If you are thinking of setting up an SME or already have the project underway, knowing the types of insurance for SMEs This is a question you should keep in mind. First, because by law, you are required to take out a series of mandatory insurance policies, and second, because having the necessary insurance will be very beneficial for both you and your employees.
With this post, we want to help you know what the types of insurance for SMEs that exist, what they mean, and what their characteristics are. Also, if you have questions or want to learn about the best Health insurance Focused on SMEs, at Sanitas we are at your disposal to advise and assist you personally.
Below, we provide an explanation of each of the types of insurance for SMEs, although before proceeding we would like to remind you that There are four aspects that influence in the types of insurance that each company must take out, as well as the cost of the policy, which are as follows:
Thus, depending on the type of activity of the SME, it will be necessary/mandatory to have certain coverages, the most common being the following:
At the same time, there are other types of insurance that, although not mandatory, are highly recommended, such as: health insurance, multi-risk insurance, vehicle insurance, or environmental liability insurance.
Among the types of insurance for SMEs, health insurance is not mandatory, but it is its hiring is strongly recommended, since, if an SME hires this health service, it will bring many benefits both to itself and its employees.
Specifically, offering health insurance to your employees It will serve to build loyalty and improve the company's productivity and performance. In addition, employee turnover is likely to decrease and absenteeism to be reduced, thanks to all the benefits that insurance offers in terms of coverage and services.
Hiring the types of SME insurance necessary for your company will also improve the brand image, show yourself as a socially responsible business; and you will obtain significant tax and economic benefits.
For example, at Sanitas we have two types of insurance for SMEs, Sanitas Digital SMEs y Sanitas Starter for Business, which you can find out about by calling 91 229 85 71 and you will be assisted by our advisors.
With them, companies will have access to the best professionals and medical centers, through a complete, exclusive and top-quality healthcare network, with rates adapted to the characteristics of each company and with the greatest flexibility in the hiring method.
These insurance policies also offer tax and economic advantages, as they allow you to deduct 100% of the cost of this service as a social expense in your corporate tax. These policies also offer tax and economic benefits. promote family conciliation, since all family members can be included, and appointments outside of work hours can be more easily accessed.
This type of insurance for SMEs is mandatory for almost all companies, and is responsible for cover any damages that the contracting business may cause to third parties (material, economic or physical).
Accident insurance is mandatory for all companies that have employees under their charge, and are closely linked to the collective bargaining agreement to which the company belongs. This agreement establishes the coverage and compensation for which the company/insurance company must be responsible in the event of accidents.
The purpose of comprehensive insurance is to cover damage to the company's tangible assets in the event of any threat to the premises (theft, fire, flood, etc.). This way, the business owner can rest easy in such situations and have the guarantee that, if anything happens, the affected assets will be replaced.
This type of insurance for SMEs is only mandatory for companies in the construction sector, and its purpose is cover structural damage caused by defects or flaws, during the 10 years following the completion of the work.
Those companies that require vehicles to carry out their activity should take out some type of insurance for SMEs for vehicles, whether tourism or industrial, since these They will cover any damage that said vehicles may suffer.
This type of insurance for SMEs is completely suitable for companies whose activity may cause damage to their environmentExamples of companies that should purchase this insurance include gas stations, industrial plants, dry cleaners, etc.
In this way, environmental liability insurance covers the damage that these types of companies may cause to the environment, providing compensation for such damage and its repair.
This concludes our contribution, and now that you've read our post, do you know what types of SME insurance your company might need? You are clear that among them you need health insuranceDon't hesitate to contact Sanitas, and we'll help you find the policy that best suits your business.
If you are interested, you can call us or fill out this form, and we'll send you a quote by email as soon as possible, with no obligation.
