Today one of the methods of promoting insurance services becomes a corporate insurance. At the same time, it involves not only a comprehensive insurance of property and personnel of the organization, the responsibility to partners and customers; the concept of corporate interests is extrapolated to the interests of employees, their personal belongings and family members. In other words, the insurance companies try to cover all potential policyholders – individuals belonging to a field of view and range of availability at the conclusion of insurance contracts with their employers.
In addition, this tactic is not without meaning. If employees of the company witnessed an insured event in the sphere of production or received corporate policies LCA or accident insurance, and saw a good insurer to step payments, it certainly contributes to their credibility to the insurer and may contribute to the purchase of the policy on personal funds in other species. However, even if the insured event does not occur, the insurance from the partner who entrusted the leadership to stand guard over corporate interests, says a lot about the company’s reliability. In addition, to finally tip the scales in their favor insurers offer their policyholders staff additional discounts to the tariffs. This allows insurers to expand its insurance portfolio, improve its balance due to a plurality of areas of work and, ultimately, improve the performance loss that cannot fail to please them.
Considering the situation with the employee’s position, in such circumstances and with the needs of the insurance policy – a sin not to take advantage of this opportunity. Moreover, the discounts offered by insurance companies, usually involves an increase in discounts with every policy purchased. In addition, if properly calculate the sequence of acquisition of insurance can save well. Thus, the accident insurance is the cheapest form, buying yourself or the whole family, such a policy can save 3-5%, the following insurance will be cheaper by 5-7% already, you can insure an apartment or cottage, but when the discount reaches 8 – 10% or even 15% can be profitably buy hull insurance policy. The only kind where you cannot count on additional discounts – this CTP.
Another plus in this cooperation is more attention to the problems of the insurer of the insured under such corporate projects. Availability of corporate insurance contracts with an employer disciplines insurer, as a disgruntled employee (and especially if there are many) can influence the management’s decision on further cooperation, because if the insurer’s problems with payment of relatively small losses on its policies of individuals, what would be a loss when the insured event in the workplace.
For the employer, such coverage of insurance services staff friendly insurance company on the one hand says about the good earnings of his subordinates, who have something on which to insure. On the other hand, wise leaders skillfully used this fact as an additional method of motivating staff, as part of the social package of staff. Many are beginning to expand the LCA program, offering employees to increase the amount of insurance due to their self-assessments or to join the program of family members. This allows staff to help solve some of their unexpected health problems with the property, and thus accelerate the return to normal operation after the resolution of problems. All this cannot but affect the efficiency of staff, reduce staff turnover, helps to retain key employees.
Thus, we can say with confidence that the corporate projects in the area of security combined employer and employee teams, helps to jointly solve many problems.
I wish us all such employers with reliable insurance partners!
Watch this video to learn more about corporate insurance: