The best insurance for SMEs

Do you want to protect your SME with a tailor-made insurance policy? At ASSAP we value your daily effort and dedication, which is why we offer a multi-risk insurance policy for SMEs, designed for entrepreneurs. This insurance is flexible and innovative, with extensive coverage that protects your business against a wide range of risks.

It includes essential guarantees such as protection against fire, theft and explosion, as well as specific solutions adapted to the characteristics of your company that will ensure comprehensive and personalized protection.

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What is SME insurance?

SME insurance provides comprehensive coverage tailored to the specific needs of small and medium-sized businesses. This type of insurance covers everything from property damage and theft to civil liability, and offers customized solutions that help mitigate risks and ensure business continuity in the event of unforeseen events.

What does it cover for SMEs?

Coverages included

With and without deductible *

Fire, explosion, smoke or soot

Protect your business against damage caused by fire, explosions and related debris.

If, for example, a short circuit causes a fire, this insurance will cover the repair of damage and the replacement of lost property.

Atmospheric phenomena, lightning, floods, crashes, impacts and sonic waves

In the event of damage caused by natural phenomena or accidents such as lightning, flooding, vehicle impact, etc., your business will be protected.

So, if a strong storm breaks the windows of your business, the coverage will cover the repair costs.

Electrical damage

Covers damage to your business’s equipment and appliances caused by electrical problems.

For example, if a power outage damages your computers, this coverage will take care of their repair or replacement.

Breakage of sanitary elements

If your business’s plumbing fixtures are damaged or broken, such as a sink or toilet, insurance will cover the costs of repair or replacement.

Temporary uninhabitability in the event of an accident

It refers to a situation in which, due to an unforeseen event or severe damage, the commercial premises cannot be used to carry out economic activity.

For example, if a flood caused by plumbing problems floods your premises and forces you to temporarily close, our insurance will cover the financial losses of that forced pause and help you resume your activity without additional financial worries.

Total ruin

It covers material damage that may compromise the mechanical resistance and stability of the building due to works or accidents, provided that the competent authority declares the total ruin of the property and orders its evacuation.

Vandalism

It protects you against intentional damage caused to your property.

If your business is the victim of an act of vandalism, such as graffiti, broken glass or merchandise sabotage, the coverage will cover the costs of cleaning, repair and replacement.

Water damage (water leak detection and repair)

Covers damages associated with locating and repairing water leaks that may harm your property.

For example, if a water pipe bursts and causes a flood in your premises, insurance will cover the costs of finding the leak, fixing the pipe and repairing any damage caused.

Theft and plunder

Protects you against financial loss caused by theft or looting of your business assets.

For example, if thieves break into your business at night and take merchandise or equipment, your insurance will reimburse you for the value of the stolen goods.

Liability, bonds and defense

It assumes compensation, on your behalf, for any damages caused to third parties by your business activity. In addition, in the event of a lawsuit, it covers the costs of the process and your lawyer in the event of a trial.

For example, if a customer slips and is injured in your store, liability coverage would cover medical costs and any potential lawsuits.

Crystals

Covers the repair or replacement of broken or damaged glass in your business.

For example, if a severe storm causes your storefront window to break, this coverage will cover the cost of replacing the damaged glass.

Additional coverages

Aesthetic damage

In the event of a repair that alters the visual harmony of your space, it covers the restoration of the original aesthetics.

For example, if after repairing a pipe, the paint on the wall does not match, it will cover the costs of returning the place to uniformity.

Key replacement

If you lose your business keys or they are stolen, this coverage will cover the costs of replacing the keys and, if necessary, changing the locks.

Employee infidelity

Protect your business against dishonest acts committed by employees, such as theft or misappropriation.

Computer breakdown

If your computers or computer systems are damaged or broken, this insurance will cover the costs of repair or replacement.

File replenishment

In the event of loss or damage to important files, whether physical or digital, this insurance will cover the costs associated with their recovery or reproduction.

Refrigerated goods

If your business’s food or refrigerated goods spoil due to a refrigerator breakdown or power outage, this coverage will reimburse the value of the lost goods.

Machinery breakdown

Covers the costs of repairing or replacing your business’s machinery in the event of a breakdown.

For example, if you have a coffee machine, insurance covers the costs of its repair or replacement.

* Coverage and services are subject to the terms and conditions applicable to your insurance. This section has no contractual value.