We understand your business and needs for providing tailor-made insurance.
Our team has an extensive experience and knowledge in each of our markets, which allows us to attend the needs of our clients with accurate and updated information to design solutions that are adapted to their requirements.
Designed Solutions per Region.
Property
Insurance
Business Line Insurance
Fire Insurance
Is the insurance that protects companies from damage to their insured assets as a consequence of fire as well as the heat, smoke, vapor from it and the damages caused by the means to extinguish and contain the fire. Damages due to earthquakes, tsunamis and others can be added to this type of insurance.
Business Interruption Insurance
Is the insurance that covers the benefits that the insured stops receiving in case of a claim.
3D Insurance (Dishonesty, Destruction and Disappearance) and Theft
This insurance covers the insured against dishonesty acts from the employees within the Company, if the employees are identified as such.
- Convenio I : Against Employees Dishonesty
- Convenio II : Loss of Company assets within premises
- Convenio III : Loss of Company assets outside premises
- Convenio IV : Coverage against check forgery or money falsification
- Convenio V : Coverage against bank notes forgery
- Convenio VI : Coverage against Burglary, Assault and Theft of assets or goods
Transport Insurance
Is the insurance that covers cargo and that in case of a claim will indemnify material damages and economic loss that occur as a consequence of a failure during the transport.
General Cargo Insurance
Cargo can be insured either by “all risk” or “named perils”.
- Institute Clause A
- Institute Clause B
- Institute Clause C
Perishable and Frozen Cargo Insurance
Through our international network and as representatives of SA\VE, a german specialized broker in perishable insurance, we can offer support to our clients, where the policies offered from our European partners cover temperature, delay, Controlled Atmosphere, Cold Treatment risks.
Engineering Insurance
These insurances provide protection to the insured from material damage that occurred in Construction and Civil Engineering, as well as the Civil Liability that this damage could cause. All equipment and goods used or that are going to be used for the execution of the work and located in the work site can be covered in this insurance, as long as the loss or damage is derived from an unpredictable or accidental cause.
Demolition works, removal of debris and clearance operations are covered.
- Construction All Risk (CAR)
- Erection All Risk (EAR)
- Contractor’s Equipment Floater (CEF)
- Machinery Breakdown and Failure Insurance
- Electronic Equipment Insurance
- Civil Engineering Completed Risk Insurance
- Advanced Loss of Profits Insurance (ALOP)
Credit Insurance
Credit Insurance covers companies against the non-payment risk from their clients, either in their domestic or international sales.
- Export credit insurance
- Domestic credit insurance
Guarantee Insurance and Performance Bond
Guarantee insurance indemnifies the insured against property damage suffered in case the policy holder is unable to fulfill his legal or contractual obligations.
- Seriousness of offer Guarantee Insurance
- Payment or advance payment bond
- Performance Bond
- Maintenance Guarantee Insurance
- Performance of labor and pension Guarantee
Auto / Vehicle Insurance
Is the insurance that covers direct damage against insured vehicles, auto parts, pieces and accessories as a consequence of overturning, collision, fire, lightning, explosion and damage caused as a consequence of a towing service or transportation of the vehicle.
Personal Lines Insurance
Fire Insurance - Domiciliary
Is the insurance that protects companies from damage to their insured assets as a consequence of fire as well as the heat, smoke, vapor from it and the damages caused by the means to extinguish and contain the fire. Damages due to earthquakes, tsunamis and others can be added to this type of insurance.
Vehicle Insurance
Is the insurance that covers direct damage against insured vehicles, auto parts, pieces and accessories as a consequence of overturning, collision, fire, lightning, explosion and damage caused as a consequence of a towing service or transportation of the vehicle.
Liability Domiciliary Insurance
Is the insurance that covers insured’s payments due to civil liability from personal injuries and/or material damages, caused to third parties as well as domestic workers by work accidents.
Mandatory Traffic Accident Insurance - Seguro Obligatorio de Accidentes de Tránsito (SOAT)
This is a mandatory insurance for all owners of motor vehicles that circulate as established by the General Law of Transportation and Land Transit. This insurance covers the risk of death and injury to all persons inside and outside the vehicle in the evento of a traffic accident. In addition, this type of insurance covers not only the insured and the occupants of the vehicle, but also pedestrians who may be affected during the accident.
SOAT is an independent insurance that goes in addition to any other insurance that the vehicle has and it main objective is to insure immediate and unconditionally medical care for victims of traffic accidents.
Life and Health
Insurance
Business Line Insurance
Personal Accident Insurance
Is the insurance that provides protection in case of an accident, covering the sum insured in case of Death, partial dismembering due to an accident in favor of the insured. This insurance also provides reimbursement in case of medical expenses without deductible and without a grace period.
EPS
EPS (Empresas Prestadoras de Salud or Health Provider Companies) are private companies created under the 26790 law. They provide health services with their own infrastructure or renting from a third party. They are regulated under the Superintendencia Nacional de Aseguramiento en Salud (SUNASA).
EPS gives a complementary plan to the national healthcare system provided by Essalud. This plan can be taken by the Employer directly or through a tender with the different EPS companies that provide this product.
Complementary Health Insurance for High Risk Work
This is a mandatory insurance for high risk workers that is taken by the employer. It provides coverage for work accidents that cause disabilities or death to the employee.
This insurance is mandatory for the following activities:
- Fishing
- Oil and Gas Production
- Metalic and Non Metalic Mineral Extraction
- Tobacco and / or tobacco related manufacturing products
- Textile Industry
- Leather Industries
- Wood, Wooden products, Cork Industries
- Manufacture of Chemical Products / Substances
- Construction
- Oil refineries
- Manufacturing of Oil and Carbon products / derivates
- Manufacturing of plastic products
- Manufacturing of Glass and Glass Related products
- Journalists and Cameraman
- Manufacturing of Iron and Steel
- Machine construction
- Electricity, gas and vapour
- Air Transport
- Dental services, health services and veterinaries
Life Insurance
Life Insurance pays a sum of money in exchange for a premium, upon the death of an insured person or after a set period. It provides protection also against disability and particularly castrophic diseases.
- Temporal Life Insurance
- Dotal Life Insurance
- Universal Life Insurance
- Guaranteed Value Life Insurance
Mandatory Life Insurance – Vida Ley
Is a mandatory insurance taken by the employer in favor of his employees. This insurance covers the risk of natural death, accidental death or disability due to accidents occured within or outside the working premises, but that are work related.
The coverages include:
- Accidental Death of Worker
- Total or Permanent Disability of the Worker due to a work accident.
- Natural death of worker
FOLA (Formación Laboral) – Job Training
This insurance provides health coverage for interns. They can have coverage against diseases, accidents, including ambulatory and hospitalary care.
Personal Lines Insurance
EPS Continuidad – EPS Continuity
EPS (Empresas Prestadoras de Salud or Health Provider Companies) are private companies created under the 26790 law. They provide health services with their own infrastructure or renting from a third party. They are regulated under the Superintendencia Nacional de Aseguramiento en Salud (SUNASA).
EPS gives a complementary plan to the national healthcare system provided by Essalud. This plan can be taken by the Employer directly or through a tender with the different EPS companies that provide this product.
In case an employee resigns or is fired, he or she can take this product directly until they get a new job.
Personal Accident Insurance
Is the insurance that provides protection in case of an accident, covering the sum insured in case of Death, partial dismembering due to an accident in favor of the insured. This insurance also provides reimbursement in case of medical expenses without deductible and without a grace period.
Private Health Insurance
Health Insurance that covers ambulatory and hospitalary care, clinical consults, emergencies, among many other benefits depending on the product. In some cases, this insurance covers medical care in other countries.
Life Insurance
Life Insurance pays a sum of money in exchange for a premium, upon the death of an insured person or after a set period. It provides protection also against disability and particularly castrophic diseases.
- Temporal Life Insurance
- Dotal Life Insurance
- Universal Life Insurance
- Guaranteed Value Life Insurance
Liability
Insurance
Business Line Insurance
Liability Insurance
This are insurances that generate from an obligation to indemnify that a Company or a Person has when a damage was caused to a third party. The main objective is to repair damage so the affected third party could be positioned in the same situation as it was before the sustained damage.
In Liability Insurance, the insurer pays a sum of money to the affected third party as per a court ruling, or a transaction signed by the insured with knowledge and permission of the Insurer.
This insurance can be taken via contractual or extracontractual mode and some of the coverages are:
- Vehicle Liability Insurance
- Personal Transport Insurance
- Construction Liability Insurance
- Manufacturers’ Insurance
- Workers Compensation Insurance
- Cross Liability Insurance
- Pollution Liability Insurance
- Garage Liability Insurance
- Product Liability Insurance
- Homeowners Liability Insurance
- Professional Liability Insurance
- Landlords Liability Insurance
- Cargo Liability Insurance
- Clinical Trial Liability Insurance
CONTACT AN INSURANCE BROKER HERE