We live in a country where, of all the small and medium-sized enterprises that exist, a large number are either family or two-partner companies.
This means in practice that the role of owners is multidimensional, as they work as employees in their business, while at the same time managing it and assuming all its responsibilities.

In case of loss of life or serious illness of one of the partners, things become more difficult because either someone from the family of the victim will have to take over his position - responsibilities or his share will have to be sold either to the other partner or to a third party, in order for the business not to be viable.

Sometimes, however, the spouse or children of the victim are not in a position to take on this, and the remaining partner does not always have the capital he or she needs at the time he or she needs it to buy the partner's share from the family. Thus the business is either forced to close down, with the result that the family of the deceased partner loses the income received from it, or the share of the deceased partner is sold, usually at a very low price, with the result that the family suffers a loss.

Partner Insurance comes to provide the most appropriate solution by ensuring a sufficient capital in the business so that either the remaining partner is able to buy his partner's share from the family, or one or two executives are hired who will be able to take over the work - responsibilities of the partner and the company can continue uninterrupted.

Partner Insurance comes to provide the most appropriate solution by ensuring a sufficient capital in the business so that either the remaining partner is able to buy his partner's share from the family, or one or two executives are hired who will be able to take over the work - responsibilities of the partner and the company can continue uninterrupted.
Business programs comprehensively secure your business.

With a range of innovative coverages that protect both the building and its contents, with all the merchandise, equipment and improvements you have made to the building.
They also enable you to get the insurance your business needs at a very affordable price and give you the peace of mind that it will continue to operate, no matter what happens.

Environmental Civil Liability

The coverages of the programme aim to meet the needs of a company in the field of civil environmental liability and provide comprehensive protection from the activation of the environmental liability regime.

The programme has been designed in accordance with national and EU environmental and insurance legislation and the new licensing regime governing the operation of businesses.
Indicatively, the programme offers:

• Coverage of environmental restoration costs for damage to soil, water and protected species and natural habitats
• Coverage of costs of mitigation of environmental damage
• Third party liability cover for material damage
• Coverage of the costs of specialised legal assistance
• Comprehensive technical consultancy services and specialised environmental inspections
• Coverage of the costs of repairing damage to the property of the insured undertaking from environmental damage in connection with the property insurance offered

In today's economic environment, modern businesses face serious challenges. In order to survive and grow, they are rethinking their activities and business relationships in order to so that every decision and action adds value to the business!

People are the driving force and arguably, one of the most important growth assets for any organization as stated by management guru "Peter Drucker"

"People are resources for a business, not costs!"

Group Insurance is a powerful business tool with economic and human impact, it is the best proof of a company's interest in its staff.
Συμβάλλει καθοριστικά στη δημιουργία θετικού κλίματος εντός μιας εταιρίας, στην ενδυνάμωση των δεσμών μεταξύ επιχείρησης και προσωπικού, ενώ ταυτόχρονα απαλλάσσει τους εργαζομένους απόσημαντικά προβλήματα που τους απασχολούν.

The main advantages of Group Insurance are:

• It offers significant tax incentives for επιχείρηση
• It is a risk management tool at work'
• Contribute to attracting high quality εργαζομένων
• It acts as a powerful incentive to increase παραγωγικότητας
• Helps to strengthen the relationship with staff
• It contributes to the retention of experienced staff and στελεχών
• It is a financial guarantee for employees
• It is an alternative way of rewarding

Indicative benefits:

Life & Health

• Insurance of death from any cause (Life Insurance)
• Death and Permanent Total or Partial Disability due to Accident
• Permanent Total Disability due to illness
• Temporary total disability (loss of income) due to accident or illness
• Medical expenses from an accident
• Hospital & Outpatient Care (including Hospital and Surgical Allowance, Maternity Allowance, Serious illnesses)

Pension schemes (Defined Contribution)

• Minimum insured : 2 persons and € 10.000 minimum annual premium
• Full tax exemption without limit for company and employee contributions

According to the definition of Civil Liability, as a legal term, it is the case where someone negligently causes, by his/her act or omission, physical injury and/or material damage to a third party and is obliged to compensate for it. The general and broad meaning of this definition does not clearly delimit the claims that the injured party can make against the person who caused the damage.
According to the law there is civil liability for all of us, but those who are most at risk are the businesses, especially those whose business is with consumers.
Insurance intermediaries, accountants, doctors, catering companies, hotels and a very large number of other professionals have civil liability.
The non-existence of a civil liability insurance policy can result in a very large financial loss for the company, thus endangering its viability.
If you recognise your responsibilities where they exist, come and discuss how you can shift their financial consequences to us!