Transfer the risk elsewhere: why take out business insurance?
Investments by entrepreneurs and artisans are always full of unexpected events and these can occur at every stage of production. For this reason, companies increasingly tend to rely on insurance companies to take out policies that protect the business from the risk of financial losses of various kinds.
As every entrepreneur knows, there are no production sectors that are immune from the risks of possible negative events that can cause damage to employees, customers, third parties and to production.
The underwriting of the company insurance policy therefore represents an obligatory choice for companies and companies which, in making their investments, have assumed a whole series of responsibilities towards customers, suppliers and employees.
Who is it for?
The insurance policy is aimed at small and medium-sized enterprises , companies, sole proprietorships and artisans and the production sectors covered are all: from trade to crafts to farms. Obviously, each sector has a different exposure to risks related to production and, more generally, to the working environment.
Insuring people from accidents: RCT / O
It is very useful, in any case, that the owners of a company set themselves at least the minimum objective of insuring the people involved in the production and distribution of their products and services: third parties , managers , employees and workers represent the first risk for the business.
The RCT / O policy (civil liability towards third parties and towards workers) represents an indispensable choice for those who, believing in a project, have invested a capital. The RCT protects the company from damage caused to third parties by workers for facts attributable to it in carrying out its business.
It is also fundamental to insure one’s employees with an RCO from the risk of accidents which can represent a considerable expense for the company in the event of a request for compensation.
A particular case concerns insurance for executives : according to the collective labor agreement, the company is required by law to take out an insurance policy against both professional and extra-professional accidents.
This type of protection concerns the possibility of permanent, total or partial disability, or death caused by injury; it should be emphasized that the accident does not need to be linked to the manager’s work activity but all aspects of his life are protected: this policy covers the person from the accident 24 hours a day, every day of the year.
The complete choice to invest without worries: the all risks policy
Considering all the possible causes of patrimonial damage for the company, the most adequate and far-sighted choice is certainly to take out an all risks insurance , a complete solution that covers any unforeseen events in the management of your business.
More specifically, a multi-risk policy dedicated to companies and artisans covers the compensation costs resulting from the occurrence of the following unforeseen events:
- Theft
- fire
- Civil liability RCT / O
- Damage from business interruption
- Property risks
- Legal protection
- Indirect damage
- Product liability
- Damage caused by natural events
The advantages of relying on an insurance broker to dedicate yourself to your projects without worries
Choosing the assistance of an insurance broker before signing the company policy is convenient both in monetary terms and in terms of effectiveness and efficiency.
The scrupulousness of the insurance broker, his knowledge of the market and of the many production sectors with their relative risks means that the entrepreneur or the craftsman can devote himself completely to their work, leaving completely in the hands of these specialized figures the management of unexpected events. and heritage protection.
Request a quote from IGB and protect your company’s assets
IGB ensures its customer a personalized service with ad hoc measures that are well suited to the type of company, the production sector and the size of the company. In doing so, the entrepreneur will be able to enjoy various modular services and devote himself to his projects with serenity.
Thanks to the experience and dedication of the IGB specialists, the customer will be able to benefit from the insurance check -up including the analysis and identification of the risk , the creation of personalized coverage, the integral management of contracts and assistance in the event of accidents.
