As a company manager, you do your best to keep things going, but that doesn’t mean you can’t get challenged. Before making decisions about the evolution of your business, you need to know where you are going and consider the possible issues that could affect its continuity. A good way to get more perspectives is to make forecasts of receipts and payments, labor force evolution but also socio-economic changes.
If some of these elements are easier to predict and manage, the risk is always the element of surprise. From fire, lightning, explosion, collision of buildings insured by road vehicles or catastrophic risks, to accidental damage to water and sewerage, heating and air conditioning, damage to electrical or electronic equipment and flooding from neighbors or theft , risk remains an element that can destabilize any balance. And while no one can guarantee your full safety, proper insurance can guarantee the continuity of your personal or business plans when the unforeseen occurs.
By opting for Fire and other Calamity Insurance, you will have the certainty that, regardless of the risks to which your business headquarters, production halls, and other buildings are exposed, as well as goods, machinery, stockpiles, materials and raw materials insured, you will more easily overcome any problems, both financially and in terms of the time needed to repair the damage. The latter often means disrupting the business and generating losses. Therefore, in addition to the real estate insurance, you can also insure the gross profit losses caused by the temporary, partial or total interruption of the activity, following some insured events.
If your business is based on production, Accidental Damage Insurance will help you more effectively solve problems caused by malfunctions in the equipment or machines you use, such as: machines, installations and production equipment in different industries; installations in power or thermal power plants; machinery used in transportation, rolling stock, cranes, overhead cranes; installations included in the endowment of the buildings: heating, lighting installations, elevators, car repairs or storage or refrigeration installations. Risks can always appear on the production flow, for which it is good to have an insurance so that the production returns to normal as soon as possible. Such risks insured by the Insurance for accidental damages are:
- faults, short circuits or electrical or mechanical faults
- defects in material and casting, design errors
- installation or installation defects, faulty execution
- inexperience or negligence in use
- Insufficient water in boilers, explosion, dismantling caused by centrifugal force.
And because any modern business uses electronic equipment, whether it’s complex digital equipment, a laptop or a cash register, the operation of your business relies, to some extent, on these tools. Don’t leave them to chance and choose Groupama for the Insurance dedicated to electronic equipment. You will be compensated for damages caused by numerous risks, such as:
- negligence, non-training or improper handling, operating errors
- burglary, robbery
- fire with or without flame, explosion, lightning, collapse of objects
- fire-fighting or fire-limiting operations
- floods due to natural causes or water from pipes
- overvoltages, inductions, indirect lightning effects, voltage variations
- natural disasters or other violent natural phenomena that can cause damage (landslides, storms, torrential rain, hail, avalanches, etc.)
- the additional costs necessary for the continuation of the activity in case of destruction or damage of the insured property.
Challenges and difficult times are part of any entrepreneur’s journey – you can’t avoid them and you can’t predict them, but you can provide them with the right policy. We hope 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 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.