Premium calculation · Business
Business insurance
The reference case costs from €314 to €365 depending on the company. From there, 2 tables with 7 bands in all raise or lower the price - the same steps at every company, a different height.
The reference case
Every factor below is 1.00 for this case. Its price is each company's base, plus the rates on the sums it declares.
- Line of business
- Shop without fire - bookshop, florist, pharmacy, gym
- Building value (€)
- 150,000
- Contents value (€)
- 40,000
- Employees
- 2
The tiers
The price of the basic example by tier, base and percentages on the sums insured, at the company with the cheapest and the company with the dearest estimate.
| Plan | Cheapest | Dearest | Spread |
|---|---|---|---|
| Fire and basic perilsCovers building and contents, with excesses. | €277Anytime | €320Allianz Ευρωπαϊκή Πίστη | +16%16 companies |
| Full packageAdds theft and business interruption, with no excesses. · the reference tier | €314Anytime | €365Allianz Ευρωπαϊκή Πίστη | +16%16 companies |
| With earthquakeAdds earthquake as well. | €516Anytime | €596Allianz Ευρωπαϊκή Πίστη | +16%16 companies |
The factors
The same bands at every insurer, different coefficients
Every figure is one table of the calculation. The two columns in each band are the cheapest and the dearest estimate for the basic example.
From × 0.70 to × 1.60 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | Anytime | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| Office, clinic, tutoring school | × 0.70 | × 0.84 |
| Shop without fire - bookshop, florist, pharmacy, gym | × 1.00 | × 1.00 |
| Clothing, restaurant, furniture, workshops | × 1.23 | × 1.12 |
| Bakery, joinery, drinks, catering | × 1.60 | × 1.32 |
From × 1.00 to × 1.30 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | Anytime | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| up to 3 people | × 1.00 | × 1.00 |
| 4 – 10 people | × 1.12 | × 1.06 |
| 11 people and over | × 1.30 | × 1.16 |
Rates on declared sums
Whatever is priced on a sum you declare, the value, the building, the capital, enters the price before the factors.
| Cover | In tiers | Cheapest | Dearest |
|---|---|---|---|
| Building, 0.1% on €150,000on €150,000 | Covers building and contents, with excesses., Adds theft and business interruption, with no excesses., Adds earthquake as well. | 0.85‰€128 · Anytime | 0.97‰€145 · Allianz Ευρωπαϊκή Πίστη |
| Contents and stock, 0.3% on €40,000on €40,000 | Covers building and contents, with excesses., Adds theft and business interruption, with no excesses., Adds earthquake as well. | 2.6‰€104 · Anytime | 2.96‰€118 · Allianz Ευρωπαϊκή Πίστη |
| Theft, 0.1% on €40,000on €40,000 | Adds theft and business interruption, with no excesses., Adds earthquake as well. | 0.66‰€26 · Anytime | 0.75‰€30 · Allianz Ευρωπαϊκή Πίστη |
| Earthquake, 0.1% on €190,000on €190,000 | Adds earthquake as well. | 1.04‰€198 · Anytime | 1.18‰€225 · Allianz Ευρωπαϊκή Πίστη |
Extra covers
A flat price a year, unless the tier already includes it.
| Cover | Inside the tier | Cheapest | Dearest | Spread |
|---|---|---|---|---|
| Public liabilityThe customer who slips, the shelf that falls, the damage to the shop next door from your fire. Priced by the number of employees. | - | €80Anytime | €103Allianz Ευρωπαϊκή Πίστη | +29%16 companies |
| Employer's liabilityYour employee's accident at work, beyond what the state fund pays. Compulsory in practice for anyone who employs even one person. | - | €53Anytime | €69Allianz Ευρωπαϊκή Πίστη | +30%16 companies |
| Shopfront glassWindows, glass, mirrors, illuminated signs. Included in the full package. | Adds theft and business interruption, with no excesses.Adds earthquake as well. | €40Anytime | €52Allianz Ευρωπαϊκή Πίστη | +30%16 companies |
| Till robberyThe cash in the till and in the safe, in a robbery or a burglary. Included in the full package. | Adds theft and business interruption, with no excesses.Adds earthquake as well. | €40Anytime | €52Allianz Ευρωπαϊκή Πίστη | +30%16 companies |
| Business interruptionA fixed sum for every day the shop stays shut after a covered loss, for a few months. Included in the full package. | Adds theft and business interruption, with no excesses.Adds earthquake as well. | €53Anytime | €69Allianz Ευρωπαϊκή Πίστη | +30%16 companies |
| Spoilage of refrigerated stockThe power cut that ruins the stock in the fridges. For food, pharmacies, catering. | - | €31Anytime | €40Allianz Ευρωπαϊκή Πίστη | +29%16 companies |
| Cyber insuranceThe attack on your till system or your customers' data, and the fine that follows. The newest cover in the package and the dearest. | - | €107Anytime | €138Allianz Ευρωπαϊκή Πίστη | +29%16 companies |
Minimum premium: from €45 to €57 depending on the company. No price falls below its own.