Small Business Insurance

Health Insurance

• The most common option is the Medical Network Plan: The insured accesses services through the company’s contracted providers, nationwide, with no limit on the number of services or their cost.
• The most comprehensive option is the Expense Reimbursement Policy: In addition to the company’s medical network, this policy provides coverage outside of it and worldwide, ensuring reimbursement of medical expenses up to a certain limit.
• There are also partial coverage options:
  • Policies without hospitalization or surgery.
  • Policies covering only certain specialties.
  • Dental-only policies.
• Health insurance can also be categorized by the presence or absence of copayments:
  • No-copay policies mean that, regardless of how often you use the services, you only pay the fixed monthly or annual premium without additional charges.
• Key benefits of health insurance:
  • Peace of mind and flexibility in scheduling appointments.
  • Avoiding long waiting lists.
  • Affordable plans tailored to different budgets and situations.
  • Telehealth services for at-home medical assistance.
  • Extensive coverage included in your insurance plan.

RC Insurance

• Operational Liability
• Premises Liability (damage to rented property)
• Employer’s Liability (workplace accidents)
• Accidental Pollution
• Product Liability
• Post-Work Liability
• Product Recall
• Union and Mixing Liability
• Professional Liability
• Legal Defense and Bail

Trade insurance

• Business Insurance in SevilleOffering a comprehensive range of solutions for businesses and public-facing establishments, including shops, offices, commercial premises, hotels, restaurants, hair salons, and retail stores.
  Coverage:Protection against meteorological events such as fires, lightning, damage from rain, wind, hail, snow, or electrical damage. Also includes coverage for theft, glass breakage, mirrors, and signs.Different Types of Insurance for Businesses to Protect :
  • Civil Liability Insurance: Protects the business in case of claims for injuries or damages to third parties, covering legal expenses and compensation.
  • Property Insurance: Safeguards business assets, including buildings, machinery, equipment, and supplies, against fire, theft, floods, and other risks.
  • Business Interruption Insurance: Covers expenses and income losses if business operations are disrupted due to an event covered by the policy.
  • Cybersecurity Insurance: Protects against cyberattacks and confidential information theft.
  • Directors and Officers Liability Insurance: Shields executives and senior management from lawsuits related to mismanagement or improper business practices.

  Needs and Risk Assessment:

  It is crucial for businesses to analyze their requirements to determine the most suitable insurance. Consulting with a specialized insurance broker is recommended for personalized advice.

flota insurance

• Fleet Insurance: Protect all your vehicles in a practical and cost-effective way
  • Guaranteed Savings: By grouping multiple vehicles under a single policy, you optimize costs and simplify payments.
  • Comprehensive Coverage: Includes Civil Liability, own damage, theft, fire, and roadside assistance, with additional options tailored to your needs.
  • Unified Management: Centralize everything in a single contract, making renewals and insurance control easier.
  • Fleet Flexibility: Easily add or remove vehicles, ensuring you always have the protection you need.
  • Less Paperwork, More Benefits: With just one policy, you simplify documentation and management, giving you more time to focus on your business.
  • Customized Conditions: We adjust coverage based on vehicle type (vans, trucks, passenger cars, etc.) and their use, offering you the best quality-price ratio.

Community insurance

• Communities and Buildings: Each community is unique and requires different coverage. Advisory services are provided to ensure protection against any contingency.Coverage: Regardless of the year of construction, common or private property, civil liability, and legal defense can be covered, with 24-hour assistance.Additional coverage available with partner companies, in addition to the basic package that includes Fire, Explosion, Lightning Strike, Theft, Water Damage, etc.:
  • Emergencies: 24/7 telephone assistance throughout the year.
  • Community Civil Liability.