If you have been in business for several years, you know perfectly well that your business insurance is going off a peak. Seguros.es wants to help merchants in this task. For this, it has launched a trade insurance comparator
We wants to help merchants in this task. For this, it has launched a trade insurance comparator that allows, by filling in a simple form, to obtain different estimates to insure the trade. In addition to comparing insurance, let’s see other tips we can follow:
The business premises : As if it were home insurance, the size, year of construction, location in an urban center or industrial estate and postal code are very important when assessing the price of the insurance. A local of 100 is not the same as another of 450 square meters. Nor does a building in an urban center suffer the same risks as the one only in the middle of the field.
The number of employees : there is a directly proportional relationship between the number of accidents and the number of employees. The more employees there is more risk of an accident occurring.
The capital of the continent to be insured: if the building in which the premises is located already has a continent insurance from the owner, you may not need a very high figure in this section. The limit of liability coverage you choose later is more important. Of course, by increasing the limit, we will increase its price.
The capital of the content to be insured: we must break down the content into the different sections that are stocks, real estate, refrigerated and machinery. We have to be the ones who assess how important the possible loss of each of these content concepts is to know what figure to indicate. If we have machinery that is very expensive and difficult to replace, we must indicate a high value to be able to compensate for this damage. If we do not have or do not want to ensure a section, always fill in this question on the form with a 0.
The security measures available to the premises: We must try to be cautious about accidents and the consequences that these could have if they occur. Not only because having good security measures avoids losses due to theft or fire, but because having better measures, you get cheaper insurance. It will be necessary to indicate if there is surveillance, alarm, extinguishers, automatic sprinklers, etc.
And of course, the best way to achieve significant savings is to get more than one price.