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Insurance and welfare

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We have developed a complete range of simple and modular insurance services and solutions, to meet the needs of every business.

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Protection of businesses

Protection and security for your business.

Cyber Insurance for SMEs

It is the specific insurance product to help companies protect themselves from cyber attacks, such as malware, ransomware, Distributed Denial of Service (DDoS) and any other method used to compromise a network and sensitive data. In this way, your company is protected in the event of damage to reputation and credibility, requests for compensation, damage due to business interruption, and regulatory penalties.

Advantages

Simplicity

To apply for the Cyber policy, it is sufficient to complete a self-declaration for assessment of the IT risk.

Specific and tailor-made

It is a tailor-made offer to protect yourself from IT risk, with specific guarantees and ceilings adjusted to the turnover of your business.

Tax deductibility

The amount of the premiums paid constitutes a cost entirely deductible from the business income.

Industry 4.0

A solution to protect the continuity of your business and investments in Industry 4.0 from IT risks.

Smartworking

This guarantees the security of your IT system and your business, especially if your employees work from home also using personal devices, in accordance with a BYOD company policy.

Promotional message, also of placement of insurance contracts. Before applying, please read the information at www.insurancefactory.it and which is also available through the distribution network. Lloyd’s S.A./Insurance Factory policy distributed by Banca Ifis S.p.A

D&O for SMEs

This is specific insurance coverage for the protection of the personal assets of directors, managers, company directors with corporate positions, and statutory auditors, in the event of “bad management” (negligence, error, incorrect declaration, omission, etc.) which leads to economic loss for: the company, third parties, suppliers or partners, or even in the event of bankruptcy of the company itself.

Advantages

Specific and tailor-made

Guarantees and specific ceilings, adjusted to the turnover of your company.

Simplicity

To apply for the Cyber policy, it is sufficient to complete a self-declaration for assessment of the IT risk.

Tax deductibility

The amount of the premiums paid constitutes a cost entirely deductible from the business income.

Guarantee for Investors

The D&O is an important guarantee for investors interested in protecting the company and its investment.

Unlimited retroactivity

Acts committed by previous management are also covered, provided that the request is made during the period of validity of the policy.

Promotional message, also of placement of insurance contracts. Before applying, please read the information at www.insurancefactory.it and which is also available through the distribution network. Lloyd’s S.A./Insurance Factory policy distributed by Banca Ifis S.p.A

Key man - Injuries

Protect your business from economic difficulties due to sudden absence of the key professional figures of your business.

Advantages

Comprehensiveness

Choose to have cover for both professional and extra-professional accidents.*

Simplicity

Medical questionnaires or medical examination reports are not required.

Tax deductibility

If the company is a beneficiary, the amount of the premiums paid constitutes a cost entirely deductible from the business income.

Convenience

The policy is valid for 5 years and the premium for the whole period is discounted compared to the cost of a single year.

Fixed indemnity

The policy provides for a fixed insured capital that does not decrease during its period of validity.

*Choose to have cover for both professional and extra-professional accidents, with guarantees covering death, permanent disability and more frequent minor injuries, and with indemnities and daily benefits for: temporary disability, convalescence, hospitalisation and bone fractures.

 

Promotional message, also of placement of insurance contracts. Before applying, please read the information at  www.metlife.it and which is also available through the distribution network. MetLife Europe d.a.c. – General Agent for Italy policy distributed by Banca Ifis S.p.A

Other services for you

Factoring

The advance payment of receivables makes a company stronger.

Loan protection

Solutions designed to protect the repayment of your loan while protecting the business.

CPI

Creditor Protection Insurance

It is the complete insurance solution that repays your loan in case of contingencies.
CPI intervenes in the event of death, permanent disability and temporary disability caused by illness or accident involving the key people of your business and which can affect regular payment of instalments of the loan. The insurance covers claims relating to Covid-19, provided that the illness was contracted after the policy took effect.

Advantages

Business continuity

Under the terms of CPI, you can pay off the loan without this affecting the economic resources of your company.

Tax deductibility

For the beneficiary company, the amount of the premiums paid constitutes a cost entirely deductible from the business income.

Flexibility and simplicity

You can insure up to 4 people, both for the entire capital funded and pro-quota, up to € 400 thousand, by completing a simple self-certified medical questionnaire.

Promotional message, also of placement of insurance contracts. Before applying, please read the information at  www.metlife.it and which is also available through the distribution network. MetLife Europe d.a.c. – General Agent for Italy policy distributed by Banca Ifis S.p.A

Other services for you

Loans in the medium and long term

A complete range of solutions to support your business and investment projects.

Financial services for pharmacies

A complete package of loan solutions for your business.

Protection for employees

Guarantees a health plan to protect your employees.

Health insurance for SMEs

Welfare as an alternative to cash bonuses

Implement a health welfare system to improve the wellbeing of your employees and their families while optimising internal costs.

Supplementary healthcare as welfare

A range of services that allow employees to be reimbursed for healthcare costs, through agreements with healthcare facilities and private specialists.

Advantages

A win-win solution
An advantage for the company, which saves in liquidity, and for the employee who obtains a benefit to improve his or her working relationship.

Covered family unit
The advantage for the worker is the reimbursement of health expenses for his or her family. The value of the contribution paid to the Healthcare Fund for the employee is not subject to taxation.

Tax deductibility
The advantage for the company is that it only has to pay the cost of the solidarity contribution of 10% to INPS (the Italian National Social Security Institution). It is deductible from corporate income and is excluded from remuneration.

Looking for information or assistance?

Write to sviluppoassicurazioni@bancaifis.it.

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