What this is really about

Business liability, property, cyber, accident and daily sickness benefits are connected. A gap in one place can affect several areas later.

Coverage should fit the industry, revenue size, employee count and contractual obligations.

Fianza structures these topics so SMEs know what matters and what can wait.

What to pay attention to

• For companies and self-employed people, it is not enough that insurance exists. It must fit the business model, revenue, team and risk.
• Review liability, assets, cyber, accident, daily sickness benefits, pension planning and liquidity together.
• Also check contracts with clients, landlords or partners. They may require specific coverage or certificates.

Common pitfalls

How Fianza supports you

• Fianza looks at business risks not as a list of products, but as a system of responsibility, liquidity, pension planning and daily operations.
• Advice helps set priorities: critical, useful, nice-to-have or something to review later.
• The result is a structure that can grow with the company while staying understandable.