Customised solutions for special requirementsSpecial transport risks

The trade in jewellery, gemstones and watches is associated with particular risks – whether during storage, sale or transport. Jewellery and valuables insurance from MRH Trowe reliably protects your valuable goods against loss, damage and theft – both nationally and internationally.

What is insured?

• Jewellery, watches, precious stones and other valuables
• Raw materials such as precious metals
• Semi-finished and finished products
• Third-party property entrusted to you for business purposes
• Stock such as cases, containers or packaging material
• Cash (if agreed)

When does the insurance cover apply?

• During storage in your own business premises or bank safe deposit boxes
• In display cabinets, showcases or shop windows
• During sales negotiations or on the company premises
• If carried on business trips
• During transport by authorised transport companies
• During storage, e.g. in hotels, customs warehouses or with official bodies – against receipt and to the agreed extent

Which risks are insured?

Valuables insurance is based on all-risk cover. It provides compensation in the event of:

• Loss, damage, theft or robbery
• Destruction due to fire, natural hazards or other unforeseen damage

Who is insured?

• Jewellers, jewellery dealers and gemstone companies
• Companies in the watchmaking and jewellery industry
• Manufacturers or traders with a connection to high-quality jewellery
• Lenders of valuables
• Employees who handle the insured goods in the course of their work

Important information before concluding a contract

• The insured items as well as storage locations and containers are documented and evaluated in advance
• MRH Trowe coordinates the necessary safety requirements for storage and transport together with the insurer

Fashion and design collections are exposed to a variety of risks during presentations, journeys or events. MRH Trowe’s sample collection insurance offers reliable protection for your collections – including packaging and transport containers – during development, presentation and distribution.

Which risks are insured?

• During a layover:
  • Fire, lightning strike, explosion
  • Tap water damage
  • Burglary and robbery
• During transport:
  • Accident involving the means of transport
  • Fire, lightning strike, explosion
  • Rain, snow, hail
  • Natural hazards (e.g. storm, flooding)
  • Robbery, embezzlement, loss
  • Theft of the entire vehicle
  • Burglary of a locked vehicle

What is insured?

• Sample goods of all kinds
• Packaging and transport containers

When is insurance cover provided?

• During transport to and from presentations, events, trade fairs or storage facilities
• During the exhibition or presentation
• For interim storage in the context of advertising and sales processes

Important information about the insurance cover

• Cover in the event of unattended parking in the vehicle – especially at night – only exists under certain conditions
• Valuables such as gold, silverware, jewellery, precious stones, watches or coins are not insured (→ see valuables stock in transit insurance)
• Securities, works of art and collectors’ items are also excluded from insurance cover

Who is insured?

• Companies that develop or distribute fashion or design collections
• Employees who create or present sample collections as part of their work
• Commercial travellers with samples
• Persons who lend collections for business purposes
• Organisers of temporary presentations and exhibitions

Things can happen quickly when travelling on business: Luggage is damaged, stolen or delivered late. Company baggage insurance protects the personal travel needs of your employees and managers when travelling on business – both nationally and internationally.

Which risks are insured?

• Theft and burglary
• Robbery and extortion
• Malicious damage by third parties
• Loss (not due to being left behind)
• Accident involving a means of transport or the insured person himself/herself
• Destruction due to storms or force majeure

What is insured?

• Personal travelling accessories and clothing
• Technology, electronic devices and business equipment
• Travel souvenirs and gifts

When is cover provided?

• For items carried on the body or transported in luggage
• For luggage transported by a normal means of transport
• In the event of delayed luggage delivery: Assumption of the costs of necessary replacement purchases

Important notes

• For certain items – e.g. furs, jewellery, precious metals, sports equipment, photographic and video equipment – special compensation limits or exclusions apply, especially when stored in a vehicle
• No insurance cover is provided in the event of wear and tear or if items are left unattended

Who is insured?

• Entrepreneurs
• Named employees and defined groups of people
• Business travellers on behalf of the company

Not every vehicle can be sensibly insured with classic comprehensive motor insurance or machinery insurance. MRH Trowe’s land-based insurance offers comprehensive insurance cover especially for special vehicles, rail vehicles and fairground businesses – even for exceptional use or stationary use.

Which risks are insured?

• Accidents, e.g. collisions with other vehicles or objects, derailments
• Theft, theft, burglary and robbery
• Embezzlement or loss
• Fire, lightning strike, explosion
• Damage caused by forces of nature such as earthquakes, floods, storms or hail
• Malicious damage by third parties
• Collapse of storage or transhipment buildings

What is insured?

• Fairground vehicles such as food stalls, merry-go-rounds, Ferris wheels or mobile installations in amusement parks
• Rail vehicles, e.g. trams, railway wagons, swap bodies
• Special vehicles such as cranes, excavators or museum exhibits with a driving function

When is insurance cover provided?

• In the event of loss or total loss: Reimbursement at current market value
• In the event of damage: Assumption of repair costs up to the current market value, including:
• Costs of spare parts and repair materials
• Express surcharges or rush fees for freight
• Wage supplements (e.g. on public holidays)
• Expenses for disassembly/assembly
• Salvage and clean-up costs

Who is insured?

• Fairground companies – from mobile snack bars to amusement parks
• Operators of private or regional railways
• Owners and operators of special vehicles or historical vehicle exhibits (e.g. in museums)

Perishable products such as food, medical samples or semi-finished products must be reliably cooled at all times. A technical failure or power problem can cause considerable losses. Refrigerated goods insurance from MRH Trowe offers comprehensive protection for commercially used frozen and refrigerated goods – both during storage and as part of your own transport processes.

Which risks are insured?

• Technical failure of freezers due to material or manufacturing defects, short circuit, overvoltage, insulation damage, operator error or negligence
• Fire, lightning strike, explosion
• Burglary, robbery, malicious damage
• Damage caused by water (excluding high tides / flooding)
• Natural hazards such as storm, hail, snow pressure, rockfall or landslide
• Contamination or leakage of refrigerants such as ammonia or brine
• Power failure with consequences for the cooling capacity

What is insured?

Commercially used chilled and frozen goods, in particular foodstuffs and luxury foods as well as finished products, semi-finished products and raw materials

When is cover provided?

• Property damage due to spoilage, destruction or loss of the insured goods
• Damage during associated transport processes at the place of insurance
• Replacement on the basis of the replacement price for goods of the same type and quality

Important notes

• Compliance with operating and maintenance instructions
• Regular checks and inspections by qualified specialist companies
• Compliance with safety and operating specifications for commercially used cold stores and facilities

Who is insured?

• Companies in food wholesale and retail
• Processing companies in the food industry
• Slaughterhouses and tinned goods manufacturers
• Medical laboratories
• Hospitals with temperature-sensitive storage

Whether it’s a concert, trade fair, sporting event or company anniversary – despite careful planning, an event can be cancelled, abandoned or significantly changed at short notice. MRH Trowe’s event cancellation insurance protects you against the financial consequences of such unforeseeable events – reliably and individually customisable.

Which risks are insured?

• Weather-related hazards and storms
• Accidents, deaths or terrorist threats
• (Optional) Illness of persons important to the event such as artists, presenters or speakers

What is insured?

• Reimbursement of income from ticket returns
• Hire charges for event rooms, technology or infrastructure
• Expenses for decorations, catering, staff or artists’ fees
• Loss of sponsorship money
• Costs of set-up, preparation or pre-production
• Prize draw items and promotional items

Optional extension:

Protection against financial losses due to the non-appearance of contractually named key figures (e.g. main artists, orchestras, presenters)

When is insurance cover provided?

• In the event of external, unforeseeable influences that lead to the cancellation or rescheduling of the event
• (Optional) In the event of illness or cancellation of key persons who are decisive for implementation
• Prerequisite: The influence lies outside the responsibility of the event management

Important notes

• Additional cover such as weather risks or staff shortages requires sufficient lead time before the start of the event
• The exact conditions and exclusions are agreed individually

Who is insured?

• Organisers of concerts, festivals, sporting events, trade fairs, congresses, company parties or parades
• Employees, artists and subcontractors who are directly connected with the event