Business Insurance - Information
Business insurance is the best way to protect your investment. At Generali, we are always by your side, with a wide range of covers and services that are activated in the event of an emergency, ensuring you the smooth continuation of your business.
In the event of damages to your business, you should either inform your insurance advisor in writing or send an email at firstname.lastname@example.org within eight (8) days from the incident. You should inform us regarding the following:
- The type of damage
- The cause of the damage and all the information related to it
Then, our representative will contact you regarding the supporting documents that are required as well as to schedule the visit of the claim’s expert for the damage report. You have the option of completing the damage report online with the mobile app “My eClaim”, provided the conditions are met. For damages up to €2,500, you will be compensated immediately without the submission of any supporting documents (On the spot payment).
Online damage report
With the mobile app “My eClaim”, you can complete the damage report online by recording the damage through a video call with a claim’s expert. In this case, you receive a link by sms to download the application to your mobile phone. You receive a video call through the application from the Generali representative that will provide instructions to record the circumstances of the accident. At this point, you should inform whether you wish to schedule the repair of the damage by a partner Generali workshop, through the Direct Repair service or if you wish to proceed with a workshop of your choice. With this online service, you significantly reduce your waiting time as you do not have to wait in order to book an appointment.
Receive immediate compensation, without any supporting documents and worries! “On the Spot Payment” offers you the opportunity to receive compensation immediately, without the need for any supporting documents, for damages up to € 2,500 to your business. The service is activated after the incident report, during the process of completing the damage report, either at your place or online with the mobile app “My eClaim”.
“Direct Repair” ensures that you will be able to feel calm and secure and return to your daily routine as soon as possible, after damages to your business, while minimizing your involvement in its restoration. With “Direct Repair” the process of compensation and repair is significantly reduced, from the moment of incident report till the conduction of damage report. “Direct Repair” offers:
- Immediate repair of damages with a cooperating workshop
- Coordination and supervision of work centrally
- Immediate compensation from Generali
A 2-year guarantee, following the inspection of the expert and the head of the technical company
How am I covered in case of natural disaster?
In case of natural disaster, such as flood, storm, thunderstorm, snowfall, frost or hail, we cover the costs for the material damages and the expenses required for the pumping of water from your home.
In addition, with the “Natural Catastrophe Response” service, we activate a set of services in case of a major catastrophic event, thus reducing time and bureaucratic procedures. More specifically, through our network of specialized partners, you can register the damages immediately, 24 hours a day, receive advance payment to begin the repair work and to be able pay for hotel accommodation and psychological support.
What if my business cannot operate because of damages incurred?
In this case, Generali gives you a daily allowance for each day that the insured business remains non-operational, following damages incurred. on your needs.
In the event that the damage concerns loss of money, what is provided by the program?
Financial transactions are part of the daily operations of every business. To ensure your future, we cover the loss of money, checks, bills and bills of exchange due to:
- Theft/ Robbery from the Safety Deposit Box and Cash Register
- Robbery during transport
What do I have to do in case of burglary?
- Contact the police immediately
- Report the burglary/ theft to Generali or your insurance agent
How can I receive my compensation for damages caused by fire?
- You have to report the incident to the Fire Department (199)
- You have to report it to Generali or your insurance agent
Does Generali cover me against earthquake damages?
Yes, but with the following conditions:
- The property was built after 1960
- The property was built in accordance to antiseismic guidelines
- The property has not been damaged by previous earthquakes
Can Generali cover me for the compensation I might have to pay, in the event that a client or a customer has an accident within the premises of my business, caused by reasons that can be attributed to me?
We cover you as long as your program includes the following covers:
- General Liability to cover your liability towards third parties for body injury, death or damages due solely to an act or omission on your part, from the operation of your insured business
- Employer Liability to cover the liability you have as an employer towards your employees, in the event of personal injury or death during the course of their work