Select the areas of your business for which you would like to conclude insurance contracts. Unfortunately, there is no standard insurance product that meets all the needs of any business.
Instructions
Step 1
Enter into a voluntary health insurance contract, according to which employees of your company will be served in selected medical institutions. You can set different conditions of service for different categories of employees employed in your organization, for example, top management can choose from several clinics, and junior employees can be served in one specific clinic.
Step 2
Insure the vehicle fleet of your company. You can issue not only motor third party liability insurance policies, but also CASCO. To reduce the amount of insurance premium for this type of insurance, you can establish an unconditional deductible in the contract - the amount of damage that will not be reimbursed by the insurance company. Some companies collect this amount when an insured event occurs from a negligent driver.
Step 3
Execute a legal entity property insurance contract. You can extend coverage to the building itself, if it is owned or rented, decoration, office equipment and furniture. The main problem when concluding this type of contract is to determine the insurance value of the property. It can be insured based on book value or market value. You can also insure goods that are in a warehouse or in a sales area. Please note that property insurance costs are charged to cost, that is, they reduce the tax base.
Step 4
If your activity involves the risk of harm to someone, insure third party liability or professional liability. Professional liability insurance includes insurance for auditors, tow trucks, dentists, carriers and freight forwarders.
Step 5
Enter into a business interruption risk insurance contract. According to such an agreement, upon the occurrence of an insured event, the insurance company will reimburse you for lost profits and expenses for reducing damage from the event. If you decide to conclude such an insurance contract, contact reliable insurance companies that have experience in settling such insured events.
