
Insurance Solutions for Small & Medium Business – Business On

Regardless of your field of activity or the size of your business, insurance is the best way to protect your investment. Feel secure to pursue your business goals, knowing that the time and the resources you have devoted to creating and growing your business, are safeguarded.
With Business On, an insurance solution designed specifically for the needs of Small and Medium Enterprises, you gain comprehensive and flexible coverage that can be adapted to the specific needs of your business, thus, offering you control of both your coverage options and your premium. It is a program suitable for medium and small size businesses as well as for businesses with mortgages, so as to always be protected against unexpected events.
So that nothing interrupts the dynamic development of your business!
COVERS
The program is built around the following Axis. Property Insurance is the basis of the program, where an extensive selection of basic covers is further enriched with additional optional coverages, as well as many alternatives regarding the limit of coverage capital desired and deductible amounts. If you wish, you can further extend your coverage to include Electronic Equipment Insurance, Liability Insurance, Money Insurance and Personnel Insurance.
Property Insurance
The cornerstone of the Program is Property Insurance, with a series of basic and additional covers options, so you can create an insurance program tailored to your needs. It includes:

The building
building structure and its add-ons / improvements

The content
such as equipment and commercial products within the business, materials and objects placed outdoors or under sheds

Secondary structures
such as kiosks, fences, walls, swimming pools, signs etc.
Based on which items of the above you possess; you can tailor your insurance program respectively. Thus, securing targeted coverage for your business needs!
Basic Covers – indicative:
- Fire – Lightning & Fire caused by a Short-circuit
- Explosion
- Smoke
- Disruption of Public Order
- Malicious and Terrorists Acts
- Flood – Storm – Tornado – Hurricane – Cyclone and
- Snow – Hail, Frost
- Leakage, Break or Overflow of Water Pipes and/ or Sprinklers and Drainage Pipes
- Short circuiting of Electrical Installations – Electrical and Electronic Devices
- Accidental Crystal Breakage
- Daily Allowance due to Interruption of operation
- Third Party Liability & Liability towards the Owner of the Building etc.
- Various expenses to cover your needs in case of damage
Additional Covers – indicative:
- Theft/ Burglary
- Earthquake
- Subsidence
As your dreams grow along with your business, we have also included the coverage of instances that may arise as a consequence of a damage incurred (with or without capital increase).
Electronic Equipment Insurance
The electronic equipment (computers, processors, hardware, telecommunications equipment, etc.) is a significant investment and necessary for the smooth operation of your business. We therefore cover damages that will be caused to it, regardless of whether the equipment was in operation or not, but also during its assembly and disassembly, which are due to an accidental, unforeseen and sudden event and are not the result of any covered risk. Indicatively, we are covering the following:
- Fall, breakage, handling errors, clumsiness
- Malicious acts of third parties
Liability Insurance
It is important to secure protection with respect to your responsibility towards employees, clients and associated, as they pertain to the operation and activities of your business. Generali offers you Liability coverage that includes:
- Coverage for material damages, bodily harm (injury) or even death of third parties within the premises of your business, as well as legal costs that may arise (General Liability)
- The liability you have as an employer towards your employees, in the event of injury or death, during their work (Employer’s Civil Liability)
- Food poisoning of third parties and employees, from the consumption of food and beverages produced or sold by your company, which is in the F&B sector
Money Insurance
We cover the loss of money, checks, bills, notes and bills of exchange due to:
- Theft/ Robbery from a Safety Deposit Box or Cash register
- Robbery during transport
Personnel Insurance
It is important that individuals working at your business are protected in the event of an accident and that they feel protected against any unforeseen event. Thus, we provide coverage for:
- 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:
Online damage report
Possibility of completing the damage report online by recording the damage through a video call with a claims expert
Direct Repair
Coordination and supervision of the restoration work by a cooperating workshop and immediate repair of the damage
On the spot payment
Immediate compensation for damages up to €2,500, without the submission of any supporting documents
Immediate technical assistance
A specialized network of technicians for immediate damage repair, available 24/7
REWARDS & DISCOUNTS
Generali rewards you with discount on your premium depending on the range and extent of the following:

Fire protection measures

Theft protection measures

Alternative energy sources

Amount of insured capital
RELATED FAQ'S
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