Regardless of the field of activity or the size of your business, its insurance is the best guarantee of your investment. Feel safe to pursue your business goals knowing that the time and resources you have devoted to setting up and staffing your business are guaranteed.
With the Business On Small and Medium Business Insurance Program, you get a complete and flexible solution that adapts to the targeted needs of your business, offering you control over the options in your coverage and premium. A program suitable for medium and small businesses as well as for businesses with mortgages, so that you are always protected from the unexpected that can happen.
So that nothing interrupts the dynamics of your business plans!
INSURANCE
The coverage of the program revolves around the following Axes. Property Insurance is the basis of the program, where a complete body of basic coverage is further enriched by optional options and many alternatives in the limits of coverage liability and the amount of participation. If you wish, other insurance branches are added to it, such as Electronic Equipment Insurance, Liability Insurance, Money Insurance and Personnel Insurance.
Property Insurance
The cornerstone of the Program is Property Insurance, with a number of basic and additional coverages to create an insurance program tailored to you. Includes:
The building
building installation and improvements
The content
such as fixed equipment, machinery and goods within the business, raw materials and articles located outdoors or under sheds
The auxiliary spaces
such as kiosks, fences, walls, swimming pools, signs, etc.
You configure your insurance according to which of the above you have, so that your business needs are targeted!
Basic Coverage – indicative:
- Fire – Lightning & Short Circuit Fire
- Explosion
- Smoke
- Disorder of Public Order
- Malicious and Terrorist Actions
- Flood – Storm – Storm – Tornado – Hurricane – Cyclone and
Snow – Hail – Frost - Leakage, Burglary or Overflow of Piping and / or Sprinklers and Drainage Installations
- Short Circuit of Electrical Installations – Electrical and Electronic Devices
- Accidental Crystal Breakage
- Daily Allowance due to Interruption of Work
- Civil Liability to Third Parties & to the owner of the Building etc.
- Various expenses that will cover your needs in case of damage
Additional Coverage – indicative:
- Theft / Robbery
- Earthquake
- Sedimentation
Because your dreams are growing with your business, we have provided for you cases that are a consequence of some loss (with or without capital increase).
Electronic Equipment Insurance
Electronic equipment (computers, processors, hardware, telecommunications equipment, etc.) is a significant investment for your business and necessary for its smooth operation. We therefore cover the material damage that will be caused to it, regardless of whether it was in operation or not, but also during its assembly and disassembly and which are due to accidental, unforeseen and sudden event and are not the result of any covered risk. Indicatively, the following are covered:
- Fall, breakage, handling errors, clumsiness
- Malicious actions of third parties
Liability insurance
It is important to be aware of your responsibility to your employees, customers and associates regarding the operation and activities of your business. Generali offers you Liability coverage which includes:
- Coverage for material damage, bodily injury (injury – illness) or death to third parties at the place of operation of the company, as well as the legal costs that will arise (General Liability)
- The responsibility you have as an employer to your staff in case of personal injury or death, during their work (Employer Liability)
- Food poisoning of third parties and employees, from consumption of food and beverages produced or sold by the company you maintain, which is of health interest
Money Insurance
We cover you loss of money, checks, bills and bills of exchange due to:
- Theft / Robbery of Money from the Safe and the Cashier
- Robbery while transporting them
Personnel Insurance
It is important that people who work in your business are protected in the event of an accident and feel safe in the face of possible unforeseen situations. For this, we cover:
- Expenses for the Hospitalization & the provision of First Aid in the outpatient clinics of the Hospital due to Emergency-Emergency after an accident
- Financial support in case of permanent total disability or accidental death
SERVICES
In case of damage to your property, we have provided services for you for its immediate restoration and reduction. Specifically, we provide:
- On line expertise
Possibility of online expertise and recording of the damage through video call - Direct Repair
Coordination and supervision of restoration work by a cooperating workshop and immediate repair - On the spot payment Immediate compensation for damages up to € 2,500, without the submission of supporting documents
- Immediate technical assistance
Specialized network of technicians for immediate damage repair, 24/7
