Obligated and insured subjects: Clarifications Ania
The FAQ published by Ania They provide important operational indications and pending further regulatory clarifications, represent an operational support tool to ensure correct and uniform application of the obligation.
All companies are obliged to subscribe to the policy registered in the business registerwithout distinction between micro, small or large realities, including the artisan ones, professionals in the form of a business (such as individual law firms), shops, B&B activities (if carried out as a company), carousels and amateur sports associations (if registered in the register).
For i Lenasing or rental goodsis the user who has to cover if the good is not already insured.
The insurance must concern the instrumental assets actually used in the activity and the insured sum must be determined according to the reconstruction value (for buildings), replacement cost (for plants, equipment and machinery) or Restore cost (for land).
Covered events and excluded damage
The Mandatory insurance events They are: flood, flooding, flooding, earthquake and landslide.
FAQs define these phenomena in detail, distinguishing them from similar events but excludedlike: storms, tares, water bombs, bradesism, avalanches, water infiltrations and damage from human causes.
The compulsory covers they include only i material and direct damage to the building and instrumental assets, while The indirect damage (eg business interruption) and those deriving from human acts (terrorism, sabotages, wars, etc.).
However, companies can take out covers optional supplementary for additional risks by contacting your insurer.
Buildings with building abuses: exclusions and residual obligations
An important clarification contained in the FAQ Ania concerns the buildings burdened by building abuse.
According to the provisions of art. 1, paragraph 2, of the Ministerial Decree n. 18/2025 implementing the Budget Law 2024, The real estate that is built in the absence of the authorizations provided for by the law are excluded from the insurance coverage, or that have undergone changes not regularly authorizedregardless of the gravity of the abuse.
Rule does not distinguish between substantial or slight abusessuch as the unauthorized opening or closing of a passage and therefore Any different construction can lead to the exclusion of the building from mandatory coverage.
Deadlines, adjustments and penalties
Insurance companies must adapt their products by March 31, 2025but for the policies already in forcethe adjustment will start at First renewal or useful payment. In case of Poliennial policiesthe adjustment will take place at the first useful deadline.
Companies that do not respect the obligation they risk lose access to contributions, grants or public facilitiesespecially in the case of calamitous events and may have to face the damage independently.
