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Business4all insurance plan
For seamless business operation
Alpha Bank SA, in addition to its status as a credit institution, also acts as an insurance intermediary. Find out more about Alpha Bank's intermediation (only in Greek).
Discover the features
What you get
1 tailored policy with full coverage
Insure your business with the basic mandatory property insurance package and choose the optional covers you need.
This way, you shape your own insurance plan based on the needs of your business, but also comply with the law about mandatory business insurance against natural disasters or civil liability. According to Law 5162/2024, businesses with over €500,000 turnover must insure at least 70% of the value of their assets.
Protection for your business property
The Business4all insurance plan is ideal for freelance professionals and owners of sole proprietorships or SMEs. You may insure:
- Buildings and building improvements
- General contents
- Mechanical equipment
- Electrical equipment
- Merchandise
Your choice of excess
You choose the amount you pay in case of damage, between 2 excess schemes : 5% or 10%.
New for old cover
In case of fire damage, you are compensated for the value of your assets as new, without impairments due to age or wear and tear.
Emergency technical assistance
In case of an emergency, an engineer will come to your business to limit the damage.
What it covers in the basic property package
Fire
- Fires, wildfires
- Smoke damage, fire damage
- Direct lightning strike, explosion
- Aircraft fall, vehicle collision
Natural disasters and water
- Flood, storm, rainstorm
- Snow, hail, frost
- Burst / leaking pipes, sprinkler malfunction
- Leak detection costs
Malicious acts and accidents
- Strikes and token strikes
- Malicious acts
- Glass pane breakage
- Short circuit
Other covers
- General civil liability
- Housing/Storing costs
- Theft damages
- Debris removal
- Architect fees
- Public authorities fees
- Loss of profit (allowance)
What it covers optionally
Other covers for property damage
- Earthquake or subsidence
- Theft
- Quality deterioration of merchandise
- Against any property risk or electronic equipment risk
- Increase of insured amount for glass pane breakage / short circuit
- Outdoor installations / objects outdoors
Loss of profit and rent
You are covered for up to 12 months for loss of:
- Profit, if the operation of your business is interrupted or hampered. The compensation depends on your income.
- Rent, if you are the owner of a damaged leased building.
Civil liability and remote work
You are protected against liability claims in case of bodily injuries or material damages caused to employees or third parties, which may occur in your business premises or surroundings.
Moreover, you are covered against accidents your employees may suffer while they are working outside your business premises or buildings.
Personal accident
You, as the business owner, and your employees are protected in case of personal accident. You have:
- 24-hour coverage in any part of the world.
- Coverage for medical costs arising after a possible accident.
Money loss
You insure your business cash, while it is kept in your cash register or safe, or is in transit.
What’s the premium and how you pay it
Starting at €80/year
You pay a premium starting at €80/year, depending on the:
- Covers you choose
- Insured amount
- Building size in square metres and the year it was built
By standing order
Pay the premium by standing order from the account you choose when you apply. Alternatively, you can set up a standing order on your credit or debit card.
Payments can be made every 6 months or year based on your premium.
What to do in case of damage
Contact Generali to report the damage caused to your business and make a claim:
- Over the phone on +30 210 809 6100
- By email to nonmotorclaims.incoming@generali.gr
Generali will send an assessor to assess the damage, if necessary, and will start the claim process.
Provided you send in any documents requested, you’ll receive the insurance payout within 10 days.
Gain even more
Exclusively with your Bonus card
Pay with your Bonus card or through the Generali website (only in Greek), and secure a discount on your premium.
| Bonus points | Discount on premium |
| 5,000 | €10 |
| 12,500 | €25 |
| 25,000 |
€50 |
| 50,000 | €100 |
| 75,000 | €150 |
| 100,000 | €200 |
| 150,000 | €300 |
| 200,000 | €400 |
With fire and theft protection measures
- Up to 35% discount on theft coverage, if your business has an alarm system, roller shutters and 24-hour security.
- 40% discount on basic property coverage, if your business has smoke detectors, fire cabinets and sprinklers.
Additional discounts
- 10% off the entire policy, if you opt for 10% excess.
- 10% off the earthquake cover, if your business is based in Northern Greece.
- 5% off if you already have a Generali car or home insurance policy.
- 5% off property coverage, if the insured amount is equal to or greater than €500,000.
The discounts apply cumulatively.
From Generali engineers
Contact the engineers working with Generali to:
- Improve your insured premises.
- Align your business with the Generali criteria on matters of fire protection, civil liability and protection against theft.
What you need to get the insurance plan
Apply provided...
- The insured amount for building facilities, merchandise and equipment is not over €1,000,000 or €2,500,000 for hotels and offices.
- You own a sole proprietorship or SME.
- Your business operating license is in force.
- The building meets the conditions.
- You are the legal representative of the business.
- You havebooked an appointment at a branch near you.
Have at hand...
The supporting documents to start banking with us or to update your details, if you:
- Are a freelancer / own a sole proprietorship.
- Own an SA, OE, PC, LTD or EE.
- Want to update your personal details.
