Business Security

Do you have your own business? Do you want to sleep? Who does not want to. Let's think about what we do not have enough to do so.

You are making every effort to protect against various negative factors surrounding your business? You need to improve the financial stability of your business and become more attractive to partners? Do you want to increase the amount of working capital and a loan in the bank, but the bank requests the guarantee safeguarding of assets? All these problems can be solved through the insurance of their business. If you are looking for answers to the above questions, then this material will be useful for you! Most private beauty salons, notaries, audit companies, small hospitals are small businesses, which employ a small staff. But people are people. And the "human factor" no one has canceled. Price errors can be very high: God forbid would suffer serious harm to human health or the client's documents inaccuracy. Life is life, and therefore a mistake, even a top expert can not be excluded.

Insurance can not prevent the onset of this "insurance" case, but allows you to greatly offset the potential damage that will be caused to a particular company or business in general negligent actions of perpetrators or third parties. And insuring his liability to customers. can be avoided not only a long litigation, but also to solve a complex problem - not only to preserve the good name, but also a client.

The experience of developed countries shows that, without proper evaluation and organization of insurance risks can not effectively operate any enterprise. Some countries even impose compulsory insurance of liability of legal persons for any damage. Unfortunately, the insurance firm in Russia was not included in the customs of business turnover. It is hoped that businessmen second and third generations will realize that it is better to pay a lesser amount for an insurance policy than to lose business because of one serious injury.

Today, small and medium-sized businesses are constantly on the brink of risk. Organize a company - is simple enough. But to keep the business "afloat" can not much. After all, even with a stable sales of all you can lose in one day. Fires, accidents and fire key employees - all of this poses a threat not only profit but also its very existence. However, the unpleasant consequences can be minimized. To do this, and there is an institute of insurance business.

For example, a hairdresser's financial district is much less stable than the fashion-largest holding. And the fact that the latter only in trouble for a small company can become a disaster. Since the flooding neighbors "on top" is likely to entail significant repair of the hall. However, the budget of the merchant does not always provide the cost of unplanned repairs. The suspension of activity in this case is inevitable.

What, here, interested business owner - to compensate possible losses. It is important that the insurance amount for which insured the enterprise consistent with possible losses when the insured event, as payment for an occurrence is often the only source for an entrepreneur to cover the damage.

The second point, which plays an important role - the size of the premium. Generally, all funds by small and medium businesses are investing in the business. Often, in the event of force majeure, they do not even have the reserves to mitigate its consequences. But despite this, few entrepreneurs decided to spend the money on insurance, but insurance costs are only one percent of the amount of possible losses. For reasons of economy, as well as following the old Russian tradition, small businesses still prefer to rely on "maybe".

Today, insurance companies (insurers) include small business insurance package the following types of insurance:

- Property Insurance - allows you to insure property risks associated with the operation and use: office space, equipment, furniture and goods in warehouses, etc. And also in case of theft, damage or other adverse effects. In the insurance case, the insurance company will compensate the victim company (Insured) damages in full, provided that the sum insured corresponds to the actual value of the insured property. In the case of "nedostrahovaniya" property insurer (by law) shall be entitled to pay only a fraction of the damage, equal to the ratio of the sum insured to the actual value of the property;

- Liability insurance - allows you to insure the Insured's liability for damage to third parties (eg customers), upon presentation of their claims against the company. For example, a master barber messed up hair, the client (painted a different color or retain moisture.) Or the provision of spa services, under the influence of chemically active substances (prof.kosmetika) damaged the health of the client, etc. In this case, the victim may make a complaint to the company or its owner. And what do the latter, if he does not have available funds for redress? This is where the rescue contract professional liability insurance. It should be noted that the insurance company will fulfill the requirement for damages only to the extent of the sum insured.

- Insurance against business interruption - allows you to insure losses arising from unplanned interruptions in production. Often a business small business is concentrated in one place (usually a rental office). In case of fire in the office of the company's activity will be effectively paralyzed. Enforced absence from the company will incur a loss: loss of profit, additional costs in order to reduce damage; unavoidable operating costs (staff salaries, rent, taxes, depreciation) and other reimbursable by the insurance company of damage will depend on the actual downtime. Typically, the insurer sets the franchise (non-refundable portion of the loss). In this case, the minimum break in the action. Only after the end of a simple subject to an accident.

In addition to all of the above insurance companies offer to their clients and other services. For example, packages that can include medical insurance personnel (both from an industrial accident, and in general), cars (CTP, theft and other risks), insurance products and transportation equipment, etc. There are also packages relevant to employers: liability insurance for a business. The insured event is recognized as causing harm to third parties in the implementation of the insured business, use of leased facilities, maintenance facilities, leased, providing services to the population mass.

Despite the diversity of small business insurance market is practically not covered. Today, these services offer only a stable operating insurance companies. This is because insurers have a number of unavoidable cost of evaluation as insured property and the risks to which it may be subjected. And this despite the fact that the amount of premiums received by small firms are very small.