Damage to the company's property We propose an insurance that groups a series of guarantees in order to protect the goods: (i) the property (Mainland) and (ii) the furniture, the industrial tyren and the stocks (Content). Coverage of the following contingencies: fire, explosion, water damage, storms, hail, snow, theft, vandalism, glass breakage, machinery breakdown, catastrophic risks, acts of terrorism, etc. These contingencies are covered in the Business Multi-Risk Insurance Policy (the risks covered are named) or in a Business All Risk Policy (which guarantees all risks except those excluded in the Policy). The loss of profits guarantee can be included as an option for permanent general expenses or loss of profits in the event of interruption of activity resulting from a guaranteed claim. Cyber-risks The guarantees proposed by insurers in case of cyber-attack generally cover damage, loss, theft of computer data and denial of service, caused by malicious computer acts, malicious codes, manipulation errors or cyber extortion, as well as the interruption of the business and the civil liability of the company towards third parties. Civil liability of the company We advise you on the guarantees and insured capital adapted to your sector of activity to guarantee bodily, material or immaterial damage caused to third parties. The main risks and guarantees to be covered according to your company's profile are: • Damage to third parties: the liability guarantee covers the financial consequences of damage caused to third parties in the development of the declared activity. • Damages derived from a fire, explosion and water damage: this is the civil liability guarantee as occupant of the premises guaranteeing the damages caused to third parties (neighbours and third parties) as owner (civil liability as owner of the property) or tenant (rental civil liability). • Damage caused to employees and by employees: this risk is covered by the employer's civil liability guarantee attributable to the company for risks caused to employees and by the operating civil liability guarantee for risks caused by employees to third parties. • Civil liability D&O: the faults committed by the company's management. • Damage caused by subcontractors: in the event that the company works with subcontractors, depending on the stipulated agreements. • Damage to equipment and entrusted goods: when you have been entrusted with third-party goods inside your company or you carry out work at the home of third parties, to use, transform or transport them. • Damage to your company's vehicles (cars, motorcycles, trucks, forklifts, etc.): vehicles must have mandatory civil liability insurance. Note that certain motorized maintenance equipment used during the work may be optionally covered in the operating civil liability policy. • Damage caused to the environment: if your company's activity can cause damage due to pollution, it is necessary to provide for the subscription of the civil liability guarantee for pollution. However, there is also environmental civil liability that intervenes regardless of the damage caused to a third party and comes into play when the company causes damage to the environment by carrying out its activity (the forms of repair, guarantees and insured capital are stipulated by law). • Damages to third parties for the products or services provided by your company: the purpose is to guarantee the damage once delivered or received with the provision of in a complementary way the costs of removing the product when it presents a danger to the health and safety of consumers. This warranty does not cover damage to the product itself or defective products. For builders, insurance policies include tailor-made guarantees for the construction activity. • Professional civil liability for members of an association or professional organization: certain professions require the subscription of compulsory professional liability insurance to carry out their activity, therefore, we develop insurance programs with group rates negotiated for members. Automobiles, industrial vehicles We propose tailor-made insurance policies for your fleet of cars and industrial vehicles, guaranteeing damage to company vehicles, mandatory civil liability in accordance with the law, driver accident guarantee, 24-hour assistance, etc. Machinery Breakdown The insurance covers the accidental breakage of your company's equipment due to external and/or internal accidental damage. There are also optional guarantees to cover cyber- risks (intentious acts, fraud, virus, disclosure, human error, etc.) and the loss of profits derived from a guaranteed claim. For leased equipment, we adapt the guarantees to be subscribed according to the provisions of the leasing contract. Cargo We present insurance policies with specific guarantees according to the mode of transport: land (road or rail), sea, air or river. Insurance companies offer a wide range of policies with different guarantee formulas. Construction insurance If you are a builder, there are risks at all stages of construction: during the work and before/after the reception of the work. In particular, the main policies subscribed are: • The All Risk Construction insurance that guarantees accidental damage during the work and caused to the property, to the equipment on site, to the facilities as a result of a fire, attack, theft, acts of vandalism, storms or catastrophic risks. This insurance may include the post-work civil liability guarantee. To guarantee civil liability operation or post-work civil liability that covers damage caused after delivery, a separate policy must be subscribed. • The Ten-year insurance, whose subscription is mandatory by law, allows the property to be guaranteed for 10 years after the receipt of the work covering the risks inherent to the solidity of the work, the inseparable elements and any other contingency considering the work not suitable for its destination. Insurance for musical, cultural or sporting events As an organizer of events (shows, concerts, fairs, salons, exhibitions, congresses, sporting events, etc.) you must incur a lot of irrecoverable expenses in the case of a cancellation of the event due to: • unpredictable external elements that do not allow the event to be carried out such as strikes, the withdrawal of an administrative authorization, national mourning, an attack, the unavailability of the premises due to a fire, etc. (the causes not covered are well detailed in the policy), • the weather (rain, wind, hail, snow, flood) • the unavailability of the actor (the artist, the lecturer, the singer, etc.) due to death, accident or illness. On the other hand, we propose a specific insurance for sporting events that guarantees the payment of a lot in the case of reaching the sporting objective, for example, the "hole in one" in golf. Health, accidents and life Companies entrust us with their group health, accident and life risk insurance policies. Employees adhere to the collective policy subscribed by the company on preferential terms. According to the agreement or collective labor agreement, adhesion can be compulsory or voluntary, the company paying all or part of the premium. There are several formulas of health insurance policies to be modulated according to the needs of each company (health care policies and / or with reimbursement of health expenses). On the other hand, for accident or life risk policies, benefits are insured in the form of capital or income in the event of death or disability due to accident or illness and with the option of guaranteeing the risk of dependence. Savings, retirement We propose group life insurance policies and also on-demand pension plans for managers and employees within the framework of your company's HR policy. There are flexible tools to contain the wage burden through salary savings and business savings solutions. Credit, Bond Credit insurance is a means to protect your treasury against the risks of non-payment of your customers. The surety insurance allows you to guarantee your financial flows and meet your obligations to your customers, suppliers and administrations. The credit and surety insurance market is in the hands of certain specialist insurance companies that propose tailor-made policies. Transactional insurance Today, transactional insurance, also known as M&A (mergers and acquisitions) insurance, is widely applied to mergers and acquisitions of large and small companies. This insurance reduces the risk of the transaction and saves the differences between the expectations and needs of each party, offers buyers the comfort of being able to go to a first-level insurer and, to sellers, allows them to sell with a minimum exposure to risk related to the liability. W&I insurance (from "Representation and Warranty Insurance") is a valuable tool for merger-acquisition operations by allowing the distribution of risks between sellers, buyers and insurers. For the seller, the insurance allows you to release part of the income from the sale (reducing deposits, guarantees, withholdings or contractual claims provided for in the base contract). You can also optimize the selling price by playing the competition (offering better guarantees covered by insurance). For the buyer, W&I coverage can offer better protection, above the compensation amount negotiated in the contract and/or for a longer coverage period for compensation resulting from breaches on declarations and guarantees. Travel assistance We advise you on several insurance formulas for professional travel around the world and expatriation of your company's employees. Insurers propose modular policies with a multitude of guarantees. Legal Protection To protect your company against litigation (with a customer, a supplier, employees, with administrations, etc.), several insurers offer different legal assistance formulas and some include this guarantee in their business multi-risk insurance policies.