Business
Business Insurance
Establishing and operating a business involves great personal and financial investment. The last thing you want to worry about is what would happen if a fire or court case ruined your business and you didn't have adequate or appropriate insurance to cover the costs. Insurance will give you peace of mind that you may be able to resume trading in the event of a disaster or a liability claim against your business.
Types of insurance
There are many different types of insurance that are designed to cover your business needs. Kröller offers insurance for you as an employer, for your business itself and for your employees. Kröller offers among others:
- Property/assets insurance
Property insurance covers the costs associated with the repair or replacement of your physical assets, including your building, equipment, furnishings, fixtures, inventory, computers, and business documents and records; as well as your resulting reduction in turnover. Examples of some covers include: Fire & Perils, Business Interruption, and Burglary. - Public/professional liability insurance
Public and professional indemnity insurance protect the owners and operators of a business from their financial liability to third parties arising out of an event or occurrence that they are legally covered in connection with their business. - Workers' Compensation
Workers’ Compensation insurance is a mandatory requirement for all businesses that employ staff on a casual, part-time or full-time basis. It provides cover for the financial costs of claims made by a staff member for work-related injuries, disease, illness or even death. - Car insurance
Comprehensive car insurance insures you against loss of or damage to your vehicles due to a collision and other accidental damage, theft, fire, and also includes indemnity for any legal liability for third party property damage. - Employee Benefits
Provision by an employer for the economic and social welfare of employees. Generally include: (1) pension plans for retirement; (2) group life insurance for death; (3) group health insurance for illness and accident; (4) group disability income insurance for loss of income due to illness and accident; and (5) accidental death and dismemberment. Dental insurance, eyeglass insurance, and legal expense insurance may be included. These plans are established for the reasons of morale, to reduce turnover, and for tax benefits (contributions are usually deductible as business expenses to employers and not currently taxable income to employees). - International networks
If you do business abroad you will encounter different risks. Our specialists can provide you with detailed information about the international aspects of risk management and insurance.
Thanks to our membership of the Assurex Global network and the International Benefits Network we can provide you with ‘local’ financial products abroad.
Risk Scan
Risk is a part of everyday life and running a business is no exception. However, it is important to actively work toward minimizing risk in your business through careful planning and preventative action. A Risk Scan, including insurance, will ensure that your risk exposure is minimized and the potential costs of injury or damage are reduced. Kröller can execute a Risk Scan for you and give advice about what type of insurance you need.
Curious?
We can make an informal appointment with you to visit your company. Then we will discuss your questions and wishes and provide a tailor-made advice. Please don’t hesitate to contact us.