the insured premises, such as equipment, machinery, furniture, and fixtures.
• Building: Encompasses the structural components of the premises, including electro-mechanical properties like lifts, boilers, and generators.

Coverage provided under Fidele Laundry is similar to that of Fidele Shop-Office, with an additional feature in the Third Party Section. This additional feature addresses Operational Liability, covering loss or damage to clients’ clothes under the insured’s custody, caused by any peril.

The Property Insurance offered by Fidele revolves around two primary categories:

• Content: This includes items related to the interior of the insured premises, such as equipment, machinery, furniture, and fixtures.
• Building: Encompasses the structural components of the premises, including electro-mechanical properties like lifts, boilers, and generators.

Coverage provided under Fidele Laundry is similar to that of Fidele Shop-Office, with an additional feature in the Third Party Section. This additional feature addresses Operational Liability, covering loss or damage to clients’ clothes under the insured’s custody, caused by any peril.