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Finish online
14-day cooling-off period
14-day cooling-off period
8.1
Insurance assessment
sme total package

SME Total Package

Calculate the premium for an SME Total package directly!

Finish online
Finish online
14-day cooling-off period
14-day cooling-off period
8.1
Insurance assessment

The SME Total Package is specially designed for SMEs. With this package you insure your company against the most important risks. You can insure different risks through alpina.nl with the SME Total Package. Because every company is different, you can see for yourself which risks you want to insure yourself, your company and your employees.

SME Total Package

When you take out an SME Total Package, you can choose from several insurances for your company, namely:

Building insurance

With building insurance you insure your business premises. This includes damage caused by fire, precipitation, steam, leakage, burglary, falling objects or collision. The insured amount is based on the reinstatement value (repair costs) of the building.

Disability insurance

With disability insurance you ensure an income in case of disability. Your income is protected against the financial consequences of incapacity for work. With this insurance you can limit your income loss and you have more financial security for your business.

Corporate Liability Insurance

If you or one of your employees causes damage to (the belongings of) another person, that person can claim compensation. With the business liability insurance you are insured against these kinds of costs. Both property damage and personal injury are covered. Damage to property is damage due to loss or damage of items. Personal injury is damage caused by injury or death.

Accident insurance

The employee accident insurance insures you against accidents at work and during commuting. If an employee becomes permanently disabled or dies as a result of an accident, this insurance pays out a lump sum. You take out this insurance specifically for your employees. Employees also include hired workers such as trainees and temporary workers.

Legal expenses insurance

With legal expenses insurance for companies you are assured of professional legal assistance when, for example, a difference of opinion, with a customer or the government, leads to a legal problem. You decide for yourself for which legal problems you want to be insured. By default you are insured for legal assistance for the recovery of property damage or personal injury. Disputes concerning the exercise of entrepreneurial activities are also covered. In addition, you can opt for an extra comprehensive variant and you can supplement your legal assistance insurance with the following coverages: agricultural, traffic and debt collection assistance.

Corporate car insurance

All car owners are legally obliged to insure their car from the moment the registration number is registered. This also applies to cars used for business purposes. Third-party insurance is the most important and obligatory part of business car insurance. The abbreviation WA stands for third party liability. This coverage ensures that the damage is compensated to the other party when you are liable.

Which SME insurances do you need?

The insurances you need depend on your situation. The advantage of the SME total package is that you have one point of contact for all business insurances. In addition, the coverage of the various insurances is geared to one another. Therefore there is no overlap between the insurances. When you take out an insurance package, you will benefit from a package discount, which means you will spend less on your business insurances.

Business interruption insurance

Building insurance and inventory and goods insurance cover the direct damage caused by the fire. But the damage was much greater in this case because the clothing shop had to close down temporarily. The loss of turnover was compensated by the consequential loss insurance. How does it work?

  • The business interruption insurance covers lost net profit. This is calculated by averaging past turnover figures.
  • You are entitled to be reimbursed for ongoing fixed costs including the salaries of employees and yourself.
  • You will also receive compensation for additional costs you incur after a fire or other covered disaster. For example, the costs of temporarily renting another building. Or to hire extra staff to help solve the damage. Additional communication costs will also be reimbursed. After all, the insurance company would like to see you earning your own living again quickly.

Communicating changes is important

When you apply for insurance or if you have a claim, you have to answer questions. You must answer these questions honestly. In addition, you should do as much as possible to prevent and limit damage. Report damage as soon as possible! It is also important to inform us of any changes.

Easy calculation and conclusion

You can easily calculate premiums via our website. After entering a few details, a number of insurance policies with the corresponding premiums and policy conditions will appear. You can compare these. If you have found a suitable insurance, you can take out the policy immediately. Are you having problems or do you have any questions? Then you can contact us. You can reach us by telephone on +31 (0)88 - 688 37 12. We will be happy to assist you.

SME Insurances

As an SME, you naturally run business risks. As an entrepreneur, you naturally want to insure yourself against these risks and preferably at the most competitive price . This is possible with Alpina's SME insurance. After all, costs you can save are always a nice bonus. That is why independent insurance specialist Alpina offers you the opportunity to compare business insurance and get the lowest premium. With us you save on average 20% on your insurance premium and we are the specialist when it comes to cheap SME insurance.

All SME insurances in one package? The SME package is known as the most advantageous package for SMEs. This package insures practically all business risks. This package includes insurances for your business premises, inventory, legal assistance and liability.

Customers about Alpina

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8.1
Average score
Based on 3263 reviews
09-03-2022
The Count
Friendly fast answer
11-03-2022
Catelin
N/A
22-02-2022
Ton
despite reporting the damage separately without phone contact, it comes across as customer friendly.
How we work

How does Alpina work?

As an intermediary, we are not part of any insurance company. This means that we have no financial or production obligations to the companies we work with. When comparing insurance, we consider your personal situation and specific wishes regarding coverage. Alpina makes insurance clear and fast.

Money back guarantee! (14 days)

Your insurance enquiry will be assessed quickly, 24 hours a day, 7 days a week. You can then immediately take to the road with peace of mind. You don't have to worry about your old insurance either. You can cancel it with us directly online.

Supervision

Alpina complies with all the legal requirements of the AFM. For example, we have the necessary permits and diplomas and we are affiliated with the Financial Services Complaints Institute (Kifid).

How does Alpina work?

As an intermediary, we are not part of any insurance company. This means that we have no financial or production obligations to the companies we work with. When comparing insurance, we consider your personal situation and specific wishes regarding coverage. Alpina makes insurance clear and fast.

Money back guarantee! (14 days)

Your insurance enquiry will be assessed quickly, 24 hours a day, 7 days a week. You can then immediately take to the road with peace of mind. You don't have to worry about your old insurance either. You can cancel it with us directly online.

Alpina complies with all the legal requirements of the AFM. For example, we have the necessary permits and diplomas and we are affiliated with the Financial Services Complaints Institute (Kifid).

Calculate the premium for an SME Total package directly!

How do we do it?

Last updated: 27-07-2022

Financially certainly.

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