SME Total Package

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.

Environmental damage insurance

Environmental damage insurance is a business insurance that covers the costs of environmental damage. This can be either environmental damage at your own location or environmental damage caused by you to someone else. Environmental damage caused by someone else at your location is also covered. Environmental damage is caused by contaminated fire extinguishing water, asbestos particles, leaking diesel or certain cleaning products containing harmful substances.

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.

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.