Insurance: cover designed around your situation
We review the insurance for your business or your home. We often pay for insurance that doesn’t cover what we think it does, or we’re missing exactly the one we need most. We review what you have, compare options and support you if you ever need to use the policy.
Policy review
We look at the insurance you already have and spot any overlaps or gaps in cover. Many insurance policies can be improved without paying more.
Businesses and self-employed
Civil liability, multi-risk, fleet or collective-agreement accident cover. If needed, we take care of switching your insurance for you.
Individuals
Home, life, health and vehicle, tailored to every stage of life.
Insurance for businesses and families
Your insurance should genuinely protect you. If you’re not sure what your insurance covers, let’s talk.
Your insurance in four steps
Getting to know each other
An initial conversation, by phone or at our office, to understand your situation and what you need.
We review the documents
We gather the necessary documents and details, and tell you clearly if anything is missing.
We get to work
We prepare, file and process whatever is needed, with clear timelines from the start.
Follow-up
We keep you informed and check that everything stays in order. If anything comes up, we let you know. And we review your insurance every year so it never becomes outdated.
Common questions about insurance
If you have any other questions about insurance, write to us and we’ll answer them.
What insurance does a business need?
It depends on the business, but you almost always need public liability cover, insurance for the premises and contents, and the accident insurance for employees required by the collective agreement. Depending on the case, vehicle, cyber-risk or directors’ liability insurance may also be worthwhile. We review the policies you already have before proposing new ones.
Can you review my home insurance?
Yes. We look at your home, mortgage-linked life, health or vehicle policies and check whether the cover matches what you really need and whether the price is reasonable. We often find duplicate cover, outdated sums insured or cover that no longer makes sense.
Do you work with a single insurer, and is switching a hassle?
No. If we decide a change makes sense, we take care of requesting quotes, comparing them with you and cancelling the previous policy in line with the notice period, which is usually one month before renewal. All you have to do is approve the final decision.
No. We compare offers from several insurers to find the balance between cover and price that suits you best. We won’t suggest a policy just for the sake of switching.
What happens if I have a claim or a question?
You call us and we guide you on how to report it and what documents you need to provide. We follow up with the insurer so the claim doesn’t get stuck. Having your policies properly reviewed before anything happens is the best way to avoid surprises when you need them most.
The same person who handles all your other matters at Sergom. That way you don’t have to explain your case every time.
How often should you review your insurance?
At least once a year, before renewal, and whenever there’s a significant change: new premises, more employees, home renovations or a new vehicle.
Are company insurance policies tax-deductible?
In general, premiums on policies linked to your business activity are a tax-deductible expense for the company or the self-employed person. We review this as part of your tax affairs so you can make the most of it.
What our clients say
“Un equipo excepcional. Profesionales, cercanos, resolutivos y con un asesoramiento impecable.”
“Llegamos con un problema, saben ver tus necesidades y lo resolvieron de manera muy profesional y directa. 100% recomendable. Muchas gracias.”
“Hace tiempo que trabajamos con Sergom, que da respuesta, asesoramiento y acompañamiento a nuestras necesidades financieras.”
“Muy buena experiencia. Cercanos, profesionales y siempre dispuestos a ayudar y resolver cualquier duda. Da gusto encontrar gente que te lo pone fácil. Muy recomendables.”
“Un tracte genial i molt professional.”
“¡Gran equipo! Si buscas asesoramiento, este es tu sitio.”
“Trato impecable y un servicio de contabilidad de máxima calidad. Siempre responde rápido a cualquier duda, se anticipa a las necesidades de mi actividad y gestiona todo de forma transparente y eficiente. Sin duda, un gran apoyo profesional.”
“Como autónomo, contar con su equipo para llevar mi contabilidad ha sido un acierto total. Tienen un servicio impecable, rápido y súper organizado.”
“Muy buena experiencia. Trato cercano, profesional y rápido. Siempre disponibles para resolver dudas y explicar las cosas con claridad. Muy recomendables.”
“Estamos muy contentos con Sergom Consultors. Nos acompañan en la gestión contable y fiscal, y nos han ayudado en toda la estrategia y el crecimiento de la empresa.”
“Trato muy cercano y eficiente. Les puedo consultar cualquier duda aunque no sea de la empresa. Me la resuelven rápido y eficientemente. No puedo estar en mejores manos.”
“Llevamos años trabajando con ellos y estamos encantados. Realmente te despreocupas, porque sabes que estás en buenas manos.”
