We know that Reassuring basa not the bulk of their clients in the corporate segment, however, we are sure that many of our customers are small businesses, entrepreneurs and freelancers willing to know more about the risks their companies and how minimize, or transfer.

The first branch to be considered, as in personal lines is Cars. In this case, small businesses tend to ensure small fleets of cars and / or vans for personal use (the entrepreneur’s private car, family or managers), and commercial such as vans or cars to visit. For this type of insurance companies offer the same coverage in the field of personal lines (compulsory liability insurance, damage and theft of the car body and extended producer responsibility). The main difference lies in how tarificar (to price) the combination of vehicles or fleet.

The second focus that an employer should take to protect your business is to protect their properties here include business offices, and any factory or warehouse, eventually also include any floor or desk that takes into investment property. It is important that employers do not assume that their commercial policies also cover personal property as the source of the risk itself is completely different.

The third focus that attention should be given the employer is the multi-risk insurance, it usually includes coverage of general and professional liability, and also protects certain properties of the company. Responds to general liability risks arising from:

A) damage caused to employees by practicing in the firm

B) damage caused to customers buying the product or service (eg, poisoning etc.) On professional responsibility, it’s normally associate with the responsibility of practitioners of medicine while they practice. Such policies are more complex and expensive since they depend largely on the activity of the company. It is important that an employer is aware that risk reduction measures can clearly influence the final price of the policy. For example, the company has published some processes or extraordinary security measures may reduce the cost of the premium plus 20%.

A classic example is the health insurance and employer must protect employees against disease, covering the costs of hospitalization, surgery, recovery costs and mediation and so on. The cross of this coin, called workers’compensation (compensation policy to dependents of workers), common insurance in the U.S., insurance is not common in Spain and their warranties are covered by the State itself normally.

Finally, recent trends do we talk about D & O: Directors and Officers or directors and directors. This is a type of liability insurance against claims from third parties for the mismanagement of the company. This type of insurance, although not widespread in Spain, begins to take handle criticism in Anglo-Saxon countries. In our country, D & O is usually purchased by large companies and multinationals to protect their directors to the decisions they make in their management, especially in the current crisis management.

The total amount of these policies for a small business will vary greatly depending on industry and size of it, overall cost too much should not exceed 0.5% of their income. The latest trends in this type of Anglo-Saxon companies is that, as has happened in personal lines insurance market these increasingly through comparators online and Aseguring. From Aseguring we are constantly analyzing these trends to be prepared to offer our customers all types of insurance …