The service sector accounts for the largest share of GDP in developed economies. It is also one of the sectors generating the highest added value, and is therefore inseparably linked to the everyday life of the entire population. Given the variety of services on offer, it is impossible to express the number of activities the sector covers. However, the breadth of this range seriously affects the risk that any provider’s error may have potential far-reaching consequences.
It follows from the above that insurance for entities in this important sector of the economy is not a simple matter: each provider needs an individual approach, and it is necessary to assess its specific risks and how best to cover them with insurance products. It is clear that restaurant and hotel insurance needs to cover different risks than the insurance of lawyers or IT companies. Therefore, when assessing insurance policies, our experts always examine the specifics of the service area and prepare insurance policies that are individually tailored for specific activities.
We understand your risks.
We are SATUM
01. Risk analysis
We carry out thorough risk inspections and analyse the current loss experience in order to properly set up insurance protection. We provide clients with valuable recommendations that primarily serve to minimize risks arising from their operations.
02. Insurance program
When creating an insurance programme, we take into account the needs and requirements of the client that were identified in the risk analysis. The goal is high-quality insurance cover, correctly set insurance payment limits and insured amounts, and the negotiation of above-standard agreements with insurance companies.
03. Insurance Management
During the insured period, we take pains to ensure you get the most effective insurance protection over the long term. This also includes operational adaptation to clients’ requirements, or to changes in their operations or protected property.
04. Damage solutions
We will expertly settle those insured events that do occur, with emphasis on prompt settlement and payment by the insurance company of damage incurred. We provide clients with regular reporting and analyses, which further contribute to the optimization of insurance programmes.
05. Advice and services
Advice and services
We prepare tailor-made risk and insurance training for our clients’ employees. We are a regular participant at professional conferences, where we share our long-term experience in the field with the other participants.