Business Insurance

• Employers are responsible for the diligent supervision and management of their staff, an accident at work can mean the closure of the company due to the high costs of compensation.
• It includes accidents at work involving employees of the company, workers hired by temporary employment agencies or other employees of the employer such as employees of contractors or subcontractors (Cross Civil Liability).
• This insurance is especially relevant for the construction sector, if you are part of it, read on.

• Health insurance is the social benefit most valued by workers, it is a great tool to improve talent retention, increase productivity and the work environment.
  as well as reducing absenteeism.
• The cost is fully deductible in the company’s corporate income tax as well as other social expenses.
• Access more competitive rates, flexibility, and special conditions depending on the number of insured people, in addition, you can include the direct family members of your employees as well.

Did you know that you can increase the net salary of your employees, without costing your company a single euro?

By using a Flexible Remuneration Plan, your employees benefit from tax advantages on certain products, which increases their wage bill without costing your company any money.
They decide which services to hire, your company allows them to access health insurance, diets, training, transportation, childcare and savings plans.

Improve talent loyalty and retention, making your job offer even more attractive.

Employees, especially the younger generations, demand benefits that go beyond their salary such as flexibility, access to private healthcare, help in saving long-term for their retirement.
It’s your chance.

• You have assistance from the agency in claims, we take care of everything.
• We adapt the coverage you need, you just have to tell us what worries you.
• If you have an electric vehicle, we cover the charging cable against theft or damage.
  Also travel assistance if your battery fails.
• Set up your excess, free choice of workshops, courtesy vehicle, travel around Europe with full assistance coverage and much more.

• It provides financial security for you and your family in the event of accidental situations that may lead to death, permanent disability, health expenses, psychological assistance expenses, hospitalization, among other contingencies.
• If you do water sports such as surfing, kitesurfing, diving, fishing, skiing or jet skiing, we have coverage adapted to your needs, both for medical expenses and civil liability.
• Specific coverage for the practice of sports activities, contact us.

• Did you know that damage caused to the part of the works on which work is carried out is not covered by your civil liability insurance?
• As a builder or installer, you can protect damage caused to the construction site during the execution of your work.
• This insurance covers risks related to the execution of a work, including natural phenomena, workmanship or defective materials.
  It also includes coverage for the post-construction maintenance period.
• It is a temporary insurance that is carried out for each work you do, either as a promoter or contractor.
• It is a useful solution to protect our investment, thus avoiding in the event of a mishap, resorting to mortgages or loans, sometimes necessary to finish the work.
• You can insure a new build, a renovation or a refurbishment.
  In the same policy, all the parties involved can be covered.

• This insurance has similar characteristics and purposes to the All Risk Construction insurance, although it is used to protect assemblies in which metal predominates as a material.
• Risks are covered from the moment the various parts or elements arrive at their destination, the assembly and installation phase, to the subsequent tests for their correct operation.
• Once the assembly and testing phase has been completed, the maintenance guarantee can be contracted.
• It includes coverage for risks related to the execution of the assembly, natural phenomena, defective labor or materials, protection of the machinery and equipment used.
  Among others according to the needs of the work.

• The construction sector is the second industry where the most accidents at work occur in Spain, the compensation for which the company may be responsible can put the continuity of the business at risk, it is important to have adequate protection with sufficient limits.
• Liability coverage for managers and administrators for decisions related to the management of the construction company may be included.
• It covers participation in Temporary Unions or Groups of Companies (UTE).
• It covers sector-specific risks such as damage caused during demolition or demolition, to underground pipes, products and work already delivered, hot work, among others adapted to the needs of each company.