Podsumowanie webinarium: MŚP – Od zarządzania ryzykiem do zarządzania ubezpieczeniami

Find the summary report of the January 2024 webinar hosted by Cyril Cousergue, insurance and risk analysis expert for ERA Group. With 30 years of experience as a CFO, Cyril has had the opportunity to deal with a wide variety of situations that have an impact on the type of insurance policies that should be taken out for an SME/SMI. This webinar was an opportunity to discuss the various points that every business owner should keep in mind when choosing the right insurance at the right price.

• Is my insurance really right for my business?

It all depends on the risks to which you are most exposed. A food processing company will generally have greater civil liability needs than a heavy industry company. Best practices:

• Establish a risk map
• Consider risk/cost optimisation

• How to assess risk coverage?

By conducting a comprehensive review of your business (purchasing, sales, production, cybersecurity). You will then be able to assess whether you can bear certain risks without necessarily resorting to an insurance policy, or avoid them in whole or in part. Best practices:

• Define a risk management policy

• How can I reduce the cost of my insurance policies?

Depending on your type of business and your customers, your claims history, the level of the various coverage limits and deductibles, and finally the exclusions in the contract, there are several levers you can activate: competitive bidding, tracking down duplicates, consolidating contracts, etc. This often leads to savings. Best practices:

• Compare insurance contracts
• Consult an independent expert who specialises in your sector

In conclusion: As a business owner, you are like a juggler: you cannot improve everything at once, but you can make wise choices based on your activities, risks, coverage and pricing. For more information and to obtain all the data provided during the webinar, please contact Cyril COUSERGUE, Insurance and Risk Analysis Expert at ERA Group.