Transport
An insurance policy protecting property during transport is called CARGO. It is used by all the companies whose activity is in any way connected with transport of goods The policy protects us against the destruction or theft of goods. The compensation is granted both when we use our own and rented means of transport.
- This is the insurance for companies whose business involves transport of goods
- We insure goods against theft or destruction
If the transport of goods takes place in Poland we only need an insurance policy protecting our transport only within the Republic of Poland. Otherwise, we should think about the so-called international cargo.
Most of the insurance companies providing insurance coverage for businesses offer transport policies. You should examine the exact terms of insurance and check what goods are protected by insurance coverage. If we transport for example jewelry, artwork, etc., we may need a separate extension of the policy or a separate contract. Consider the sum of the insured goods.
We can conclude either a general insurance contract - to protect all of our transport - or single insurance contracts - if we protect each transport separately. Insurance is valid not for a determined period of time (for example one year), but for the duration of the tranport. Remember to notify the insurer of any significant issues that are important in terms of the size and probability of damage. We also have to check whether the vehicles used to transport goods are in good condition and have all the important technical documents valid.
What is the insurance guarantee?
The insurance guarantee is an excellent tool for all companies that use the bank loans, participate in tenders or carry out contracts for other contractors. The guarantee is a tool thanks to which the company does not have to freeze its financial assets for, for example, a bank loan security or a tender security payment.
What are construction insurance policies?
Construction policies are designed primarily for construction companies. You can insure the whole equipment (cranes, concrete mixers, excavators) against such events as fire or flood. The policy also provides reimbursement in case of theft or destruction. Construction-assembly insurance covers also the effects of construction accidents, property damage, elements (lightning, fire) as well as failures of equipment and electrical installations.
What is the Employee Pension Programme?
Employee Pension Programme (PPE) is nothing but an additional incentive for an employee of our company.
This program has one goal: to assure a higher pension for an employee, regardlesso of what he/she gets from pillar I and pillar II. PPE costs incurred by the 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.
In case of a damage, we should notify the insurance company as soon as possible. We will have to gather essential documents, and provide the insurer with all necessary information so that he/she can reliably estimate the extent of the damage. If a crime was committed, we must call the police. Compensation will be paid under terms stated in the contract, in relation to losses.
Notify the insurer
If a damage happens, you should notify the insurer immediatley.
Crime? - Notify the police
If a damage is associated with crime (for example theft), it is necessary to notify the police.
Deliver documents
Upon notification, make sure that the insurer gets all the necessary documents as soon as possible.