Theft and burglary
Theft of property is an event against which to some extent any company can protect itself, through the use of monitoring systems, security guards or an alarm system. Yet, it happens that thieves manage to break through all the security, rob the company and thus expose the owner to significant costs. Insurance protects us fgainst the financial consequences of such events. It is worth having insurance even if we believe that we have an adequate security system in our company.
- It is worth having insurance even if we believe that we have an advanced security system.
- Insurance protects against the financial consequences of theft or burglary
Insurance against theft is a very popular product and is offered by many insurance companies, on the condition that such a company provides insurance coverage for businesses. The contract is usually settled for one year and for such a period we should pay the premium. Of course, we can choose to pay in installments. You should read the contract carefully to make sure that each component of your property is insured. Pay attention to the so-called insurance sum, which is the maximum compensation we can get as a result of theft or burglary.
If we decided to pay in installments - we must remember to pay them on time. When a contract ends, you should think about an extension. We must also remember that the compensation will not be paid if theft occurred as a result of our gross negligence.
In other words - having a policy protecting against theft does not entitle us to leave the company without care and with doors open. Let us also remember that not every item of property is covered by insurance - check what it is better not leave to in the office.
What is a voluntary MTPL?
Despite an obligation of having MTPL in case of certain professions, those whose occupation does not require an obligatory insurance can easily decide to settle a voluntary MTPL contract. Such a contract may also be settled those who are obliged to have an MTPL. Thus the policy would be a kind of voluntary "additional insurance”. This is important if we wish to insure ourselves beyond the guarantee sum defined in the legislation on compulsory professional civil liability.
Protection against loss of profit
These policies do not only protect us against the consequences of destruction or damage, but also against what what we can lose as the result of the damage. We know that every company generates revenue through the reliable operation of many machines and devices. The problem arises when these machines refuse to obey. The company does not produce the revenue, but bears the costs (staff, rent, etc.). Therefore, it is worth thinking about a policy, which protects against the loss of profit and provides us a reimbursment.How to protect your employees?
Employee Pension Program (PPE) is nothing but an additional incentive for an employee of our company. This programme has one goal: to assure a higher pension for an employee - regardless of what he/she gets from pillar I and pillar II. PPE costs incurred by an employer are tax deductible. Therefore it is also a tax benefit. Although PPE is a group programme, each employee has an opportunity to develop their individual saving strategies. It all depends on the structure of the chosen PPE.
If any kind of misfortune happens, we should notify the insurance company as soon as possible. We will need to gather some necessary documents. If we do not know what documents we need, the insurer will help us. An insurer's representative will arrive at the scene to assess the value of the damage. It is worth having a current list of items in the company. In this way it will be easy to determin what has been stolen.
Notify the insurer
In case of a damage you need to contact the insurer immediately. This can be done by phone or directly at the insurer's office.
Ask about documents
If you are unsure what documents to provide, ask your insurer. You will receive the necessary information immediately.
Receive compensation
After notifying the insurer and providing the necessary documents, the expert will estimate the cost of damage and the insurer will pay us the compensation.