Everything is going well – and according to your ideas. And suddenly it happens: a small mishap, a technical defect or some other unforeseeable event. And plan digits start to falter, delivery times can no longer be met, there is no central server or network and so forth.
If damage or business interruptions due to fire, burglary robbery (including vandalism), tap water, storms and the like need to be dealt with in the event of a claim, it is good to be able to rely on a strong partner. Real assets are exposed to many risks. That is why we have bundled several insurance lines into an inexpensive security package – additionally equipped with free service extensions. We would be happy to inform you about the scope of services of the – freely selectable – individual divisions in a personal meeting.
The ARIS-Business-Package is specially designed for freelance professions as well as small and medium-sized enterprises and offers a maximum of security components. Since every company has its own identity, risks are very different depending on the industry, company size, use of technology, etc. You know best about the details yourself, we would be happy to inform you about useful combinations in a personal analysis meeting.
We have also negotiated separate packages for pharmacies and construction related trades, which cover the special needs of these industries.
Company buildings can be secured against fire, natural hazards and water damage. Individual, needs-based additional coverage options (disposal costs, indirect lightning, etc.) are available.
The complete factory equipment, goods and supplies
Raw materials, operating resources, semifinished and finished products can be protected against fire, burglary robbery (including vandalism), natural hazards and water damage. You can also take out comprehensive insurance for indoor and outdoor glazing. Additional covers (disposal costs, indirect lightning strikes, data carriers, contents of safes, etc.) make the operational protection expandable as required. Goods in transit, electronic devices, frozen food, even the luggage of guests in accommodation establishments can also be insured.
Is a machine or a building damaged, operations are also massively affected, or even an involuntary shutdown occurs. The contribution margin (operating income minus variable costs) is insured in the event of a partial or total interruption of the insured business. This reimburses you for ongoing fixed costs (such as personnel expenses, rents, debt interest, etc.) and the lost operating profit that would have been generated if operations had not been disrupted. The current business situation, market position and order situation are taken into account. Damage mitigation measures taken are also remunerated (overtime surcharges, setting up emergency operations, costs for rental machines, etc.). The sum insured is determined with regard to the expected contribution margin within the agreed indemnity period (3-24 months).