Commercial Insurance
Modular protection tailored to your small or medium business
Our modular commercial insurance concept is designed for small and medium-sized businesses. It allows you to flexibly combine different coverage modules, from liability to contents insurance or cyber insurance, protecting your company, your staff, and your premises with a single contract.
Benefits of this insurance
Thanks to the modular building-block system, you choose exactly the coverage blocks your business needs, avoiding overpaying.
Each solution is individually adjusted to your industry, number of employees, and activity risk, with specific solutions for hospitality, retail, and construction.
If your needs or business risks change, you can adjust the contracted modules at any time.
Combine liability, contents and building insurance, cyber insurance, machinery breakdown, electronics, fleet, and group accident coverage in a single policy.
What is covered
Material damage to premises and contents
Covers damage to your furniture, stock, and equipment from fire, water, storm, theft, and other risks.
Third-party liability claims
Protects your business against claims for damages caused to customers, suppliers, or third parties.
Losses from business interruption
Covers financial losses resulting from an interruption of your business activity caused by an insured event.
Additional modules on demand
You can add cyber insurance, machinery insurance, electronics, or group accident coverage according to your business's specific needs.
What is not covered
Risks not included in the contracted modules
Only the risks corresponding to the modules you have actually selected are covered.
Damage from undisclosed gross negligence
As with any commercial insurance, damage caused by serious breaches of agreed safety conditions may be excluded.
Real claim examples
Fire at a retail premises
A small store suffers a fire that damages furniture and stock; the insurance covers replacement and reopening costs.
Liability claim
A customer slips at a premises and suffers an injury; the liability module covers the compensation and legal costs.
Frequently asked questions
What type of business is it suitable for?
It is especially designed for small and medium-sized businesses in sectors such as hospitality, retail, offices, and construction.
Can I start with a few modules and expand later?
Yes, the modular system lets you start with the basic coverage you need and add additional modules as your business grows or your risks change.
Does it include protection against cyberattacks?
Yes, cyber insurance is available as one of the modules you can add to your policy.
What happens if my business changes in size or activity?
You can adjust the contracted modules at any time to reflect the new size, number of employees, or activity of your business.
Want to protect your business with a tailored solution?
Tell us your industry and company size, and we will help you design the ideal combination of modules.
Request free advice