Business Insurance

Business insurance consists of policies issued by insurance companies to cover shops, offices and companies against risks that can affect their day-to-day activity. Depending on the policy purchased, they usually include property damage to the premises and their contents caused by fire, theft or water damage, as well as civil liability for damage or injury to third parties.

Some policies may also include protection for electronic equipment, glass or valuables, and loss of income due to interruption of the activity. The scope, sums insured, deductibles and exclusions depend on each company and are set out in the policy conditions; that is why it is worth reviewing them carefully before purchasing.

I am Cinthia Careaga de Camé, Insurance Agent with License No. 2552, and I serve clients from Hernandarias, Alto Paraná. As an agent I do not issue policies or pay claims: my role is to advise you and act as intermediary with the insurance companies authorized by the Central Bank of Paraguay (BCP).

• Analysis of your activity: I review your industry, premises and assets with you to identify which risks are worth insuring.
• Proposals explained: I help you compare coverages, exclusions, deductibles and costs in plain language.
• Management and support: I manage your policy and its renewals, and I support you in reporting a claim and following it up with the company.

To request a quote, some basic information is generally enough. The insurance company may request additional information or an inspection of the premises before issuing the policy.

• National ID card or RUC (tax ID) of the policyholder or the company.
• Industry and description of the activity.
• Address and characteristics of the premises: owned or rented, type of construction and security measures.
• Estimated value of the building, merchandise, furniture and equipment.
• Coverages you are interested in and policies currently in force, if any.

The quote is a no-obligation request: it does not commit you to purchase.