Procedures and Services

Useful information and access to services

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Private Address: Calle 18% 31 y 33 Nueva Gerona

MISSION: Provide insurance, reinsurance and other related services, with a highly committed and qualified staff, that guarantee the trust and satisfaction of our customers, sustainable development and increased contribution to society.

VISION: We are positioned in the insurance market, with excellent services throughout the national territory, highly specialized and committed personnel, a consolidated structure and financial strength.

BUSINESS PURPOSE: Provide insurance, reinsurance, collections, inspection, appraisal and adjustment of breakdowns, as well as risk assessment. Marketing salvages to legal entities.

Together with you in prevention

Insurance will always be a financial guarantee against negative events, beyond our control and that occur unexpectedly. The decision to insure yourself is in your hands and your safety in ours. Our insurance is designed as a suit to suit you.

¨Don't let chance surprise you, your safety is at your fingertips¨

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Agricultural goods
The Agricultural Goods Insurance covers all short and long cycle crops, as well as permanent plantations of coffee, cocoa, sugar cane, banana, fruit trees, flowers and their productions.
Protection is provided to the following assets:
• Tobacco, vegetables, grains, rice and food crops.
• Coffee and cocoa
• Planting sugar cane
• Sugar cane
• Banana
• Protected crops
• Citrus
• Fruit trees
• Seedbeds
• Nurseries
• Forest
• Organoponics
• Temporary flower cultivation
• Permanent plantations
• Promotion of permanent plantations

By insuring these assets, they are protected against damages or losses caused by or as a result of Cyclone (Depression, Tropical Storm, Hurricane), windsock, tornado, flood, heavy rains, hail, drought, fire, as well as pests and diseases whenever the crops have been sown on the optimal dates according to the calendars approved by the competent organisms.

In essence, the vegetative development and production of the plants are assured, with their expected costs and yields. The insurance object of a temporary crop can be the investment made to it or the yield.

Investment Insurance: Amount of direct investment to obtain the expected harvest, considering the costs per labor according to the crop, the planting season, the technology to be used and the planned area. The amount of the insured direct investment may never exceed the value resulting from the sale of the crop.

Yield Insurance: Values ​​that the producer must reach at the end of the harvest, based on an expected level of production per unit area, valued at a weighted average price. The highest yields obtained by the producer in the last 3 years or similar campaigns, the productive potential of the variety (s), the edaphoclimatic conditions in which the crop develops, will be taken as a reference, if the crop is expected in irrigated or rainfed conditions, the technology used and the experience of the producer in managing the production. In the case of new producers for the determination of the insured value, the result of neighboring producers with similar conditions will be taken into account. The consideration of the behavior of the different factors will be adjusted to what is established in the manuals and procedures.

Permanent Plantations Insurance: Sum of the values ​​of all the plants that make up the plantation, determined from their cost sheets, considering the cuts or depreciation and technology of the crop.

AMOUNT OF INDEMNIFICATION:
a) -Loss before fruiting.
Both for investment and for yield, in cases where no reseeding is carried out, 90% of the loss valued at cost for the work carried out up to the moment of its occurrence will be compensated, reflected in the inspection and appraisal act.
When reseeding is carried out, the compensation will be calculated on the basis of one hundred percent (100%) of the expenses that will be incurred for the work necessary to carry it out. In this case it will be necessary to return the insured value.
b) -Loss after fruiting.

Investment The insurance compensation will be calculated by applying ninety percent (90%) to the loss reflected in the inspection and appraisal act, according to the actual work carried out up to the moment of occurrence of the claim, valued at cost per unit of production.

Yield The compensation amount will be calculated by applying the% selected by the Insured during the insurance process to the amount of the loss reflected in the inspection and appraisal act, valued at the sale price per unit of production at which it has been agreed. insurance.

Both in investment and in yield, no compensation will be applicable, when the amount of the value of the production obtained is equal to or greater than the amount of the insured value. If compensation was made before fruiting, it will be taken into account for the purposes of calculating the production obtained.

Permanent Plantations:

1. The insurance compensation will be 100% of the value of the lost plants. In the event of partial loss, 90% of the recovery costs of the plantation for the rehabilitation of the area (pruning, sanitation and cleaning) will be paid.

Livestock Goods

The Livestock Goods Insurance covers the deaths and sacrifices of the animals, as well as the loss of their ability to fulfill the purpose to which they were intended at the time of signing the contract, provided that these occur due to or as a result of weather risks, diseases or from thirty (30) days after the entry into force of the insurance and accidents.

The following is also covered: Choking, pathological delivery, tympanism, and operative and postoperative complications, provided that these interventions have been carried out by veterinary personnel.

Within this modality, extensions of coverage or additional coverage are provided for new births, occurring during the term of the insurance, in correspondence with the birth rate predicted by the producer.

As fundamental elements to take into account in the process of insurance agreement are: the state of the facilities, assurance of the required food, compliance with the sanitary and hygienic measures, planning and compliance with the medical-veterinary measures (mainly vaccination) .

Protection is provided to the following assets:
• Cattle
• Ovino- Caprino y Cunícola
• Beekeeping Production
• Poultry
• Poultry Production
• Equid
• Pig
• Aquaculture

Livestock heritage

This insurance covers the goods of the agricultural sector against damages caused by: Cyclone, tornado, windsock, flood, heavy rain, hail, fire, explosion, seismic phenomena, collapse, falling objects and aircrafts. In some lines, specific risks can be covered such as: civil liability and crash and overturn.
These are offered for the following assets:
• Houses, Ranches and Chambers of Curing tobacco
• Finished production
• Machinery, Equipment and Transportation
• Buildings and facilities
• Tobacco stocks
• Greenhouse Structures and Blankets
• Electronic Equipment
• Breakage of Machinery

In some products such as Machinery, Equipment and Transport, Electronic Equipment and Machinery Breakage, the risks covered are specific according to the characteristics of said goods, such as civil liability and collision and overturning.

The fundamental requirements that are required for the insurance of these goods are: compliance with the construction and use standards determined by their manufacturers, as well as the storage requirements for finished productions and supplies in warehouses.

Within this modality, the applied rates are not governed by a given pattern, based on the diversity of goods that it includes. If we can point out that they are the lowest applied in the agricultural sector and that their updating is required according to the phenomena that have been affecting their claims in recent years.

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In this insurance, the main coverage is for material damage, and at least one of the risks that comprise it must be contracted: Fire, Lightning, Explosion and Transportation, Shock or Tipping, Subtraction and Comprehensive Covering.
1. Fire, Lightning, Explosion and Transportation: Except for exclusions, the material damage or loss that the insured vehicle may suffer, including its parts and pieces, the vehicle being in circulation, at rest or during its transportation, as a consequence of Fire, Lightning, Explosion and Transportation.
2. Shock or overturn: For the direct and violent collision with any vehicle, object, person, animal, unevenness of the public highway, as well as the overturning or landslide of the vehicle. Understand the Shock against unevenness of the public highway, those cases in which the vehicle during its trajectory is directly and abruptly impacted against any speed bump, ditch, hole, pothole, mound or sewer, among others, causing severe damage to it, generally in its bottom, front to back.
3. Subtractions: For theft, theft, misappropriation and theft of the insured vehicle to use it. Theft of the insured vehicle is excluded when it is a motorcycle, scooter or motor tricycle.
4. Comprehensive Cover: Due to the direct and immediate action of a cyclone, wind sock or whirlwind, tornado, sea level, hail, rain, flooding from previous events, earthquake, total or partial collapse of buildings, fall of aircrafts or objects, birds, public disorders, intentional or negligent actions of third parties and unevenness of the public road, which has not been classified as a risk of collision.
The additional Civil Liability coverage is conditional on the contracting of some of the risks contained in the basic Material Damage coverage, where the Insurer covers the Insured's civil liability for damages caused to a third person arising from an accident with the vehicle. insured.
For the purposes of this coverage, damage to a third party is understood to be:
• Damages to the property of others: those accidentally caused by the insured vehicle to the property of third parties, up to the limit specified in the Particular Conditions.
• Bodily injury or death: those accidentally caused by the insured vehicle to third parties, up to the limit specified in the Particular Conditions.
The ESEN will consider, as if it were the insured, any other person who driving the insured vehicle with the knowledge and consent of the latter, causes damage to third parties, provided that said driver observes, complies and is subject to the terms and conditions of the contract, thus How will it extend the Civil Liability coverage incurred by the insured in driving any other vehicle that is not their property.

Exclusions

The consequences of the following events will not be compensated:
1. Acts intentionally committed by the Insured, their representative, spouse or family members up to the fourth degree of consanguinity and second degree of affinity.
2. Material damages or losses produced before the Policy was concluded, or during the suspension of the effects of any coverage, or due to non-payment of the premiums on the established dates.
3. Material damage or loss derived from the mere action of time, or the deterioration of the insured vehicle due to lack of maintenance and conservation.
4. Damage or loss caused to animals and objects owned by the Insured or third parties, while they are or are transported in the insured vehicle.
5. Accidents that occur while the insured vehicle is used in circuits, races or similar contests or in preparatory tests for said events, or while it is destined for training or learning practices, or when it is used for the perpetration of a crime, or in the transport of explosives, toxic or flammable materials, or used differently from that declared by the Insured or Policyholder when contracting the insurance.
6. Damage caused by loss of profits and other indirect damages of any kind.
7. Damages to the vehicle that, directly or indirectly, were caused or aggravated by nuclear reaction, nuclear radiation or radioactive contamination.
8. War declared or not, invasion, acts of foreign enemies, mutiny, civil commotion, insurrection, uprising, rebellion, sedition or events that the laws qualify as crimes against the State's Internal Security, as well as the application of the State of Emergency by consequence of the same.
9. Has not complied with the burden of proof or has done so insufficiently, in order to know reliably about the occurrence of the incident, its causes, degree of responsibility of the Insured or driver of the insured vehicle and any other element or concurrent circumstances in the harmful event.
In addition, the following events are excluded for the risks of Fire, Lightning, Explosion, Transport, Shock, overturning and Comprehensive Cover:
1. Driving the insured vehicle while intoxicated, or being affected to drive by having ingested alcoholic beverages, or being under the influence of drugs, toxins, narcotic drugs or hallucinogenic, hypnotic, narcotic or other substances with similar effects.
2. The lack of driver's license of the insured vehicle, or that having it, does not correspond to the category of the insured vehicle; as well as the violation of the sanction of deprivation or suspension of the driving license.
3. Violation of current legal provisions regarding requirements and number of people transported according to the capacity of the insured vehicle, the weight, size or passengers in places not suitable for this purpose, or in vehicles not officially authorized to provide that service. .
4. Damages that occur during the transportation of cargo or passengers in places not suitable for this purpose, or in vehicles not officially authorized to provide this service.
5. Violation of current legal provisions regarding the efficient technical condition and safety of the vehicle when driving it on public roads.
6. Damage to tires and tubes as a result of punctures and blowouts, unless it is the direct result of an accident that has also affected other parts of the vehicle.
Excluded for the risk of Comprehensive Coverage:
1. Damage or loss caused by meteorological phenomena to the vehicle subject to insurance when the Insured or Policyholder has not taken sufficient preventive measures in advance to preserve the property, avoid damage or lessen its consequences, in accordance with the guidelines and regulations established by the traffic authorities, the Civil Defense and the Meteorological Institute, as appropriate.
2. Damage due to water intake in the engine, when parked or when traveling with the insured vehicle through a flood.
3. Damage caused to the engine and mechanical aggregates, due to the consumption of contaminated fuel.
The following are excluded for Civil Liability coverage:
1. Driving the insured vehicle while intoxicated, or being affected to drive by having ingested alcoholic beverages, or being under the influence of drugs, toxins, narcotic drugs or hallucinogenic, hypnotic, narcotic or other substances with similar effects.
2. The lack of driver's license of the insured vehicle, or that having it, does not correspond to the category of the insured vehicle; as well as the violation of the sanction of deprivation or suspension of the driving license.
3. Violation of legal provisions

Contract forms
This insurance can be contracted both in national currency (CUP) and in freely convertible currency (CUC).
Recruitment at CUC
All vehicles will be insured regardless of year of manufacture, make, or model, as long as the technical inspection carried out on the vehicle has previously obtained the rating of Good.
Cuban natural persons may only contract the basic coverage of Material Damage. The R / C in currency or Cuban pesos will not be admitted under this policy.
Foreign natural persons must pay the premiums for both coverages (Material Damage and R / C), in convertible pesos.
The insured value of the vehicles and their accessories will be the amount reflected in the corresponding sales invoices. If you do not have an invoice for the sale of the vehicle or it has a value of less than 6000, the minimum insured value is 6000 CUC. Calculate your insurance
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If you wish to purchase this insurance in Cuban pesos, you can choose one of the following three modalities:
COVERAGE BASED ON INDEMNIFICATION
Under this modality, the Insured will only receive compensation, either total or partial, in Cuban pesos. Calculate your insurance in this modality
REPLACEMENT BASED COVERAGE
This modality is NOT intended to compensate the Insured in the event of partial damage or loss (minor damage), but its function is to REPLACE the damaged vehicle when it is declared technical low or its bodywork is not repairable and all the requirements to access are met. to the Replacement. However, the Insurer gives the possibility that if all the required requirements are not met, the Insured has the right to receive the corresponding compensation for appraisal, provided that an exclusion from the policy is not established.
Under this modality, the Insured may contract additional Civil Liability coverage and the injured third party may be indemnified by The Insurer up to the contracted limits. Calculate your insurance in this modality
ALL RISK COVERAGE
It is a more complete insurance, a combination of the two previous modalities, which provides coverage for partial losses, technical losses and non-repairable bodies, with the right to replacement, if the required requirements are met. Calculate your insurance in this modality
In any of these three modalities, the values ​​to be insured will have a minimum limit of 9,400 and a maximum of 12,000 Cuban pesos.
Insurance coverage will not be provided to car accessories such as audio equipment (radios, cassette players or CD players), audio horns, alarm systems and all those elements of improvement or decoration incorporated into the vehicle after leaving the center selling.

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For the purposes of this insurance, THIRD PARTIES, also known as Injured, are any natural or legal person other than the Policyholder or Insured, their spouses and relatives within the fourth degree of consanguinity and second of affinity, people who live with the Insured or Policyholder, without any financial benefit, the partners, administrators, managers, employees and people who, in fact or in law, depend on the Policyholder or Insured, while acting within the scope of said agency.
Damage to a third party means:
• Damages to the property of others: those accidentally caused by the insured vehicle to the property of third parties, up to the limit specified in the Particular Conditions.
• Bodily injury or death: those accidentally caused by the insured vehicle to third parties, up to the limit specified in the Particular Conditions.

Civil Liability for holders of driving licenses
Aimed at all Cuban or foreign natural persons who have a valid driving license. It covers the civil liability for which the Insured is legally responsible, originated by death or bodily injury caused to other people and / or by damage to the property of others, caused when driving a motor vehicle.
The contracted risks will cover the vehicle driven by the insured regardless of the type, make and model of the vehicle, as long as it is not owned by the Insured, the load will also be covered in a complementary way as damage to the property.
Civil Liability for the Road Freight Automotive Service
It applies to people who provide the service of freight transportation by road, with automotive means. It covers the insured for the civil liability to which he is exposed due to direct damages to third parties caused by the vehicles described in the Particular Conditions, namely:
• Injury or death to third parties, transported or not transported.
• Damage to the property of others.
• Damage to the cargo transported, from the moment it is received, until its delivery to the recipients.
• Damage for loading and unloading of merchandise

The premium depends on the tonnage of the vehicle, with a surcharge for the transport of dangerous goods and its capacity. When carrying out loading and unloading operations, the Insured must pay a premium surcharge to have coverage in that activity.
When the insured requests it, the coverage will be suspended for the time that the provision of the services ceases and until the moment it is rehabilitated, with modification of the validity.
Civil liability for the road passenger transport service
Aimed at people who provide passenger transportation service with private service motor vehicles.
It covers the Insured for the civil liability to which he is exposed due to direct damages to third parties caused by the vehicles described in the Particular Conditions, the risks covered are:
• Injury or death to third parties, transported or not transported.
• Damage to the property of others.
• Damage to the checked baggage of the passengers transported, provided that it meets the established requirements and according to the limited liability of the carrier, up to the amount of two hundred pesos ($ 200.00).

Civil Liability for the Transport Service in self-propelled or animal-drawn means
Aimed at people who provide the service of transporting cargo or passengers with self-propelled or animal-drawn means.
It covers the insured for the civil liability to which he is exposed due to direct damages to third parties caused by the vehicles described in the Particular Conditions, provided that the circumstances established in the transport regulations occur and as a consequence of:
• Injury or death to third parties, transported or not transported.
• Damage to the property of others.
• Damage to the transported cargo, excludes luggage.
• Damages due to loading and unloading of merchandise, where applicable.

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