Business Insurance
Business insurance advisory
We help you give your company the protection it deserves
Having good insurance advice is essential for any business, especially when you do not have a specialised team that can identify the risks to which your company is exposed. Reviewing coverage, detecting gaps, avoiding duplication or choosing the right insurance can make the difference in the event of a claim, a non-payment, a cyber attack or any situation that may affect the continuity of your activity.
At Afianza Avant we work with a comprehensive vision of your company. We analyse your situation from a fiscal, labour, legal, financial and operational point of view to design an insurance program adapted to your reality. In addition, we accompany you throughout the entire process: from reviewing policies to managing claims, coordinating the work with our specialists when necessary.
—Services
Our services regarding Business Insurance
We do this to get you the best coverage
Free insurance audit
We review your current policies to analyse the contracted coverage, limits, exclusions, expirations and possible overlaps. The objective is to detect risks, identify possible improvements and check if your insurance program really meets the needs of your business.
Tailored insurance program
Each company has a different structure, activity and objectives. Therefore, we design solutions adapted to your workforce, your contracts, your assets, your corporate structure and your growth plans. We do not work with standard models, but rather based on real knowledge of your company.
Comparison between insurers
We search and analyse different alternatives to offer you the most appropriate coverage according to the risk level of your activity. We compare options, conditions, deductibles and limits to help you make an informed decision.
Active management of policies and renewals
Your company constantly evolves and your insurance must evolve with you. We are in charge of monitoring expirations, renewals, modifications and periodic review of policies when important changes occur, such as staff growth, the incorporation of new partners, the signing of contracts or the opening of new lines of business.
Support in accidents and claims
When an accident occurs, you do not have to face the process alone. We accompany you in opening the file, collecting the documentation, following up with the insurer and negotiating compensation. In the most complex cases, we coordinate the work with the Afianza Avant legal department.
General and professional liability insurance
Protect your company against possible claims arising from damages to third parties or errors and omissions related to your professional activity.
Insurance for directors and officers (D&O)
Protects the personal assets of administrators and managers against possible claims related to management decisions.
Cyber insurance
Digital transformation has also increased risks. This insurance offers coverage against cyber attacks, data breaches, sanctions related to data protection or ransomware attacks.
credit insurance
It helps you protect your company against customer non-payment and can improve access to bank financing.
Surety insurance
It allows you to replace certain financial guarantees in public or private tenders and contracts, releasing liquidity and avoiding consuming lines of credit.
Sector programs
We develop specific solutions for sectors such as construction, technology, real estate, hospitality, events, foundations, cinema, shows or sports.
—Frequently asked questions
Answers to your questions
What is insurance advice for companies?
It is a service that analyzes the risks of your business and helps you choose the most appropriate coverage. The objective is for you to have protection adapted to your activity, avoiding both important deficiencies and insurance that you do not need.
What does an insurance advisor do that my current brokerage doesn't do?
An advisor analyzes your needs and your policies from a global vision of the business. At Afianza Avant we review your risks and coverage to detect possible deficiencies, duplications or aspects that can be improved.
When should I review my company's policies?
It is advisable to do it periodically and whenever there are important changes in your business. For example, if the workforce increases, you change premises, buy new equipment, expand your activity or sign contracts with new requirements.
What do you need to review my policies?
We need to know your activity, the characteristics of your company and the main risks to which it is exposed. We will also review the policies you have contracted, their coverage, limits, exclusions and conditions.
What should I compare before taking out business insurance?
Don't just look at the price. Compare the coverage, compensation limits, deductibles, exclusions and conditions of each policy to know what protection you are really purchasing.
What insurance is mandatory for a company?
It depends on your activity, the collective agreement, whether you have workers and other factors specific to your business. Therefore, before contracting, it is important to review which insurances are mandatory in your case and which are recommended.
What happens if my company is underinsured?
It means that the insured value is lower than the real value of the assets or risks covered. If an accident occurs, the compensation could be less than expected according to the conditions of the policy, leaving part of the losses borne by your company.
How can we help your business?
We can help in more ways than you might expect. Let’s start by getting to know your business.
Contact us