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Cogesa
Insurance for Businesses, SMEs and Individuals
Insurance for businesses, SMEs and individuals
Insurance for Large Companies
Multinational companies and corporations manage highly complex legal, operational, and financial risks. Their policies are typically fully customized.
- Directors' and Officers' (D&O) Civil Liability: Protects the personal assets of executives against claims for management decisions.
- Corporate Cyber Insurance: Mitigates losses of millions of dollars due to cyberattacks, massive data theft, and system paralysis.
- Industrial Multi-Risk: Covers material damage to factories, warehouses, and facilities due to fire or breakdowns of heavy machinery.
- Business Interruption Insurance: Compensates for the profit margin the company loses if it must cease operations due to a loss.
- Credit and Surety Insurance: Guarantees payment for sales against non-payment by major clients or business bankruptcies.
Insurance for SMEs
For small and medium-sized enterprises, the priority is to ensure business continuity with controlled costs.
- General Liability: Mandatory or highly necessary coverage to cover material or personal damages caused to third parties during commercial activity.
- Collective Bargaining Agreement Accident Insurance: Required by law if the company has employees covered by a collective bargaining agreement.
- Commercial/SME Multi-Risk Insurance: Protects both the premises (building) and the inventory, furniture, and computers (contents) against theft, fire, or flooding.
- Professional Liability Insurance: Specifically for offices, consultants, or healthcare professionals where a technical error or omission could financially harm the client.
Personal Insurance
Its purpose is to safeguard family health, mobility, and private assets.
- Car Insurance: Available in third-party liability (required by law) or comprehensive coverage options for private vehicles.
- Home Insurance: Covers damage to the home from leaks, fire, or theft. It is mandatory if there is a mortgage on the property.
- Health Insurance: Access to private healthcare, specialists, and medical tests without waiting lists.
- Life and Accident Insurance: Guarantees financial stability or debt repayment (such as mortgages) to immediate family members in case of death or disability.
Insurance for Businesses, SMEs and Individuals
Cogesa · General
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