Gain peace of mind on every journey with cargo transport insurance
Suppose a truck loaded with essential products for your clients suffers an accident en route. The cargo becomes completely unusable, delivery deadlines are missed, and worst of all, the company faces a significant financial loss that directly impacts its stability. This setback jeopardises both daily operations and customer trust. However, this would not have happened […]
Difference Between Co-payment and No Co-payment: Everything You Need to Know
Often, when purchasing health insurance, we are unaware of the details that can make the difference between a suitable policy and one that does not meet our needs. Some terms can cause significant confusion and complicate the right choice. Therefore, it is essential to understand the difference between “co-payment” and “no co-payment,” as it can […]
What is regularisation? The complete guide to understanding its importance in the insurance sector
When taking out insurance, we don’t always consider changes in circumstances that may affect our coverage. For example, buying a new home, undertaking major renovations, or changing your occupation are situations that directly impact a policy’s terms. In fact, overlooking these updates can lead to insufficient coverage or even legal issues in the event of […]
What is underinsurance? Its meaning and how to avoid it
Imagine a retail company suffers a devastating fire in its main warehouse. Although they had insurance, the owners underestimated the value of the stored goods by around €100,000, when in reality their value exceeded €200,000. After the incident, the insurer applied the proportional rule, and the company received compensation significantly lower than needed to cover […]
Don’t put your company’s future at risk: protect it with cyber insurance
What would happen if one day you arrived at your office to find your entire network paralysed by a ransomware attack? Systems are locked, your data held hostage, and the attackers demand a ransom. All your effort and work seem to vanish in an instant. Such situations are increasingly common in a digitalised world where […]
What is professional liability insurance for the self-employed?
Being self-employed means enjoying professional freedom, but it also involves risks that can threaten your financial and personal stability. One of the biggest risks is facing third-party claims for damages, errors, or negligence related to your work. That’s why having a Professional liability insurance for the self-employed is not just advisable, but essential. In this […]
What is sick leave insurance?
It is logical that, as workers, we want to know and exercise our rights if necessary. Sick leave insurance is one of them, and probably one of the most well-known, although we may not be fully aware of it. It is important to be aware that we have responsibilities as employees, which should be reciprocated […]
What is a ten-year insurance and why do you need it?
When planning to build a house, specifically for residential use, it is necessary to obtain many permits and go through numerous processes. A ten-year damage insurance is required as part of the documentation to ensure the protection of the building in case defects or hidden flaws related to its construction arise. In this way, both […]
What types of insurance are essential for an SME?
All business ideas usually start with finding the ideal customer, developing the perfect product, addressing marketing or supplier issues. However, sometimes entrepreneurs overlook one crucial aspect: insurance for companies, SMEs or the self-employed. Insuring a business is not a fun task, but much less fun is finding yourself in front of a problem and not […]
Is it worth taking out comprehensive insurance with an excess?
Imagine you’ve just had your shiny new car and suddenly you have an accident that wrecks it. Would you be prepared to pay for it? With a all‐risk insurance with an excess you can have the peace of mind that your vehicle will be protected against these unforeseen events, while you control the cost of […]