Your business started with an idea and your determination and perseverance turned it into reality. Therefore, you are always looking for the best solutions and you choose the best materials for your business to thrive. In other words, you make sure that all your effort and dedication lead your business to where you want it to go.
But who will help you when unforeseen situations arise?
Caught up in developing your own business, working to pursue your dream and do everything necessary for your business to become and remain profitable, you always postpone the decision of securing your property and goods. Unfortunately, unforseen events may occur at any time, and here are some illustrative statistics for 2024.
In 2024, Groupama paid over 800 damage claims for goods and properties belonging to legal entities worth over 29 million lei, and the largest damage paid in 2024 was 6.5 million lei for a strong storm with hail and large water falls.
In fact, the 5 most common risks that generated damages paid under property and goods policies belonging to legal entities are: storm 40%; accidental damage to pipes 17%; flood from neighbors 15%; vandalism/theft 11% and fire 6%.
Groupama is your trusted partner, supporting the continuity and development of your business when the unexpected suddenly changes the plan.
With Fire and other calamities Insurance, you will be certain that, regardless of the risks to which your business premises, production halls, sales unit, as well as insured goods, machinery, merchandise stocks, materials and raw materials are exposed, you will more easily overcome any problems, both financially and in terms of the time required to remedy the damages. The latter most often means the interruption of business activity and the generation of losses. Therefore, in addition to property insurance, you can also insure your gross profit losses caused by the temporary, partial or total interruption of activity, following insured events.
Fire and other calamities Insurance is a flexible product that allows you to insure your buildings and/or their contents in 3 coverage options, depending on your business needs. In the Standard option, you have risks such as fire, lightning, explosion, falling aircraft, the Extended option has additional flood, storm, collapse or landslide and the weight of snow, and the All Risks option, being the most comprehensive, additionally covers earthquake, damage to water, sewage or central heating installations, flooding from neighbors, theft, hitting by vehicles, sonic boom, falling bodies, political risks, vandalism.
And in case of an event that causes damage to your buildings or property, we shall guide you through a simplified claim process and support you with options to speed up the process:
- self-assessment, you receive your money in your account within a maximum of 72 hours from the agreement, for damages less than 10,000 lei;
- payment of a 30% advance, within 72 hours of submitting the declaration of acceptance of partial compensation;
- guaranteed final payment, within 15 days of submitting the declaration of acceptance of compensation;
- online notification of the claim.
Challenges and difficult moments are part of the life of any entrepreneur, you cannot avoid them and you cannot predict them, but you can insure them with the right policy. We hope that this material has helped you discover it and better understand what it can do for you.
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 on relatii.clienti@groupama.ro, you can call AloGroupama 0374.110.110 (Monday – Friday, between 8:00 – 18:00) or contact Groupama’s network of resellers and partners.
