Cybernetic Insurance: Cyber Insurance
With CG CIBER SEGUROS, you will obtain the most complete insurance on the market, with special coverage such as identity theft, differences in online prices arising from hacking, attacks through an external IT supplier…
Seguro de Crédito y Factoring
- one-time sale (invoice),
- sales to one client only,
- every sale on credit,
- customer sales which the policyholder wants to cover,
- up to 95% of coverage,
- with non-cancellable classifications in the insurance annuity,
- unlimited annual compensation,
- double insurance coverage with second layers,
- Stop-Loss Excess Insurance,
- long-term operations (5 years),
- manufacturing risk guarantee,
- advance payment to the suppliers/providers guarantee…
We consider different alternatives and advice you on that one which best suits your needs.
We also put a service of analysis of trade credit with surveillance at your disposal – from an Insurer’s point of view but without risk coverage, monitoring and risk control surveillance.
- Political Risks
- Surety insurance for internacional tenders
- Export Credit Insurance
- Transport Insurance for manufacturers and/or distributors
- International Service of Invoice Recovery
- Health for Expatriates and/or Displaced people
- Travel Assistance
- Kidnap Insurance / Risk Management
- Public liability adapted to local legislation
Seguro de Caución
General and Professional Civil Liability Insurance
- Operating liability
- Tenants’ civil liability
- Employers’ liability
- Cross liability
- Civil product liability
- Product withdrawal Expenses
- Bonding or mixing
- Post-work civil liability
- Assembly and disassembly costs
- Civil liability for accidental pollution
- Primary damages to property
- Professional civil liability of technical staff
- Subsidiary civil liability of subcontractors
- Pure economic Loss
- Legal defence and bail
Liability of Managers and Executives
Executives must make decisions on a daily basis, and they are not exactly easy. They are legally liable to the company, shareholders, social creditors, the staff and any other person who they may harm and they may be jointly liable with their own personal assets.
- Possibility of legal person being insured, too (not only for labor practices).
- Amount of bails and defence expenses resulting from Penal Liability of Legal entities.
- Four-year training period.
- Bankruptcy and Tax-Subsidiary Liability of Managers and Executives.
- Real and unlimited retroactivity, with no exceptions…
Seguro de Responsabilidad Medioambiental
We offer the best financial guarantee insurance adapted to the Environmental Liability Law:
· Environmental liability in accordance to Law 26/2007.
· Prevention and avoidance Costs (sublimited to 30%).
· Cleaning costs and repair costs – Primary, complementary and compensatory, both inside and outside insured risk situations.
· Civil Liability resulting from pollution – inside insured risk situation.
· Civil Liability resulting from pollution – outside insured risk situation.
· Defence and Bail.
· Pollution resulting from freight transport (either own vehicles or those of third parties).
· Business interruption insurance.
Seguro de Mercancías
Are you certain that your product arrives at your client’s door in perfect condition? Has your carrier got Goods in transit insurance? What is the cost that carriers pass on to you due to cargo insurance?
CG puts a wide coverage which will allow you to have the best protection for goods in transit. Such coverage varies depending on the economic and juridical situation of the different parties that participate in the process.
Damage Insurance for goods is completed with “IACC” Coverage, among others:
- Return to origin coverage (covering the expenses) and Expenses arising from urgent replacement
- Debris Removal
- Freight and rejection of goods
- Hidden Damage
- Derogation of exclusions arising from poor stowage/improper stowage
- Compensation advance clause
- Stock & Transit
Apart from covering the Liability derived from your own activity–risks which are established by agreements CMR or LCTTM –, you may also need new coverage for potential losses or faults in the cargo which you transport for others:
- “IACC” Clauses
- First Loss Insurance
- Expenses Arising from Debris Removal
- Damage caused by stowaways
- Errors and omissions clause
- Penalty Clause
- Special clause for refrigerated goods
Property Damage Insurance
- All-risk property damage,
- Electronic devices,
- Electrical damage,
- Brokendown machinery,
- Refrigerated goods,
- Employees’ infidelity,
- Loss of benefit,
and count on the support of asset assessment companies of CIBERSEGUROS Group to correctly assess the insured goods.