Business insurance

Assets, employees, liability towards customers and keeping the business running: all of these need the right protection. We start by getting to know your business and assessing the risks that matter most to it.

Two craftsmen examining a wooden frame in a workshop — **Protect what you build every day.**Secure your business and focus on growing it.

Business

The right cover starts with your needs

Business insurance is especially worth considering when:

You are starting a business or opening a new location.
A client or tender conditions require you to have liability insurance.
You are buying machinery, equipment or vehicles for the business.
You employ staff and want to protect both the company and the people in it.
Your business is growing and your current policies no longer reflect its size and nature.

Before we talk

A few questions to start with

To prepare the right offer, we need some information that lets us match the cover to the type of business, its specifics and the risks involved.

What to prepare

Your PKD code (Polish business activity classification) and a short description of the business.
Information about business assets, including the value of premises, machinery, equipment and stock.
Approximate annual turnover and number of employees.
Details of current policies and of any contracts or client requirements that call for insurance.
Details of any claims in recent years, if there were any.

Ready: 0 of 5

What do your business assets include?Premises, machinery, equipment, stock, electronics or cash.
What are you liable for towards others?General business liability, product liability or professional indemnity, depending on what the company does.
What if the business has to stop for a while?Business interruption cover after a loss, such as a fire or flood, including the fixed costs the company still has to pay.
How can you protect your employees?Group insurance and personal accident cover for employees.
Does your business use vehicles or transport goods?Insurance for company vehicles and the goods they carry.

Questions

Frequently asked questions

The answers below are general. The details depend on your policy terms and the type of event, so we look at every case individually.

Is business liability insurance compulsory?

In some professions, liability insurance is compulsory, for example for tax advisers, doctors or estate agents. In other sectors it is voluntary, but clients or tender conditions may require it.

What is business interruption insurance?

It protects the company against the financial consequences of a break in operations caused by an insured loss, such as a fire or flood. It can cover lost profit and the fixed costs the business still has to pay during the downtime. It is usually taken out as an extension of a property policy.

Do you also insure sole traders?

Yes. We match the scope of cover and the sums insured to the type and size of the business, based on what the owner actually needs.