Business On - SMEs Insurance | Generali

SMALL & MEDIUM SIZED BUSINESSES Business On

The insurance that adds value to your business

Features

Suitable for small and medium sized businesses
Tailored to suit your needs, regardless of your business activity
Flexible range of coverages. Only pay for what you need
Suitable for small and medium sized businesses
Tailored to suit your needs, regardless of your business activity
Flexible range of coverages. Only pay for what you need

Your ally in business growth

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ADVANTAGES

Business On gets you the full business-tailored package
  • Coverage for all damages
  • Coverage for your building, content and any secondary structures
  • Special coverage for electronic equipment
  • Option to insure your staff
  • Professional liability cover

BENEFITS

Generali rewards you with a discount on your premium based on:
  • Fire & theft protection measures
  • Alternative energy sources
  • The amount of the insured assets

Protection Pillars

The cornerstone of the plan is Property Insurance. If you wish, you can enhance the plan with additional cover options, such as Electronic Equipment Insurance, Liability Insurance, Money Insurance and Personnel Insurance.

Property Insurance

Create a plan tailored to your needs with a series of basic cover options, including:

The Building

Includes the building structure and potential add-ons/ improvements

The Content

Includes standard equipment, machinery, goods & commercial products, within the business, raw materials and objects places outdoors or under sheds.

Secondary structures

Includes structures such as kiosks, enclosures, fences, walls, swimming pools, signs etc.

IN DETAIL

Table of Cover Options

BASIC COVERS - INDICATIVE:

  • Fire - Lightning & Fire caused by a Short-circuit
  • Explosion
  • Smoke
  • Disturbance of Public Order
  • Malicious and Terrorist Actions
  • Flood – Storm – Lightning – Tornado – Hurricane – Cyclone and
  • Snowfall – Hail – Frost
  • Leakage, Rupture or Overflow of Water Pipes and/or Sprinklers and Drainage Pipes
  • Short Circuiting at Electrical Installations - Electrical & Electronic Devices/Appliances
  • Accidental Crystal Breakage
  • Daily allowance due to Interruption of operation
  • Third-Party Liability & Liability towards the Building Owner
  • Various expenses to cover your needs in case of damage

ADDITIONAL COVERS - INDICATIVE:

  • Theft/Burglary
  • Earthquake
  • Subsidence

Optional Protection Pillars

Enhance the core of the plan with additional option covers, and alternatives in limit options of liability and excess.
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Electronic Equipment Coverage

Covers material damage caused to electronic equipment, which have arisen from accidental, unforeseen, and sudden events. Indicatively, these events include:

  • Fall, breakage, handling failures, mishandling
  • Third party malicious actions
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Public Liability Insurance

It is important to secure protection with respect to your responsibility towards employees, clients, associates, and partners, when it comes to the performance, operation and activities of your business. Generali offers a Public Liability coverage option that includes:

  • Coverage for material damages, physical injuries (injury - illness) or even death to third parties within the premises/ area of operation of the business, as well as legal defense costs that may arise (General Liability)
  • The liability you have as an employer toward your employees, in case of injury or death at work (Employer’s Civil Liability)
  • Third party and employee food poising from the consumption of foods and beverages produced or sold by your company, which is in the F&B sector
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Money Insurance

Make sure that your staff feels protected in the event of an accident or any unforeseen event, with the following covers:

  • Expenses concerning Hospitalization & the provision of First Aid services at hospital outpatient clinics, as an Emergency incident, following an accident
  • Financial Support is provided for permanent, total disability or death caused by an accident
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Personnel Insurance

Make sure that your staff feels protected in the event of an accident or any unforeseen event, with the following covers:

  • Expenses concerning Hospitalization & the provision of First Aid services at hospital outpatient clinics, as an Emergency incident, following an accident
  • Financial Support is provided for permanent, total disability or death caused by an accident

Services

In case of damage to your property, we provide you with several services for the immediate restoration and containment of the damage. More specifically, we provide:
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ONLINE DAMAGE REPORT

Get online expert opinion and damages report via video call
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DIRECT REPAIR

Coordination and supervision of the restoration works by our cooperating network and immediate repair of the damage
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ON THE SPOT PAYMENT

Immediate compensation for damages up to € 2,500, without the submission of any supporting documents
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IMMEDIATE TECHNICAL ASSISTANCE

A specialized network of technicians for immediate damage repair, available 24/7

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Informational Documents

Information Document
Insurance Product Information Document (IPID)