COMPANIES / BUSINESSES

Multi-risk Insurance for Companies and Businesses

Protect your assets, your liability and your profits with Generali My Business.

Business Continuity

Loss of Profit

If a loss forces you to close temporarily, we cover your permanent expenses (rents, salaries) or your gross margin so that your business does not stop.

Technology and Machinery

Equipment Breakdown

Repair cover for your machinery, electronic equipment and computers. Includes electrical damage and data recovery on computer media.

Asset Protection (Material Damage)

Your Secure Assets

We cover your premises (building) and your goods (contents/property) against fire, theft, water damage and atmospheric phenomena.. Including breakage of glass, signs and sanitary fittings.

Legal Assistance and Defence

Loss of Profit

ncludes remote and on-site IT assistance, emergency locksmith services, emergency electricity and full legal defence against claims.

Transport of goods

Goods in Transit

Protect your goods during transport, loading and unloading, both in your own vehicles and those of third parties.

Comprehensive Liability

Before Third Parties and Employees

We protect you against claims for damage to customers (Operational liability), accidents to your employees (Employer's liability) and damage caused by your products or post-delivery work.

What is your activity? We recommend key coverages

For your Trade We recommend:

Total protection for your stock and your retail premises.

Theft and Plunder: Including cash on hand and cash in transit.
Breaks: Glass, shop windows, illuminated signs and mirrors.
RC Exploitation: Vital if a customer suffers an accident in your shop.
Paralysis: Daily compensation if you have to close due to a claim.

For Offices and Offices We recommend:

Ensure the continuity of your professional services.

Electronic Equipment: Coverage for computers and servers against internal damage.
Reconstruction of archives: Costs for retrieving vital documents and data.
Professional CR: Errors or omissions in your professional activity.
Computer Assistance: Remote support and data recovery.

For Bars and Restaurants We recommend:

Specific solutions for the Hospitality and Catering Module.

Customer Assets: Coverage for theft of wardrobe and entrusted items.
Food Deterioration: Damage to cold rooms due to electrical failure.
Terraces: Specific civil liability for terrace service.
Amusement machines: Damage to and theft of cash from slot machines.

For Industry and Workshops We recommend:

Protect your machinery and your production process.

Machinery Breakdown: Repair of key machines for your production.
Accidental All Risks: Broad coverage for unforeseen operational events.
RC Products: Protection against damage caused by your products post-delivery.
Employer's CR: Protection against employee accident claims.

Does the insurance cover if the power goes out and the food spoils?

- Yes, through the «Breakage of the cold chain» or «Food spoilage» guarantee, we cover damage caused by a power failure of more than 6 hours or breakdown of the refrigerator..

Are laptops covered if I take them out of the office?

- Yes, through the «Temporarily Dislocated Goods» cover, we cover theft and damage to off-site equipment, even in teleworking situations..

What happens if an employee has an accident at work?

If you have taken out «Employer's Liability», we cover any claims that your employees or their heirs may have against you for personal injury resulting from accidents at work..

Does it cover cash theft?

Yes, we cover theft of money from safes, locked drawers and even robbery (burglary) of employees or customers inside the premises. It is also possible to cover the transport of funds to the bank..

Can you help me to reclaim invoices that my customers are not paying me?

Yes, it is one of the most valued services. Through the Legal Defence guarantee, we include the amicable claim for unpaid invoices (over €600) arising from your activity. We manage the collection so that you can focus on your business.