Small and Medium Enterprises Insurance
Whether you're starting out or you already have experience in business management, this means possibilities, optimism, courage, and that the main challenge of the management is the risk.
Company asset and employees protection along with a good strategy and visionary thinking will lead the business to the path of success.
Therefore, Small and Medium Enterprises insurance package is specially designed for those companies working in the commercial or service sector, offering a wide range of coverage that can be structured according to the complexity of the business and the desired protection:
- buildings and goods, including goods stored in cold chambers and breakable goods;
- breakdown of air conditioning, refrigeration systems and heating plants;
- fiancial loss resulting from business interruption;
- employee accidents;
- civil third party liability;
- tenant's liability.
The product is designed for small and medium business and authorized individuals whose activity is categorized as or services, according to NACE codes for the insured location.
Fields of activity
Some examples of areas:
- Hotels, motels, restaurants, hostels;
- Sports and fitness centers;
- Beauty salons;
- Notary offices;
- Medical and dental offices;
- Car Wash;
- Brokering activities;
- Real Estate;
- Professional, scientific and technical;
- Activities of travel agencies and tour operators and other reservation service and related activities;
- Wholesale, except:
- Tobacco products
- Retail trade, except:
- Motor vehicles and motorcycles
- Fuel for cars
Object of insurance:
Buildings and/or their content - locations where economic activity takes place, fixed stocks;
Machinery, equipment and / or facilities - air conditioning, central heating, refrigeration equipment, refrigeration showcases, refrigerators;
Financial loss resulting from business interruption - gross margin
Civil third party liability - damage caused to third parties by the insured
Civil liability of the lessee (tenant) to the lessor (owner) - damage caused by the insured during the period covered;
Employees’ accidents - death and disability cased by work accident.
Depending on the specific of the business and protection needs, the SME insurance package provides essential coverage for the most frequently requested global risks.
Standard risks covered:
Basic cover - fire and allied perils for buildings and/or contents, for the following risks:
- FLEXA: fire, lightning, explosion, aircraft falling; including damage caused directly by fire affecting the insured property: total / partial carbonization, melting, accidental damage to fixed installations belonging to the building, smoke spotting, gas / vapor emission following the fire;
- Earthquake and fire / explosion that follows the earthquake;
- Atmospheric hazards: storm, hail, flood, weight of snow or ice, avalanche, heavy rain;
- Collision (auto) vehicles and sonic boom;
- Strikes, riots, civil disturbances;
- Water pipe, discharge, leakage of sprinklers;
- Landslide, land crash;
- Burglary / robbery.
Additional risks covered:
The package can be tailored to cover the business with:
- Coverage for the goods stored in cold chambers;
- Coverage for the risk of breaking the breakable goods;
- Machinery breakdown;
- Financial losses resulting from business interruption;
- Accident insurance for employees;
- General third party liability insurance;
- Civil liability of the tenant to the owner.
Integral or up to 4 installments
Advantages and Benefits
Ensure ends quickly and easily without requiring inspection of risk, based on the registration certificate wide range of insurance component that allows configuration according to the complexity of business insurance
Safety Risks most commonly requested
- The insurance is concluded quickly and easily without requiring inspection of risk, based on the registration certificate
- Wide range of insurance components that allow configuration according to the complexity of the business
- Protectie pentru riscurile solicitate cel mai frecvent