{"id":1664,"date":"2024-05-22T16:55:38","date_gmt":"2024-05-22T14:55:38","guid":{"rendered":"http:\/\/prospector.com.pl\/obszar\/ubezpieczenia-specjalistyczne\/"},"modified":"2024-08-25T21:17:34","modified_gmt":"2024-08-25T19:17:34","slug":"ubezpieczenia-specjalistyczne","status":"publish","type":"area_of_acitivies","link":"http:\/\/prospector.com.pl\/en\/obszar\/ubezpieczenia-specjalistyczne\/","title":{"rendered":"Specialty insurance"},"content":{"rendered":"\t<section class=\"hero-section wow fadeInDown \" id=\"block_70efa97926c36d8743328a6e5eb4bf1c\">\n\t\t\t\t<img decoding=\"async\" src=\"http:\/\/prospector.com.pl\/wp-content\/uploads\/2024\/06\/slider-obszary-specjalistyczne-1246x752px.png\" alt=\"Zarz\u0105d\" class=\"hero-section__image\" \/>\n\t\t\t\t\t\t<div class=\"hero-section__caption   wow fadeInDown\">\n\t\t\t\t\t\t<h2 class=\"wow fadeInDown\">\n\t\t\t\t\t\t\t\t<span class=\"font-smaller\">Fields of activity<\/span>\n\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t\t<div class=\"hero-section__subtitle wow fadeInDown\">\n\t\t\t\tSpecialty<br \/>\r\ninsurance\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\t<div class=\"breadcrumbs-wrapper\">\n\t<ul class=\"breadcrumb wow fadeInDown\">\t\t\t<li class=\"home\">\n\t\t\t\t<a href=\"http:\/\/prospector.com.pl\/en\/\">\n\t\t\t\t\t<i class=\"home-icon\">\n\t\t\t\t\t\t<svg id=\"b034ad3d-2571-46a4-8421-20b5411a1cdc\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 131 135.11\"><path class=\"b4d62a81-6103-4667-8d41-febd7700d4c9\" d=\"M65.5,10a6.39,6.39,0,0,1,4,1.36l49.07,38.22A6.39,6.39,0,0,1,121,54.66v64a6.44,6.44,0,0,1-6.43,6.43H16.43A6.44,6.44,0,0,1,10,118.68v-64a6.39,6.39,0,0,1,2.48-5.08L61.55,11.36a6.39,6.39,0,0,1,4-1.36m0-10A16.44,16.44,0,0,0,55.4,3.47L6.33,41.69A16.47,16.47,0,0,0,0,54.66v64a16.44,16.44,0,0,0,16.43,16.43h98.14A16.44,16.44,0,0,0,131,118.68v-64a16.47,16.47,0,0,0-6.33-13L75.6,3.47A16.44,16.44,0,0,0,65.5,0Z\"\/><\/svg>\n\t\t\t\t\t<\/i>\n\t\t\t\t<\/a>\n\t\t\t<\/li>\n\t\t\t<\/ul><\/div>\n\n<section class=\"home-info-section home-info-section--style-9 \" id=\"block_dd308e5deee9d699fca642f36f1ef3c4\">\n\t<div class=\"row home-info-section__heading\">\n\t\t<div class=\"heading__title col-12 col-xl-3 col-xxl-5\">\n\t\t<\/div>\n\t\t\t\t<div class=\"heading__description col-12 col-xl-9 col-xxl-7 wow fadeInDown\">\n\t\t\t\t\t\t\t<div class=\"line line--1\">Brokers are guides in insurance world<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<div class=\"row home-info-section__description wow fadeInDown\">\n\t\t\t\t<div class=\"description__column col-12  wow fadeInDown\">\n\t\t\t<div class=\"column__inner \">\n\t\t\t\t<p style=\"font-weight: 400;\">The rapid development of technology, the volatility of the business environment and the increase in regulatory and legal requirements are exposing organisations and their managers to increasing risks. Some of these risks can be reduced by selecting the right insurance policy. Below are some of the specialised insurance solutions we have implemented with our clients.<\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t<\/section>\n\n\n<section class=\"home-info-section home-info-section--style-10 \" id=\"block_018edded49d485d1771950c33e463f32\">\n\t\t<div class=\"row home-info-section__description wow fadeInDown\">\n\t\t\t\t<div class=\"description__column col-12  wow fadeInDown\">\n\t\t\t<div class=\"column__inner \">\n\t\t\t\t<p style=\"font-weight: 400;\"><strong>Cyber insurance<\/strong><\/p>\n<p style=\"font-weight: 400;\">Cyber risks are increasingly complex: hackers, malware, dishonest employees, inadequate levels of control by the IT department, employee errors, etc. And the consequences of an attack in the cyber space are extremely severe, such as losses due to business disruption or loss of reputation. In addition, cyber incidents involve additional costs, such as hiring IT forensics specialists, restoring lost data, legal defence, compensation for loss of personal data or disclosure of commercial information. Another consequence of data leakage can be administrative penalties for violations of data protection law.<\/p>\n<p style=\"font-weight: 400;\">Precautionary organisations are therefore increasingly using a tailored cyber policy as part of their enterprise risk management. This is a type of insurance that provides support in the event of damage and protection against the financial consequences.<\/p>\n<p style=\"font-weight: 400;\"><strong>\u00a0<\/strong><\/p>\n<p style=\"font-weight: 400;\"><strong>Fiscal penal liability insurance<\/strong><\/p>\n<p style=\"font-weight: 400;\">The tax system in Poland changes extremely frequently. The rules of VAT have been amended 90 times in the last dozen or so years, and those of CIT as many as 240 times. This rate of change makes it easy to make a mistake in interpreting the rules, and unfortunately this is followed by personal penalties and financial consequences for those who perform or supervise accounting activities. The insurance market offers effective protection against these consequences by offering criminal tax insurance. It can be concluded that every board member, CFO or employee responsible for submitting applications and accounting for public aid, who is aware of the risk of criminal tax liability, should have such protection.<\/p>\n<p style=\"font-weight: 400;\"><strong>\u00a0<\/strong><strong>Directors and officers liability insurance &#8211; D&amp;O<\/strong><\/p>\n<p style=\"font-weight: 400;\">Management board members have a duty to run the company&#8217;s affairs with the greatest care and are therefore responsible for the company. In addition, if enforcement against the company proves unsuccessful, board members may be held jointly and severally liable for the company&#8217;s liabilities. Therefore, having insurance to protect board members against the financial consequences of their liability towards the company, its creditors, shareholders or the tax office seems even necessary. An insurance policy dedicated to this risk is the Directors and Officers (D&amp;O) policy.<\/p>\n<p style=\"font-weight: 400;\">The main objective of D&amp;O insurance is to provide protection for company authorities. Coverage includes members of the management board and supervisory board, proxies, employees performing management functions, persons responsible for the accounts and their heirs and spouses. In addition, the policy protects the company itself in respect of securities claims.<\/p>\n<p style=\"font-weight: 400;\"><strong>Affinity insurance programmes<\/strong><\/p>\n<p style=\"font-weight: 400;\">For our clients, we create programmes that use insurance to make the product the company sells more attractive or to generate additional revenue. This is done by adding suitably selected insurance to the products of a brand. The policy offered with the product:<\/p>\n<ul>\n<li>provides added value to the buyer of the product, which increases its attractiveness and supports sales, or<\/li>\n<li>allows the distributor to realise additional margin on insurance sales.<\/li>\n<\/ul>\n<p style=\"font-weight: 400;\">We have the IT infrastructure to support this type of programme.<\/p>\n<p style=\"font-weight: 400;\"><a href=\"http:\/\/prospector.com.pl\/en\/kontakt\/\">Feel free to contact us!<\/a> Let&#8217;s arrange a call, find out your needs and see how we can help.<\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t<\/section>\n\n<section class=\"area-of-acitivies \" id=\"block_eb117a8e82260ff17174b7213ef65598\">\n\t\t<div class=\"area-of-acitivies__heading row\">\n\t\t<div class=\"col-12 wow fadeInDown\">\n\t\t\t<h3>Other fields of activity<\/h3>\n\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"row area-of-acitivies__inner\">\n\t\t\t\t\t<div class=\"col-12 col-lg-6 item wow fadeInDown\">\n\t\t\t\t<div class=\"item__inner\">\n\t\t\t\t\t<div class=\"item__heading\">\n\t\t\t\t\t\t<div class=\"item__icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"http:\/\/prospector.com.pl\/wp-content\/uploads\/2024\/05\/area-activity-icon-1.png\" alt=\"Employee benefits Medical care\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"item__title\">\n\t\t\t\t\t\t\t<a href=\"http:\/\/prospector.com.pl\/en\/obszar\/benefity-pracownicze-prywatna-opieka-medyczna\/\">\n\t\t\t\t\t\t\t\tEmployee benefits<br>Medical care\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"item__description\">\n\t\t\t\t\t\t<p>Protecting the life and health of employees plays an important role in the human resources management of any company. PROSPECTOR has been helping employers for many years to create programmes aimed at improving the health and safeguarding employees and their loved ones in difficult situations of illness, accident or death.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"item__readmore\">\n\t\t\t\t\t\t<a href=\"http:\/\/prospector.com.pl\/en\/obszar\/benefity-pracownicze-prywatna-opieka-medyczna\/\" class=\"button\">more<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"col-12 col-lg-6 item wow fadeInDown\">\n\t\t\t\t<div class=\"item__inner\">\n\t\t\t\t\t<div class=\"item__heading\">\n\t\t\t\t\t\t<div class=\"item__icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"http:\/\/prospector.com.pl\/wp-content\/uploads\/2024\/05\/area-activity-icon-2.png\" alt=\"Corporate Insurance\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"item__title\">\n\t\t\t\t\t\t\t<a href=\"http:\/\/prospector.com.pl\/en\/obszar\/ubezpieczenia-firm\/\">\n\t\t\t\t\t\t\t\tCorporate Insurance\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"item__description\">\n\t\t\t\t\t\t<p>We understand well that every company is different and has unique insurance needs. That is why we take an individual approach to each client to ensure the best possible protection.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"item__readmore\">\n\t\t\t\t\t\t<a href=\"http:\/\/prospector.com.pl\/en\/obszar\/ubezpieczenia-firm\/\" class=\"button\">more<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"col-12 col-lg-6 item wow fadeInDown\">\n\t\t\t\t<div class=\"item__inner\">\n\t\t\t\t\t<div class=\"item__heading\">\n\t\t\t\t\t\t<div class=\"item__icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"http:\/\/prospector.com.pl\/wp-content\/uploads\/2024\/05\/area-activity-icon-3.png\" alt=\"Public sector insurance\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"item__title\">\n\t\t\t\t\t\t\t<a href=\"http:\/\/prospector.com.pl\/en\/obszar\/zamowienia-publiczne-na-ubezpieczenia\/\">\n\t\t\t\t\t\t\t\tPublic sector insurance tenders\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"item__description\">\n\t\t\t\t\t\t<p>PROSPECTOR has many years of experience in dealing with entities in the public finance sector.<br \/>\nWe have participated in numerous public procurement procedures for the insurance of property, vehicles, civil liability, group life insurance for employees or medical care.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"item__readmore\">\n\t\t\t\t\t\t<a href=\"http:\/\/prospector.com.pl\/en\/obszar\/zamowienia-publiczne-na-ubezpieczenia\/\" class=\"button\">more<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"col-12 col-lg-6 item wow fadeInDown\">\n\t\t\t\t<div class=\"item__inner\">\n\t\t\t\t\t<div class=\"item__heading\">\n\t\t\t\t\t\t<div class=\"item__icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"http:\/\/prospector.com.pl\/wp-content\/uploads\/2024\/05\/area-activity-icon-4.png\" alt=\"Trade credit insurance\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"item__title\">\n\t\t\t\t\t\t\t<a href=\"http:\/\/prospector.com.pl\/en\/obszar\/ubezpieczenia-kredytu-kupieckiego\/\">\n\t\t\t\t\t\t\t\tTrade credit insurance\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"item__description\">\n\t\t\t\t\t\t<p>Trade credit insurance is a type of insurance policy that protects a company against losses resulting from unpaid invoices by counterparties. Whether contractors suddenly go bankrupt or simply refuse to pay for deliveries, receivables insurance can safeguard a company&#8217;s finances.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"item__readmore\">\n\t\t\t\t\t\t<a href=\"http:\/\/prospector.com.pl\/en\/obszar\/ubezpieczenia-kredytu-kupieckiego\/\" class=\"button\">more<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"col-12 col-lg-6 item wow fadeInDown\">\n\t\t\t\t<div class=\"item__inner\">\n\t\t\t\t\t<div class=\"item__heading\">\n\t\t\t\t\t\t<div class=\"item__icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"http:\/\/prospector.com.pl\/wp-content\/uploads\/2024\/05\/area-activity-icon-6.png\" alt=\"Construction industry\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"item__title\">\n\t\t\t\t\t\t\t<a href=\"http:\/\/prospector.com.pl\/en\/obszar\/ubezpieczenia-w-branzy-budowlanej\/\">\n\t\t\t\t\t\t\t\tConstruction industry\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"item__description\">\n\t\t\t\t\t\t<p>In the construction industry, due to the large number and scale of risks, as well as the frequency of loss events and their financial consequences, it is crucial to have adequate insurance solutions in place. These include property, liability, life and health insurance for employees and insurance guarantees.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"item__readmore\">\n\t\t\t\t\t\t<a href=\"http:\/\/prospector.com.pl\/en\/obszar\/ubezpieczenia-w-branzy-budowlanej\/\" class=\"button\">more<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/section>\n","protected":false},"featured_media":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1664","area_of_acitivies","type-area_of_acitivies","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"http:\/\/prospector.com.pl\/en\/wp-json\/wp\/v2\/area_of_acitivies\/1664","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/prospector.com.pl\/en\/wp-json\/wp\/v2\/area_of_acitivies"}],"about":[{"href":"http:\/\/prospector.com.pl\/en\/wp-json\/wp\/v2\/types\/area_of_acitivies"}],"version-history":[{"count":3,"href":"http:\/\/prospector.com.pl\/en\/wp-json\/wp\/v2\/area_of_acitivies\/1664\/revisions"}],"predecessor-version":[{"id":1891,"href":"http:\/\/prospector.com.pl\/en\/wp-json\/wp\/v2\/area_of_acitivies\/1664\/revisions\/1891"}],"wp:attachment":[{"href":"http:\/\/prospector.com.pl\/en\/wp-json\/wp\/v2\/media?parent=1664"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}