A Business Insurance It is, in some way, a policy that does the job of protecting companies or businesses against the countless risks and/or accidents that may arise and, consequently, cause damage to their assets.
And it is that, at present, nobody is safe from a accident and this includes both people As the Businesswhich is why it is important to have security that, in the event of any eventuality, protects us and guarantees the continuation of the business.
However, there are various types of insurance, whose priority is to help companies to cover themselves against the different events that can cause losses.
Types Business Insurance:
- patrimonial: These cover the assets of the insured for damages or losses that they may suffer as a result of fires, explosions and damages due to natural disasters.
- Of civil responsibility: This insurance has the particularity of covering sudden and foreseen accidental damage caused to a third party.
- Incapacity, invalidity or death: This insurance is the one that is in charge of protecting employees (and their families) in the event of an accident at work.
- vehicular: It should be noted that companies can take out a policy to protect their fleet of vehicles.
- Of bail: This type of insurance is responsible for covering against breach of obligations (The policyholder is the one who has the obligations and the beneficiary is the creditor thereof). It may be mandatory in certain cases, for example, when contracting with the State.
An important fact is that, in the same way, companies can also protect themselves in case of registering losses of cash and/or objects where the employee himself is responsible. This is a cover of dishonesty (fidelity bond).
The business insurance provides protection to small and/or medium-sized companies, with different coverages according to their activity. (Industrial, commercial and services).
Learn about some of the coverages:
- Fires: We insure your property and assets against material loss or damage, due to fire, lightning, explosion and/or natural disasters.
- Crystals: In case of accidental breakage of glass and/or crystals, replacement is covered, including placement and/or repair.
- Stole: Losses resulting from robbery with violence and/or assault are covered.
- Electronic equipment: We cover your repair as a result of sudden damage, theft or covered natural phenomenon.
- Advertisements: We support you in repairing all the ads that are part of your business.
- Civil Liability: We support damages to third parties caused by your business activities or if a client suffers a mishap within the company.
- Machinery: Help to repair your machinery in case of a failure or repair.
- Incidental expenses: We provide support in case you require debris removal, extraordinary expenses for demolition, cleaning to continue the activities of your business.
- Hydrometeorological risks: We protect the property and/or contents against disasters such as: hail, hurricane, flood, tsunami or snowfall.
- Earthquake: We protect your business so that it is protected from damage caused by an earthquake and/or volcanic eruption.
Equinox Agent account studies of Risks prevention that allows you to timely detect any latent risk within the company.
In this season it is important to consider carrying out adequate maintenance to avoid any accident.
- Equipment: All equipment that is no longer used must be de-energized. On the part of the security area, they must carry out tours to make sure that they are disconnected from the electrical current.
- Lighting lamps: If the use of lighting is not required, it should be turned off and make sure that no lamps are left on.
- Surveillance staff: The personnel in charge of supervision must carry out constant monitoring tours of the facilities.
- Dinning room: In the dining area, stoves are used, so it must be verified that they are closed.
- Christmas lighting: In altars and decorations, it is not recommended to place Christmas lighting and candles.
In Equinox Agent We protect your assets with the best coverages suitable for you, we let you take care of you, always. Ready for superior service?