What is Artisans and Small Businesses
Craftsmen and Small Businesses is the multi-risk policy designed by Zurich Insurance plc to protect craft businesses and small businesses Health insurance against all the risks that may compromise the conduct of business.
A complete and updated insurance solution, which protects the work of the owner and his collaborators, guaranteeing the quality of the products and services offered.
How it works Artisans and Small Businesses
The Artisans and Small Businesses policy is the right solution for you if you are looking for:
- A complete policy
- With a single contract you protect yourself against all the risks associated with your business.
- A customizable solution
- The policy allows you to purchase only the guarantees actually necessary to protect your business.
- A convenient formula
- The solution provides for a system of “scaled” discounts, whereby the more guarantees you purchase, the lower the overall policy premium costs.
The guarantee covers damages caused by fire, lightning, explosion, also extending to those caused by water leaks, short circuits, vandalism or willful acts, atmospheric events. Coverage also includes reimbursement for glass breakage and damage caused by snow overload on roofs.
Theft and robbery
Indemnifies, according to the new value principle, the loss of the contents placed on the company premises following:
- theft committed clandestinely
- robbery (even if initiated outside)
- theft committed by employers
The policy also covers breakdowns and vandalism caused by thieves during theft, attempted theft or robbery.
The guarantee can be extended to damages caused by theft and/or robbery of transported goods and/or equipment.
ivil liability for damages to third parties and workers
The guarantee provides for compensation for damages involuntarily caused to third parties by carrying out company activities. In parallel, the guarantee covers damages due to work accidents suffered by the workers.
To the basic coverage – which already includes damages deriving from the ownership and/or running of company premises, damages deriving from interruption and/or suspension of third-party activities, damages deriving from work with third parties and more – it is possible to add other guarantees more specifically related to the activity of the individual company.
Civil liability for damages to third parties from products
The warranty covers any damage caused to third parties by defects in the products manufactured by the company after their delivery to third parties. The coverage can be extended to what is exported directly to the USA and Canada.