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General Insurance

Vehicle fleets

If you have a large number of vehicles in your company, we offer you the possibility of contracting a fleet policy, being able to give each one the coverage adapted to its specific needs.

Transportation

We know that your goods and/or products that you have in your warehouse are well controlled, well stowed and covered by a multi-risk insurance. However, do you know if they arrive correctly and in good condition to your customer? Do you know what mechanisms exist to cover these transports?

Environmental Liability

In 2007, Law 26/2007 of October 23, 2007 on Environmental Responsibility was created with the aim of regulating the responsibility of operators to prevent, avoid and repair environmental damage in accordance with Article 45 of the Constitution and with the principles of “the polluter pays and repairs”.

General Liability

Every business activity involves assuming certain liability risks with respect to third parties. Be it for the ownership of an asset, for a service rendered or for a product supplied. In the latter case, Product Recall Expenses coverage comes into play. Without it, the consequences for the company’s image and economic situation can be very serious.

All Risks Property Damage

Property damage insurance is not only for those damages that we know may happen, but also for those incidents that we do not know will happen. It is the difference between a Multi-Risk (commercial, SME or large company) and an All Risks Property Damage (TRDM). The former covers everything that is indicated in the policy. The second one covers what the first one covers, plus everything that is sudden and accidental and that we do not know could happen.

Specific Insurance

Hot Air Balloons

Our home town, Igualada, has a great tradition in the hot air balloon sector. Here you can find manufacturers, management and flight companies and companies that offer services to the sector itself. In the same way, every year the European Ballon Festival is held, one of the main balloon concentrations at European level.

Flexible compensation

Flexible compensation, or emotional pay, is a concept associated with an employee’s compensation that includes non-financial issues, the purpose of which is to satisfy the personal, family and professional needs of the employee, improving his or her quality of life and promoting work-life balance. This type of compensation can act as a “motivating factor” for employees and thus improve their opinion of the company.

Expatriates

More and more companies are opting for internationalization and a greater presence in other countries. As a consequence, there has been an increase in the number of transfers and displacements of workers abroad. Expatriates are those workers who provide a temporary or permanent service for the company outside their country of origin.

Cyber

Companies are evolving and with it the type of risk to which they are exposed is also changing. In the 21st century, one of the biggest threats is online and it is called cyber risk. The cyber world may seem complex and many companies, especially SMEs, may think that they are not in the crosshairs of cybercriminals.

Managers and administrators

A strategic decision, a lack of compliance with certain legislation, an unfair internal legislation policy, the simple approval of the annual accounts, are situations that may pose a risk for the administrator, manager or director of the companies. They may find themselves in the position of having to face lawsuits against them that may jeopardize their personal assets or even the viability of the company they manage.

Credit risk

Credit insurance is currently the most effective tool for managing commercial risk and the inconveniences derived from non-payment of commercial credits. Not only the non-payment of these and the expenses that this generates, but also a whole series of additional services:

Loss of profits

Loss of Profit is perhaps the coverage that truly guarantees the continuity and viability of the company. On many occasions, the interruption is even more damaging than the loss itself.

Comprehensive Business Coverage

Self-employed

Startups

International Program

AIG

Multiriesgo

902 012 476

Cyberiesgo

914 381 284