074-767-94-17

ביטוחי עסקים

אם חשבתם שתחום הביטוחים האישיים מסובך, סביר להניח שנושא הביטוחים לעסק יבלבל אתכם לגמרי. אבל, למרות זאת, אם אתם בעליו של עסק, אין לכם את הפריווילגיה שלא לרכוש פוליסה (או פוליסות) ביטוח, פשוט מכיוון שחוסר אחריות מסוג זה עלול לגרום לעסק שלכם נזקים כלכליים חמורים. ביטוחי עסקים הם נגזרת ישירה של מספר קריטריונים, ביניהם - טיב פעילותו של העסק, מספר המועסקים בו וכן הלאה. לכן, גם אם בעניין הביטוחים האישיים שלכם אתם מזלזלים (לא רצוי, כמובן!), בהרכבת התמהיל הביטוחי לעסק תהיו חייבים להיעזר בסוכנות ביטוח מיומנת ומנוסה, כמו בראשית ביטוח ופיננסים, שתבחן בדיוק את סוג הפוליסה הנדרש לכם.

מדוע ביטוחי עסקים הוא תחום כל כך מסובך?
בעיקר, מכיוון שכמו שכתבנו בתחילה, כל עסק הוא שונה מחברו (או ממתחרהו) והנתונים שלו שונים לגמרי. למשל, חברה קבלנים המתעסקת בעבודות עפר, תהיה זקוקה לפוליסת ביטוח צמ"ה, בעוד חברה המתעסקת בשינוע והרמה תהיה זקוקה לפוליסת ביטוחי מלגזות ונגררים, חברה העוסקת בהסעות תזדקק לפוליסת ביטוחי משאיות ואוטובוסים ואילו חברה יצרנית או חברה משווקת תזדקקנה לפוליסת ביטוח אחריות מוצר, חברה המעסיקה עובדים תזדקק לפוליסות ביטוח חבות מעסיקים, ואילו עצמאי בעל עסק לא יידרש להן, אלא לפוליסות אחרות, שמטרתן ורכיביהן יתאימו לו יותר.

מה עלול לקרות אם אין לכם ביטוח לעסק?
סיכונים לעסק עלולים להגיע ממספר מקורות.
הראשון בהם הוא הסיכון לעסק עצמו ולציוד ולסחורה הקיימים ברשותו.
מקור הסיכון השני, הוא פגיעה שנגרמת לעובד העובד בעסק בזמן עבודתו.
הסיכון השלישי מגיע מצד ג' - לקוחות, ספקים או עוברי אורח תמימים שאין בינם לבין העסק שום קשר, אולם הם נפגעו, בדרך זו או אחרת, במסגרת פעילותו של העסק.

כל אחד מסוגי הסיכונים עלול לעלות לעסק בכסף רב, ולעיתים, אף במוניטין שלו או בהשבתתו למשך פרק זמן ארוך, במידה ולא נמצא ברשותו הכיסוי הביטוחי המתאים לסוג המקרה הביטוחי שאירע לו.

לא קשה להיזכר בסיפורים על עסקים שקיבלו מכת מוות כזו, בשל מקרה ביטוחי בו היו מעורבים. למעשה, התקשורת מזרימה לנו באופן קבוע הוכחות לנחיצותם של ביטוחי עסקים, כך שגם אם נרצה להיות חסרי אחריות ולשכוח מהצורך להצטייד בפוליסה המתאימה, אין שום דרך בה ניתן לברוח מהמציאות הברורה.

השירותים שלנו

הסברים פנסיונים

ביטוחי עסקים

ביטוחי חיים

נכנסים פיננסים

ביטוח נסיעות לחו"ל

ביטוח רכב

קידום אורגני \| קידום אתרים

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