Starting a business involves a great deal of responsibility and also entails taking risks, but those risks can be backed up by having a good insurance company on hand. A relationship between companies that, truly, should be mandatory for certain matters.
Are you interested in knowing exactly What is SME insurance?In this post, we help you understand the importance of these policies for small and medium-sized businesses, as well as the types of insurance available.
This type of insurance or policies are characterized by supporting small and medium-sized businesses, so that they are supported against certain risks.
Dangers that can range from fires or floods to work accidents or thefts, among many other things, and These problems are much more damaging and more difficult for SMEs to address. than by large companies. Hence the existence of various insurance policies for SMEs designed to preserve their security.
The truth is that SMEs They must take out a series of insurance policies on a mandatory basis, in order to guarantee its protection against accidents. This way, the company will have greater support and can grow with the security of having the help of its insurance company.
But we will deal with this question about compulsory insurance later, because first you should know, in addition to what insurance for SMEs is, the factors that influence the types of policies to take out for each company and their cost:
Likewise, regardless of the obligation, Having insurance for SMEs is synonymous with peace of mind and, in part, can mean the difference between a company's downfall or survival.
Before indicating the insurance for SMEs of mandatory hiring, it should be noted that not all professional activities are subject to it and that the aforementioned factors will be taken into account.
Have you already informed yourself about which insurance policies you must purchase? If not, we'll tell you which ones are required below. types of insurance for SMEs most common and important:
With this policy Damages that the insured may cause to third parties are covered, whether material, economic, or physical damage. This is almost mandatory for most companies, and even for those that aren't, it's highly recommended to obtain one, especially for direct customer service.
In this Mandatory insurance for all SMEs that employ employees, and falls within the collective agreement insurance, as it is linked to the collective agreement of the sector to which each business belongs.
This policy is of a nature mandatory for those construction or development companies, in order to respond to possible construction defects that may appear in a structure during the first ten years after its construction, hence its name.
While this insurance is not mandatory for SMEs, it is highly recommended, especially for companies with premises or offices, as it covers damage or potential theft that may occur at the facilities.
These are fixed-rate insurance policies, and with them, the business owner can rest assured that, in any case, the property or parts of the property affected by the incident will be replaced.
Are you already clear on what SME insurance is? So, would you be able to identify the advantages of these policies for these companies? We've already explained them implicitly, but we'd like to emphasize their benefits in this section:
For instance, take out health insurance by an SME reports many benefits, both for itself and its employees. Offering health insurance to employees will facilitate productivity and performance in the company, and employees will be more likely to be loyal.
Turnover is likely to decrease, and, furthermore, thanks to all the benefits offered by insurance in terms of coverage and services, absenteeism will be reduced.
In general, the company's image will improve, by showing itself as a socially responsible businessAnd you'll gain significant tax and economic benefits, such as the opportunity to deduct 100% of the cost of this service as an expense in your corporate tax return.
To understand what SME insurance is and, specifically, what policies your company needs, you'll find the best information from insurance advisors. Therefore, the first step you should take is to research which insurance companies are trustworthy.
Also It is crucial that you are clear about the risks and threats to which your business is exposed. Secondly, we'll contact the insurance company. The professional who assists you will be responsible for answering all your questions and providing answers about the terms of your future policy, but to do so, they'll need information from you.
Having a professional advisor to guide and help you throughout the entire process will be crucial for you to understand everything you need to do, For this reason, insurers usually focus a large part of their efforts on training their employee advisors., in order to guarantee the satisfaction of the insured.
Now that you understand what SME insurance is, as well as other basic questions, are you clearer about the next step in launching your future business?
Knowing that you have chosen a good one insurance company for SMEs, capable of offering you a comprehensive and affordable policy, will be the key to success. At Sanitas, we want to help you, and that's why we offer insurance for SMEs that will help improve the performance and operation of your company, while taking care of the health of your employees.
To achieve this, we have among our services Sanitas Digital SMEs, which guarantees comprehensive health coverage and the greatest possible facilities for employees to comfortably balance their work and daily routine.
Both you and your future employees will have access to general coverage (primary medicine, general medicine, pediatrics, ATS and emergency services) as well as access to all medical specialties without restrictions.
Also diagnostic tests will be covered that the employee may need, hospitalization (admission and stay) and therapeutic methods, such as: rehabilitation sessions, respiratory treatments, oncological treatments, etc.
Likewise, Sanitas Pymes Digital includes medical assistance for traffic accidents and work accidents, without limits and without you having to do more paperwork than necessary.
You can get all the information you need, as well as the most complete advice, calling 91 229 85 71If you are interested, you can also fill out the form available at this link and we will send you a quote by email as soon as possible.
