As an SME director, you carry your business every day. You invest time, energy, and resources to make it grow. But have you considered protecting what you’ve built? SME insurance is not just an administrative formality: it is the shield that preserves your activity, your employees, and, by extension, your family’s well-being.
At Reho Insurances, we have designed tailor-made solutions for SME directors who want to combine economic performance with asset security.
The Specific Risks Your SME Faces
Professional Liability
Every day, your business interacts with clients, suppliers, and partners. Damage caused to a third party can quickly destabilize your cash flow. Liability insurance steps in to cover these unforeseen events and protect your reputation.
Protection of Premises and Equipment
Fire, water damage, vandalism… Your work tools are vulnerable. Appropriate coverage ensures business continuity even after material damage.
Risks Related to Employees
Work accidents, prolonged sick leave… The absence of a key employee can paralyze your production. Our coverage protects you against these human contingencies.
Why the Director Must Be at the Heart of the System
You are the pillar of your business. If you were to pass away or become temporarily unavailable, what would happen to your structure? Who would take over? How would your family be impacted?
Director’s insurance includes several essential components:
- Death-disability coverage: It pays a benefit to your loved ones and can finance the business’s succession under good conditions.
- Work stoppage: In case of temporary incapacity, it compensates for loss of income and allows for the remuneration of a possible replacement.
- Legal protection: It supports you in the face of professional litigation that can arise at any time.
Schedule a personalized audit: together, let’s review your current coverage and identify any potential gaps in your protection.
Essential Coverage for Your SME
Business Owner’s Package
This basic coverage protects your premises, equipment, and stock against major incidents. Adaptable to your sector of activity, it forms the foundation of your protection.
General Liability
Essential for covering damage caused to third parties in the course of your daily activities. It reassures your clients and business partners.
Business Interruption Insurance
Often overlooked, it is nevertheless crucial: after a claim, it compensates for the drop in your turnover during the reconstruction period, preventing you from dipping into your personal savings.
Director’s Provident Insurance
As mentioned, this is the coverage that protects both your business and your family. A well-sized death benefit ensures the continuity of your structure and the financial security of your loved ones.
How to Choose the Right SME Insurance?
Assess your specific risks: A construction SME does not have the same needs as a consulting firm or a local business. A thorough analysis of your activity is the first step.
Anticipate human consequences: Beyond material assets, think about those who depend on you: employees, partners, family.
Check coverage limits: Insufficient amounts leave you exposed in the event of a major claim. It’s better to plan generously.
Prioritize contract clarity: At PROLIFE INSURANCES, we avoid legal jargon to offer you understandable and transparent conditions.
REHO INSURANCES: Your Trusted Partner
We understand the realities of SME directors. We know that your business is much more than a work tool: it is your life’s project, your professional legacy, and often the guarantee of your children’s future.
That’s why we offer:
- Flexible contracts that evolve with your business
- Sector-specific expertise for advice adapted to your profession
- Personalized support with a single point of contact
- Controlled claims processing times to bounce back quickly after a loss
« Protecting your SME means protecting your family and preserving years of effort. »
Don’t let an unforeseen event jeopardize everything you’ve built – Act NOW! Talk to a REHO advisor today for a free needs analysis.
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