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SME Insurance .

PostaInsure offers invaluable peace of mind, an intangible assurance beyond measure, essential for life's uncertainties. As a company we take pride in providing security and tranquillity, recognizing the priceless nature of this assurance. The commitment to delivering peace of mind sets us apart, and prioritize it as our paramount goal. If you have questions or want personalized solutions, feel free to reach out.

SME Insurance

Safeguarding Every Venture, Securing Your Tomorrow.

SME Insurance

Summary.

A business venture constitutes a continuous investment, and the fruits of your hard work deserve protection. Accompanying your well-earned achievements with a comprehensive insurance policy is essential to safeguard yourself, your business, and your employees. The SME insurance policy has been meticulously crafted to address the specific needs of small and medium enterprises, offering an excellent business solution to fortify your accomplishments.

This business insurance policy stands as the optimal solution for various business types, including offices, catering establishments, retailers, professionals, clinics, and any other small or medium-sized enterprises engaged in the sale of goods or provision of services from their premises. Furthermore, a diverse array of tailor-made products is available to cater to the unique insurance requirements of larger industrial risks. These offerings ensure a comprehensive and flexible approach to meeting the varied needs of businesses operating on a larger scale.

Investing in the right insurance coverage not only protects your current achievements but also serves as a strategic measure to fortify the future success and sustainability of your enterprise. For any inquiries or to explore the most suitable insurance options for your business, please do not hesitate to contact us. As a company we are here to assist you in securing the longevity and prosperity of your venture.

The SME policy provides cover for property, stock, and other trade contents, public and products liability, employers liability, loss of income and loss of book debts, money and personal accident cover, fidelity guarantee, equipment breakdown as well as an annual travel cover for the insured or any other employees.

 

SME Insurance

Accidental damage cover.

This policy provides ACCIDENTAL DAMAGE cover in respect of your property (buildings and contents) and includes damage against:

  • Fire, lightning, and explosion
  • Earthquake
  • Impact with the property insured.
  • Riot, civil commotion, strike, locked-out workers, malicious persons.
  • Storm, tempest, or flood
  • Bursting or overflowing of water tanks, apparatus, or pipes.
  • Hold-up by violence and/or threats of violence
  • Aircraft

 

FAQs SME Insurance

Frequently asked questions.

In the European Union, 9 out of every 10 enterprises fall under the category of Small and Medium-sized Enterprises (SMEs), playing a significant role in job creation. To assess whether your business qualifies as an SME, consider the following three criteria: Staff headcount Annual turnover Annual balance sheet total SMEs encompass companies that employ fewer than 250 persons, with an annual turnover not exceeding 50 million euros and/or an annual balance sheet total not surpassing 43 million euros, according to EU standards. The thresholds for each category are defined as follows: Micro enterprises: Headcount: <10 Annual turnover: <2 million euros; or Annual balance sheet total: <2 million euros Small enterprises: Headcount: <50 Annual turnover: <10 million euros; or Annual balance sheet total: <10 million euros Medium-sized enterprises: Headcount: <250 Annual turnover: <50 million euros; or Annual balance sheet total: <43 million euros Headcount includes full-time, part-time, temporary, and seasonal staff (excluding apprentices and those on parental leave), with variations in national legislation across different countries. Annual turnover is the result of calculating income received during the year from product sales and service provision after deducting rebates. It excludes VAT or indirect taxes. Annual balance sheet total refers to the value of the main assets of the business. SMEs hold significant importance in the European policy landscape, representing over 85% of new job creation. The EU recognizes three categories based on the relationship an enterprise may have with another: Autonomous: Completely independent enterprises or those with one or more minority partnerships, each less than 25%. Partner: Enterprises with holdings between 25% and 50% with other enterprises. Linked enterprise: Enterprises with holdings exceeding 50% of the threshold. While this provides a quick guide to SME classification, businesses that do not qualify as SMEs still have access to financing measures and support programs.

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