We bring you insurance capacity you can’t find yourself.

There are no specific rules for who a business considers a key person.

It is an owner or employee that provides a direct contribution to the company’s bottom line. They may also be a key man in their operations.

People to consider when purchasing a key man insurance policy include:

• Engineers
• Difficult to replace personnel
• Heads of product development
• Leading sales personnel
• C-suite executives such as a CEO or COO
• Partners or co-owners of a firm

Keyman insurance policies can vary significantly in terms of what is covered and under what circumstances. The cover can include:

• Death
• Critical illness
• Disability
• Cost of temporary staff

Keyman insurance cover can be taken out by policyholders in all EU countries.

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For pilots if they fly as their primary source of income:

• Commercial flying
• Instructional flying
• Agricultural
• Aerial work

For marine professionals like:

• Commercial mariners
• Charter skippers
• Professional crew
• Delivery skippers
• Marine mechanics and repairmen
• Marine engineers

Loss of license insurance policies can vary in terms of what is covered and under what circumstances. The cover can include:

• Temporary loss of license
• Permanent loss of licence
• All causes death

Loss of license insurance cover can be taken out by policyholders in all EU countries.

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For individuals worldwide.

The specific coverage details can vary based on the insurance plan selected, the policy, and the insurer.

Expat healthcare insurance cover can be taken out by individual policyholders worldwide.

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SUL product is for pension plans in Denmark only, provided exclusively via pension insurance brokers.

Denmark

SULDanmark (www.suldanmark.dk)

Companies provide health insurance as employee benefit to attract and retain employees plus support speedy treatment and recovery. 

Health insurance cover offers:

1.PRIVATE HOSPITALISATION

• Short term – ambulatory treatment (Gold plan)
• Long term (Silver and Gold plan)
• Hospitalisation related services like medical expenses, rehabilitation, home nursing, transport costs

2.COMPLEMENTARY & ALTERNATIVE TREATMENTS

• Psychologist/Psychoterapist
• Physiotherapist
• Chiropractor
• Osteopath
• Acupunture
• Reflexologist

3. ONLINE DOCTOR & TRAUMA ASSISTANCE

• Denmark

GodSundhed health insurance for Denmark

Companies provide dental insurance as employee benefit to attract and retain employees plus support the overall well-being of employees.

Dental insurance cover offers:

1.REGULAR DENTAL TREATMENT COVER IN THE HOMELAND AND ALL EU:

• Check-ups
• X-rays
• Local anaesthesia
• Fillings
• Root canal treatment
• Tooth extractions
• Periodontal treatments
• Crowns
• Dentures
• Implants
• Adult orthodontics

2.WORLDWIDE ACCIDENT DENTAL TREATMENT COVER.

3. ORAL CANCER TREATMENT COVER IN THE HOMELAND.

• Poland
• Denmark

Cavitas dental insurance in Europe

Life insurance is for individuals like:

• Parents with young children or dependents with functional needs
• Spouses who provide most of the income
• Older adults without savings
• Young adults with private student loans
• Business owners

Life insurance can be also taken out by corporates for group of employees as employee benefit or as keyman insurance where beneficiary is corporate itself.

The primary feature of term life insurance is the death benefit, a lump sum payment made to the beneficiaries upon the policyholder’s death. This benefit is intended to provide financial support for expenses like living costs, debts, education, or funeral costs.

Life insurance cover can be taken out by corporate or individual policyholders in all EU countries.

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Electronics extended warranty is a perfect add-on product in businesses like:

• Retail stores selling electronic items
• Leasing companies leasing various types of electronic equipment
• Banks providing consumer loans to their customers to buy electronic items
• IT and tech companies which require uninterrupted functioning of computers, servers, and other tech equipment

An electronics extended warranty generally extends the coverage provided by the manufacturer’s standard warranty, offering additional protection against malfunctions and defects after the original warranty expires. While the specifics can vary by provider and product, here’s what they may cover:

• Replacement of the device or item
• Parts and labor costs
• Mechanical and electrical failures
• Defects in materials and workmanship
• Accidental damage
• Power surge protection

Electronics extended warranty cover can be taken out by legal entity policyholders in all EU countries.

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For any legal entities that collect payments on a subscription basis.

Payment exemption cover can be taken out by legal entity policyholders in all EU countries.

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• Businesses of all sizes
• Healthcare providers
• Financial institutions
• Retailers
• Educational institutions
• Government agencies
• Technology companies
• Professional service providers

Cyber insurance policies can vary significantly in terms of what is covered and under what circumstances. The cover can include:

• Data breach and privacy management
• Cyber extortion defense
• Legal fees and fines
• Business interruption losses
• Data recovery
• Network security liability
• Identity theft
• Crisis management and public relations
• Forensic investigation
• Coverage for errors by employees

Cyber insurance cover can be taken out by legal entity policyholders in all EU countries.

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For the groups like:

• Subscription based groups
• Membership based groups
• Affinity groups
• Associations
• Bank card owners
• Goverment organizations
• Insurance policy holders where terror cover is excluded

• Accidental death
• Accidental permanent total disability
• Maximum cover is €100.000 per insured person
• 24/7 365 days country of residence cover to the insured person
• Travel cover includes family members (spouse/partner + dependent children until the age of 23 if in full-time education) whilst accompanied by the insured person
• Travel cover provided for full duration of the trip up to maximum length of 30 days outside country of residence

Terror victim insurance cover can be taken out by legal entity policyholders in all European Union but cover applies for travels in worldwide.

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For the following professionals:

• IT
• Architects / Engineers
• Lawyers
• Business consultants
• Accountants
• Insurance intermediaries
• Insurance underwriting agencies
• Translators

The specific coverage details can vary based on the policy, the insurer, and the nature of the profession. The cover can include:

• Legal defense costs
• Settlements and damages
• Claims and allegations of negligence
• Loss of documents
• Breach of confidentiality
• Defamation and libel
• Infringement of intellectual property rights

Professional indemnity cover can be taken out by legal entity policyholders in Lithuania, Latvia, Estonia, Bulgaria, Hungary, Slovenia, Malta, Croatia, Cyprus, Romania, Poland, Czechia, Slovakia, Greece.

Read more and submit request form here