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Structure ( Liberty Commercial Premises insurance )
The following is construed as structure:
- The set of foundations, walls, structure, enclosures and brickwork, ceilings, paving, ironwork, fences and adjoining buildings that make up the building or premises where the insured activity is performed.
- The fixed installations in the building or premises, such as the heating and air conditioning systems, water, electricity and gas systems to their connection with public service networks, solar energy systems, telephone systems, fixed television and radio antenna and sanitary systems.
- Decorative items providing that they are stuck to the floors, ceilings and / or walls and any refurbishment work or work carried out to improve the insured premises.
- If the insured is a co-owner, the coefficient that may affect the undivided property in the horizontal property system shall also be considered as structure.
- In case of leased property, refurbishment work or building extensions, which are carried out by the insurance policyholder or insured, in order to fit out or adapt the buildings, premises or adjoining buildings for commercial use, shall also be construed as structure.