You will find below a brief description of the insurance products we can offer you as part of your business. Do not hesitate to contact us for more information on any product. For each of them, we believe it is essential to work with a wide range of companies. In fact, we always obtain bids from at least 3 companies to offer you the best possible terms in relation to your request.
As a company director, your employees are valuable. Work-related accidents are commonplace and accidents can turn into tragedy if you are not fully prepared. That is why the law requires such insurance from the time you hire the first employee. It covers personal injuries suffered by your employees at the workplace and on the way to work.
Today, companies are increasingly called upon to expand their international reach. Is travel abroad common within your company? Note that this insurance offers a range of exciting options targeting specific business needs. Amongst the range of products offered, each company officer will find a package matching his requirements.
Like your personnel, equipment used for your operations is essential for the smooth running of your business. This contract covers equipment breakdowns specified in the special terms. In the event of unforeseen and sudden damage, this insurance covers the cost of replacement with new equipment.
This is an extra-legal pension benefit provided by a company for its independent director. This is a life insurance policy coupled with guaranteed return and annual variable profit sharing based on insurer’s results. EIP is a tax-advantaged pension savings system for senior management and companies.
In case of damage within 10 years, the constructor is automatically liable. The building owner is not required to prove the fault of the constructor, and the presumption of liability for the constructor is exercised for ten years, hence the name of decennial liability. That is why it is important to take the ten-year policy to cover any major construction-related damage.
Retirement, disability and death inevitably lead to a severe drop in family income. This insurance provides solutions, accompanied by significant tax advantages and privileges related to substantial succession rights. Even if it is a “postponed salary,” the contract subscribed by the employer for the direct benefit of his personnel, namely offers the advantage of being less taxed than wages.
Your building and your equipment are assets that must not be left unprotected. They represent significant investments for the smooth running of your business. However, fire and all other building-related risks are significant to your capital, and threaten your business operations. We recommend you take an excellent insurance policy to protect your commitments, enable workers to quickly return to work, and prevent loss of customers and suppliers.
Do you know that in a work accident, the insurer is legally bound to pay 90% of the guaranteed salary ? And the remaining 10% plus employer social security contributions are paid by the employer ?
A fire is a disaster, especially in the workplace because it impacts your business’ survival. If you have to stop operations, your sales will drop, but your fixed expenses will not. When operations are slowed down as a result of damage covered by your fire insurance, this policy is enforced to hold the company at the financial level it would have been if the accident had not happened: it maintains operating income. You can think of it as your company’s life insurance.
This is the preferred savings method for independent workers. Payments are considered by fiscal authorities as social laws, therefore, they are 100% deductible as business expenses. The only condition for your FAPI to be deductible is to be in line with social laws.
Everyone knows that basically every person must be able to assert his rights. Unfortunately, this right often exists only in theory. This insurance provides a solution to this situation by covering costs arising from legal action filed by or against the insured. As an independent worker or company director, it is extremely important to be protected against any legal threat that can degrade your business.
This insurance tends have insurance companies cover financial consequences inherent to extra-contractual damage caused by the Company to third parties while performing its operations. For this, a good description of the nature of the business is essential; sufficient amounts must be provided for bodily injury, property damage and consequential losses. This insurance is essential and must be a priority.
The company must also pay attention to specific needs such as “entrusted objects” coverage. This insurance covers the liability that the Company may incur as a result of damage caused to third parties from goods delivered or rendered work. It concerns damage after delivery of goods or rendered work. Obviously, covered damage to third parties resulting from delivered objects or rendered work, but not the damage impacting the objects or work themselves.
This involves doctors, physiotherapists, architects, and other similar professionals. Independent professionals must absolutely have personal insurance coverage. These professionals are protected by the Civil Code and Employment Contract Law, but nevertheless remain liable for repeated minor offenses and serious offenses.
This insurance protects you as an independent professional against financial consequences from any claim against you engaging your liability as a result of a professional fault committed in the exercise of your duties as an administrator. It covers past, present and future administrators, general directors, managers, etc. and their heirs or spouses.
This is a compulsory insurance for certain types of infrastructure available to the public. This insurance covers the liability of the operator for damage by fire and explosion. Victims who suffer injuries in these types of facilities may invoke the responsibility of the operator and ask for compensation for bodily injury and property damage incurred, even if the operator is no at fault.
With hospitalisation insurance, your employees already have one less worry during a hospital admission. Today, medical science performs miracles, but these technologies are extremely expensive, and health insurance funds do not cover everything. In case of hospitalisation in Belgium or abroad, this insurance will cover all medical expenses, medications, examinations and holidays. The advantage for companies is that members do not have to complete a medical questionnaire.
If suddenly and unpredictably, your business’ electronic equipment sustains damage or theft, it must be repaired or replaced. This insurance will compensate you based on the new replacement value of a same affected equipment.
All construction projects are prone to risks that need to be covered : amounts involved are often substantial ; many people are involved and their liabilities become difficult to determine if a problem occurs. It seems clear to verify that everything is adequately covered.
An “All risk site” insurance extension covering all your sites from 1 January to 31 December. You will benefit from information from business consulting engineers on construction methods, a valuable aid that can help you avoid future trouble.
This insurance provides coverage for international trade transactions. It covers any damage that may affect goods from their place of shipping to destination. It is strongly recommended that companies needing to insure freight on a regular basis purchase a subscription policy that automatically covers all the goods during the transport.
