The latest Istat data (April 2021) estimate an increase in both the consumer confidence index (from 100.9 to 102.3) and the business confidence index (from 94.2 to 97.3). As regards the latter, there is an improvement in confidence in all sectors observed. In particular, in the manufacturing industry the index rises from 101.9 to 105.4 and in construction from 147.9 to 148.5. In market services the index increased from 85.4 to 87.1 and in retail trade from 91.2 to 95.8. A scenario that appears positive and also involves the self-employment formula in affiliation, an opportunity that deserves dedicated products also from an insurance point of view.
This is the meaning of the partnership established between Cattolica Assicurazioni SpA, one of the main players in the Italian insurance market, and Assofranchising, the Association that protects and defends the economic interests of the associated franchising networks: Cattolica Assicurazioni, in the role of Main Partner, will propose to member companies and their affiliates tailor-made insurance products. Starting from a significant fact: the diffusion of insurance policies among Italian companies is still limited and differentiated by size class. It exceeds 50% only for the main risks (fire, theft and TPL) while it remains very low for specific coverages such as product liability, environmental or business interruption and, in general, for small businesses (<9 employees).
“It is also in this perspective that we want to approach the entrepreneurial fabric in affiliation, that is to help change the corporate culture by emphasizing the importance of risk prevention. We are witnessing a revolution in the world of work, with the entry of new emerging risks such as those linked to pandemics, which entered third place in the Top Ten in Italy with a percentage of 28%, after the interruption of the activity with 45 % and IT risks, in first place with 54%. ” – says Carlalberto Crippa, Business Development & Marketing Director of the Cattolica Assicurazioni Group -. “It is also interesting to note that while there are sector-specific risks, ‘business interruption’ ranks first in the Top 5 for all sectors, from agriculture to transportation. This makes us understand that more and more we will have to go in the direction of dedicated solutions for those who decide to set up on their own, helping to identify those most suited to their needs.
This is why we have chosen to support Assofranchising in this new challenge that focuses on the people who choose this new professional adventure “. “Assofranchising this year is developing a series of strategic interventions to better support franchisors and franchisees in the post-pandemic scenario. Without a doubt, insurance products play a key role in recovery and development and we are really happy to have Cattolica Assicurazioni with us, together with which we aim to support entrepreneurs with structured offers aimed at individual needs and specific business needs. Franchising involves various industries, from large-scale distribution to services, which have dealt with the pandemic in different ways: hence the need to identify a partner capable of supporting future challenges in a personalized way ”- says Alberto Cogliati, General Secretary of Assofranchising.
Cattolica Assicurazioni has created Active Business, the policy that brings together all the protection needs for commercial, manufacturing and service companies, such as, for example, ensuring the protection of business premises, goods and equipment from main property risks both for direct damage and for business interruption, including the protection from liability that derives from entrepreneurial activity towards employees and customers.
Cattolica Assicurazioni also provides companies with cyber risk protection for the damage that a cyber attack could cause in terms of economic losses and costs to restart the business and for damage caused to third parties. Finally, products have been studied for the protection of the company in the event of the loss of its key man, for the investment of excess liquidity, to set aside and manage what must be paid to its directors and employees once the relationship is concluded (TFR and TFM) and for retirement. These are some of the solutions developed by Cattolica Assicurazioni for entrepreneurs, to help them manage their business safely: “What we want to understand is that it is better to prevent risk in order to manage it better. It’s easier to restart after a cyber attack if you already have the right insurance coverage, ”says Crippa.
“We act in a synergistic perspective” – observes Cogliati – “to allow those who choose, or have already chosen the self-employment formula, to have all the
useful tools for becoming an entrepreneur: from the policy to access to credit, Assofranchising acts as a privileged interlocutor for franchisors to help future franchisees dissolve doubts and fears “. Finally, with Active Benessere, Cattolica Assicurazioni has studied solutions for the protection of the health and well-being of a company’s employees. The policy, wide and modular, offers services and services dedicated to prevention, diagnosis, treatment and convalescence. And given the times we live in, better protect yourself first.