BUSINESS SOLUTIONS

Liability Insurance, whether or not it is a legal requirement, is crucial for ensuring the stability of any business. It covers civil liability for damages caused to third parties, including bodily injury, property damage, or financial loss, occurring in the course of business operations or from the products and services provided.

Our value proposition is to tailor solutions specifically to your business needs, rather than just offering a standard policy for a given activity.

Due to its complexity and multitude of scenarios, the logistics sector requires an appropriate response to maintain a smooth and stable operation.

Transport Insurance is the right solution for various routes and operations, as it compensates for damages that goods may incur during transit.

Whether by sea, air, or road, domestically or internationally, this product includes coverage such as theft, loading and unloading operations, acts of vandalism, and strike clauses, among others.

Credit and Surety Insurance provides compensation to third parties for credit sales of goods and services in cases where the insured companies fail to meet their legal and contractual obligations.

Regardless of the economic situation and current challenges, PRIMUM develops flexible solutions that protect your company against the risk of non-payment or insolvency, ensuring a higher level of financial stability.

In an increasingly digital era vulnerable to cyber attacks, Cyber Risk Insurance is essential for businesses of all sizes. This insurance offers protection against a wide range of cyber risks, including ransomware attacks, data breaches, and service interruptions.

Covering costs associated with crisis management, legal liability for third-party data loss, and the recovery of IT systems, this product is a vital tool for mitigating the financial and reputational losses resulting from cyber incidents.

Specifically designed for administrators, directors, and managers, this insurance protects against personal liabilities arising from decisions and actions taken in their professional roles.

It aims to cover defense costs in legal proceedings and any resulting settlements, safeguarding the personal assets of the executives.

This solution aims to ensure the financial capability to rebuild projects during their execution period and before their delivery, covering not only execution errors but also design errors and external events such as landslides and natural phenomena.

Including various stages of a project’s execution, from assemblies to technical installations and equipment, this solution is suitable for project owners and can also be contracted by subcontractors.

Workers' Compensation Insurance is legally mandatory for all employers, providing protection to employees who suffer accidents or occupational illnesses while performing their duties.

Auto Insurance can be purchased individually for a single vehicle or through a fleet policy. In addition to meeting the mandatory liability coverage, it allows for the inclusion of additional coverage such as comprehensive damage and roadside assistance, among others.

When obtained under a fleet policy, it enables a company to simplify the administrative management of this risk, potentially achieving financial efficiency through risk pooling within its own operations.

This insurance provides protection and peace of mind for medical expenses, ensuring access to a wide network of healthcare providers. Designed for individuals and families, it adapts to various medical coverage needs, from consultations and treatments to hospitalization and surgeries, promoting prevention and well-being.

Increasingly valued by companies as a crucial tool for talent retention, this insurance also benefits from corporate tax incentives.

This solution, derived from personal accident insurance, aims to ensure a monthly income for periods of up to 48 months in case of inability to work due to accident or illness.

A comprehensive solution that protects business or residential properties against a wide range of risks, such as fire, flooding, theft, and more.

It offers the flexibility to combine multiple coverage options into a single policy, adapting to the specific needs of each client.

Focused on protecting against environmental damage risks arising from business activities, this insurance provides coverage for legal liabilities due to accidental pollution or contamination.

It includes cleanup costs, penalties, and compensation for damages to third parties, promoting sustainable and responsible business practices.

It should be noted that, according to DL 147/2008, while businesses are not legally required to respond to this requirement with a policy, it is the only effective way to guarantee risk transfer.