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.

In insuring a company, it is very important to take a comprehensive approach to the entire spectrum of risks to which it is exposed. So as not to unnecessarily duplicate certain coverages and at the same time not to leave unexpected gaps in protection despite having multiple policies. With many years of experience in insuring entities from different industries and with different specificities: manufacturing, service and commercial companies, we effectively help our clients to optimise their risk management. In order to prepare adequate, tailor-made solutions, we get to know the company in detail, carry out a vetting and audit of the current insurance cover before developing the insurance programme. We take into account the way the company operates, its environment, the types of property held, liabilities, potential exposures and the consequences of any business interruption caused by a loss.

For optimum protection, we use various types of insurance, appropriately tailored to the client’s specific conditions.

In the case of basic insurance of property against accidents and theft, we usually recommend selecting the all risks formula, i.e. the broadest coverage. We pay attention to the appropriate setting of the sum insured, so that it is sufficient to restore the property in the event of damage – very important in times of inflation and large price increases on the construction market. We also find solutions for difficult fire risks, unwanted by insurers.

For complete protection of electronic devices, such as servers, laptops and mobile phones, specialist electronics insurance is best. It covers, among other things, surges, carelessness in handling, defects after the warranty period, damage to portable equipment (e.g. theft from a car, dropping), as well as the restoration of lost data and programmes.

Machinery and process plant is best protected by dedicated machinery and plant breakdown insurance. It will protect, among other things, in the event of installation or operating errors, failure of safety, signalling or control and measurement devices, excessive pressure, electrical damage, parts coming loose or a foreign body entering the machine.

As a complementary addition to property insurance, especially for manufacturing companies, we offer loss of profit insurance – the so-called Business Interruption (BI) – which ensures the stabilisation of the financial situation in the event of a business interruption caused by a fortuitous event. The BI policy, while the company is recovering from property damage and business interruption, covers fixed costs (such as payroll fund, loan and lease instalments, rents, rent, utilities) and increased operating costs resulting from the damage (e.g. relocation of production to another location, overtime work), allowing production continuity and markets to be maintained.

When transporting goods, it is a good idea to take out transport insurance, i.e. cargo insurance. The insurance may cover both own transport and transport carried out by professional carriers, both domestic and international, and may apply to road, rail, air and sea transport. An own cargo policy is necessary even if we only outsource transport to professional carriers with carrier liability insurance, as it will not protect our goods against accidents.

Sometimes fleet insurance poses a major financial and organisational challenge for the company: unbalanced periods, different insurers, high claims frequency. Our fleet service supports the customer throughout the entire process of fleet management (own and leased), helping to improve individual elements and reduce costs.

Even a small company can cause a large amount of damage. Growing public awareness is resulting in a steady increase in the number and value of various claims arising from broadly defined third-party liability. We minimise the financial effects of the risk of conducted business activity thanks to appropriately selected third party liability (OC) insurance connected, among other things, with owning property, executing a contract, introducing a product into the market, conducting professional activity. When preparing third-party insurance programmes, we take care to provide for necessary extensions of coverage resulting from the nature of the entity’s business, such as liability of the employer, lessee, mutual parties to a contract, subcontractors, environmental damage, pure financial loss or product recall.

A description of additional state-of-the-art insurance for companies, such as cyber, directors’ and officers’ liability, punitive damages and affinity programmes, can be found here.

You can read about commercial receivables insurance here.

And on how best to take care of key employee benefits, you can read here.

In each case, our team of experienced experts provides:

• identifying and assessing risks,
• development of a comprehensive insurance programme tailored to the specific needs of the client,
• a broad overview of market opportunities and negotiation of favourable insurance terms and conditions,
• ongoing support and advice on insurance matters.

The use of our consultancy does not involve any additional cost, as, according to common practice and applicable law, brokerage services are free of charge for the policyholder. The broker’s fee is included in the insurance premium.

You are welcome to contact us! We will arrange an interview, get to know your needs and see how we can help.