Insurance solutions for Small & Medium Business – Business Sense
Targeted coverage of your business with the assurance of Generali!
Business Sense has been designed for those who want targeted coverage of their business and access to basic covers with a very competitive premium. It provides cover of damage from fire, earthquake, natural disasters, malicious / terrorist activity. Combining the above coverage with the low cost makes it appropriate even for business with mortgages. At the same time, the program consists of basic and optional covers, so you can always adjust it, depending on your changing needs!
Damage due to:
- Boiler damage
- Vehicle impact
- Fall of aircraft
- Fall of trees
- Fire Civil Liability up to 30.000€
- Permit issue expenses and technical design expenses
- Adjustment of insured capital due to increase in consumer cost index.
Damages due to:
- Disruption of public order
- Malicious damage and acts of terrorism
Generali rewards you with discount on the insurance premium, in the following cases:
- if your business makes use of renewable energy sources
- if there have been no claims, during the previous insurance period
- if you maintain other insurance policies at Generali (under same VAT n.)
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Insurance Product Information Document (IPID)
Is Business Dynamic Plus appropriate for my business?
Business Dynamic Plus is specially designed for small and medium sized businesses as well as businesses with mortgages, providing complete protection and coverage flexibility. It offers comprehensive and reliable coverage for their productive and commercial activities. The program is suitable for offices, doctor’s offices, medical diagnostic centers, clinics, hotels, rooms to rent, retail stores, restaurants, cafes, beauty salons, gyms, etc. providing complete coverage at a competitive cost.
Specifically, the program can be purchased by:
- Commercial/ Professional property owners, who use their property for commercial/ professional reasons
- Commercial/ Professional property owners, who lease their property
Tenants of commercial property who wish to insure specific improvements / additions made to the building and its content.
What are the prerequisites for insuring my business?
Businesses to be considered for insurance coverage under this program must possess the necessary license and comply with the mandatory fire safety regulations. If you wish to include theft coverage in your policy, then depending on the type of your business, you must also have additional safety measures, such as security locks & security shutters or security locks & alarm system connected to a security company.
What parts of property are insured via the program?
With Business Dynamic Plus you can insure:
- The building structure and its improvements.
- Secondary structures such as kiosks, fences, walls, swimming pools, signs etc.
- The content such as the equipment and the standard products within the business, materials and objects placed outdoors or under sheds
Based on which items of the above you have, you can tailor your insurance program respectively. Thus securing targeted coverage for your business needs!
For what value are property and commercial products/ items insured?
The property is insured at reconstruction value with new materials of the same specifications (for both the main structure and its improvements), or at replacement value where products and equipment are concerned . Please, bear in mind that when insuring commercial products, the insured value is calculated based on the products’ purchase invoice.
Can I insure my photovoltaic (solar panels) system?
Of course you can! With Business Dynamic Plus, you can insure all the individual elements of your business against any insured risks, as long as you include it in the insured property value. Generali can also offer you an allowance for loss of income, due to energy supply failure caused by the insured risks.
Can I insure the personnel of my business against the occurance of an accident? It is important for them to feel safe and valued by the business.
Of course. One axis of Business Dynamic Plus is Personnel Insurance, which allows you, if you so choose, to insure your employees for accidents that may occur inside or outside the premises of your business. In this manner, expenses are covered for hospitalization & the provision of First Aid services at hospital outpatient clinics, as an Emergency incident, following an accident. Also, financial support is provided in the event of permanent, total disability or death caused by an accident.
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?
Of course. One of Business Dynamic Plus covers is Civil Liability which includes:
- 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
You can choose between two different options regarding the insured capital, so that you can feel secure about the specific amounts that you, as a responsible party, may be required to pay as compensation under the law.
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 if my business cannot operate because of damages incurred?
With Business Dynamic Plus, Generali gives you a daily allowance for each day that the insured business remains non-operational, following damages incurred. You can also choose between three alternative daily allowance amounts, depending on your needs.
What are the main features of Business Dynamic Plus?
Business Dynamic Plus is comprised of a main core of covers designed to provide you with you a comprehensive solution, that safeguards your business from unexpected events that may occur. You have the option:
To add additional covers that truly have value for your business, such as:
- Earthquake: providing for damages that are the direct result of an earthquake or a fire or tsunami or a landslide/ subsidence caused by an earthquake. There is a single premium for all regions of Greece
- Theft / Robbery
You can also choose:
- Different sub-limits for some covers such as e.g. Short-circuiting of Electrical Installations – Electrical and Electronic Devices and Accidental Crystal Breakage
- Different deductible amounts are also available for certain covers such as e.g. Flood – Storm, Snow – Hail – Frost and Leakage, Break or Overflow of Water Pipes and/ or Sprinklers
This way, you create a comprehensive, tailor-made insurance program for your business, based on your individual needs and you configure a premium to your measure.