A fire at one of the production halls, a major failure of the equipment on the production line, a panel detaches from the ceiling and injures a passer-by or a machinery explosion that damages the premises and injures the employees, there are so many nightmare scenarios. But they are very plausible ones and in case they materialise, they can endanger your activity and your entire business.
What can you do for the continuity of your business?
Unpleasant events cannot be completely prevented, being, in fact, unpredictable by their nature, but you can make the necessary arrangements that both the company and the employees have financial support in the event of these accidents.
Every business is unique, with specific needs and risks. At Groupama, we have simple and flexible products and services, adaptable to business needs, to ensure continuity of plans when unforeseen events occur.
Groupama offers a wide range of general insurances that suit all businesses, with the possibility of customization according to the needs and specifics of the activity:
- Property insurance
By opting for Property or Goods Insurance, you will have the certainty that, regardless of the risks to which residential buildings, administrative buildings, production halls and other constructions are exposed, as well as goods, machinery, merchandise stocks, materials and raw materials insured, you will more easily overcome any problems, both from a financial point of view and from the point of view of the time required to repair the damage.
In addition, Accidental Damage Insurance will help you to more efficiently solve problems generated by malfunctions in the equipment or machines you use, such as: machines, installations and production machinery in various industries; installations from electrical or thermal power plants; machinery used in transport, cranes, overhead cranes; installations that are included in the endowment of buildings.
And because any modern business uses electronic equipment, whether it’s complex digital equipment, a laptop or a tax register, Insurance dedicated to electronic equipment will help you get over such damages and theyr impact on your activity more easily.
- Car insurance
In the event of a road accident, Groupama offers you support in quickly restoring the vehicle through Casco Gradual and RCA insurance. For vehicles with a maximum authorized weight of over 7.5 tons, Casco Flote is available with 5 coverage options, from which you can choose the one that best suits the activity carried out and the vehicles equipped.
- Liability insurance
In carrying out its activity, any company may cause damage to third parties: material damage, bodily injury or financial loss. Liability insurance helps you deal with such unforeseen situations, ensuring your business continuity, and here you can opt for:
- General liability insurance, covering situations where material damage or bodily injury is caused to third parties – customers, employees, suppliers, etc.
- Professional liability insurance which helps you in cases where you cause financial damage through omission, error or professional negligence
- Directors’ or Executives’ Liability Insurance, offering you financial support to fix problems caused by uninspired decisions by people in management.
- Insurance for employees
People represent the most important capital of a company. Personal insurance, as an additional benefit to salary, is the tool by which a company, regardless of its size, provides the necessary support and financial support to employees and their families, in the less pleasant moments of life.
With Health Insurance – hospitalization and surgery for employees you can help your team cover medical expenses that may arise as a result of an accident or illness and even relapse after a first event, regardless of whether the medical services are provided in a hospital state or private, in the country or abroad.
Group life insurance provides financial protection to employees in the unfortunate event that accidents occur that lead to hospitalization and medical interventions, temporary incapacity for work or even death.
Travel abroad insurance covers work-related accidents that may occur while traveling abroad.
In addition to general risks, depending on the industry, companies are also subject to specific risks. Groupama offers insurance for businesses and professionals in fields such as:
Whether you have a manufacturing facility, a guesthouse, a car service, an architectural office, a construction company or an advertising company and you do everything by the book, risks can always turn into borderline situations for your business. Challenges and unforeseen moments are part of any entrepreneur’s journey – you can’t avoid them or predict them, but you can cover such risks with the right policy. We hope this material has helped you discover and better understand how the right insurance can support your business.
Take the step towards an insured future and ask for an insurance quote.
For additional information, you can consult the virtual assistant Amelie (24/7) on groupama.ro, you can write to relatii.clienti@groupama.ro, you can call AloGroupama 0374.110.110 (Monday – Friday, between 8:00 – 18:00) or contact the Groupama network of sellers and partners.