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Story no. 3: Accidental painting
SO WHAT HAPPENED?
A client from the technical industry hired a construction company to paint the façade of its principle office. The building had 4 floors, so the scaffolding was quite high. Close to the building was a yard where a car dealership stored its brand-new cars. Part way through the task, while working on the top storey, someone accidentally overturned a bucket of paint. The paint was blown into the air by a strong wind. It landed on six brand-new Audi cars, ‘accidentally’ repainting them. Following this unfortunate incident, the claimant pursued damages amounting to approximately PLN 60,000-70,000.
HOW DID WE SOLVE THE PROBLEM?
REMA BROKER Sp. z o. o. supported the client throughout the whole claims adjustment process. We carefully checked the provisions included in the civil liability insurance policy relating to the client’s business activity. It was prepared in such a way to cover various hypothetical circumstances arising from the nature of the client’s business activity. While developing the scheme, we spent a lot of time on formulating special clauses which minimised the risk of covering the cost of damage from the client’s own funds. The preliminary analytical work was certainly worth the effort, as it brought about benefits.
WHAT WAS THE RESULT FOR THE CLIENT?
The cost of the damage was 100% covered, with a total of PLN 65,000 being paid out by the insurance company. (including deductible franchise)
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