What does corona mean for your business insurance
You cannot insure your company against corona, but you can make sure that your company is very well protected. You can do this by taking all safety measures and by having your insurance in order. We list the most important business insurances for you. So you can check whether your insurances are still coronaproof.
Match your business liability insurance with other activities
Business liability insurance (AVB) covers all damages your business causes to others. The premium also depends on the type of work your company does. Therefore, it is important to inform us of any changes in the nature of your business. If you decide to radically change course because of corona, your premium might be adjusted. You don't want to pay too much premium, but you also don't want to be underinsured.
Temporary changes, or work that is an extension of your business, are insured. For example, if you own a restaurant and you now also deliver meals to your home, then with business liability insurance you are simply insured for anything you (oops!) knock over or damage at your customer's house.
You cannot use the AVB for damages incurred by the customer because you fail to deliver an order on time because of corona. The AVB is there only for damage to things.
Always help with legal expenses insurance
With legal expenses insurance, your company is assured of legal assistance in the event of a legal dispute with customers, suppliers or employees. For example, if a customer suddenly cancels an order because of corona, you can challenge this decision without high costs and a lot of hassle.
If your company has to close down temporarily because of coronagraph measures and you do not agree, then unfortunately you cannot use legal assistance insurance. It is a lawful measure that can be imposed from the government.
Company stock insurance continues even if everyone works from home
Business property insurance insures your office, store or premises against damage caused by fire, storm, burglary or water. It is an important insurance because the costs of these damages are often very high. Even if your business premises are temporarily not or hardly used, for example because your employees are working from home, you continue to pay the premium for this. Of course, anything can also happen when no one is there.
Much or little inventory is important for inventory and property insurance
During a fire or storm, your inventory, machinery and stored raw materials and supplies can be severely damaged or completely destroyed. This insurance covers the damage but also the cost to mitigate the damage. Do you have much less inventory or more because of corona? Then it is wise to contact us.
Absenteeism insurance, also at corona
Absenteeism insurance, also known as sick leave insurance, insures your company for the continued payment of wages of sick employees. It doesn't matter what kind of illness someone has, so if someone is sick for a long time because of severe corona, this insurance is very nice. Employees who stay home because of (mandatory) quarantine are not covered by this insurance. Absenteeism insurance is your company's protection.
Business insurance from Alpina
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