Commercial crime insurance covers financial losses incurred by the insured as a result of embezzlement and computer-based fraud. This product is designed to provide the insured with coverage against both internal threats (disloyal conduct of employees), and external threats (hackers, viruses and malware).

• his cover operates in respect of
• Loss resulting from attacks, cyber crime;
• Loss from business interruption;
• Direct-pecuniary losses resulting from disloyal conduct;
• Third party liability;
• Parallel activity;
• Damage, destruction to or disappearance of money or securities;
• New subsidiaries.

Insurance against the civil liability of administrators, auditors and managers operates for asset losses caused to third parties as the result of errors or omissions committed in the exercise of their duties.
This product is designed to guarantee the personal assets and payment of defence costs incurred in the event of claims by third parties who believe, rightly or wrongly, that they have suffered damage as a result of an unlawful act committed by an administrator, auditor or director of a corporation.
Cover is provided for illegal acts committed by directors, auditors and managers in the performance of their duties and provides the following guarantees:

• Personal liability insurance;
• Objective civil liability;
• Refunds to the company;
• Investigation costs;
• Expenses for the restoration of reputation;
• Representation in investee companies;
• Constitution or acquisition of new subsidiaries;
• Observation of compliance period;
• Observation of compliance period for former directors, statutory auditors, managers or other corporate bodies;
• Claims related to errors in the management of labour relations.

Professional liability insurance covers the financial losses suffered by the client as a result of errors or omissions in the provision of professional services.
This product is designed to cover all areas of risk that financial institutions face in the course of their business operations.
Coverage is provided in relation to illegal acts, real or imagined, committed in the exercise of professional activities and covers the following situations:

• Negligence, errors or omissions that cause damage to property, being the source of damages claims by third parties;
• Defamation;
• Intellectual Property;
• Vicarious liability;
• Loss of documents;
• Extension to new subsidiaries.

Professional liability insurance covers the financial losses suffered by third parties as a result of errors or omissions committed during activities carried out by professionals or companies that provide professional services.
The product is designed to cover all areas of risk that professionals and companies that provide professional services face in the course of their business operations.
 
Coverage is provided in relation to illegal acts, real or imagined, committed in the exercise of professional activities and covers the following situations:

• Negligence, errors or omissions that cause damage to property, being the source of damages claims by third parties pursuant to art.li 1173 and following CC ; “bonds in general";
• Interruption of third parties' operations and consequent financial loss;
• Malice of employees and co-workers;
• Insult and defamation and invasion of privacy;
• Breach of intellectual property rights, copyrights, and trademarks (excluding patents);
• Breach of copyrights and trademarks;
• Tax penalties, penalties and fines imposed on the customers of the Insured;
• The consequences of loss, destruction or deterioration of records, documents or securities in bearer form, even if resulting from theft, robbery or fire;
• Automatic insurance in case of acquisitions;
• Compensation for attendance at proceedings;
• Auditing tasks (for Lawyers and Accountants);
• Full approval (for Accountants);
• RCT/O.

Product liability insurance from work for financial losses caused to third parties in connection with the issue of prospectuses.
This product is designed to protect the company and the people involved in the preparation of a prospectus for the issue of securities (stocks or bonds).
Coverage is given to issues related to the preparation of a prospectus and provides the following guarantees:

• Liability for prospectus disclosure of the insured person;
• Refunds to the issuer;
• Liability for the prospectus of the issuer;
• Defence costs of the selling shareholder;
• Costs of remedying reputation damage.

Professional and managerial indemnity insurance for managers of investment funds covers financial losses suffered by third parties as a result of an error or omission in the management of investment funds.
This product has been designed to meet the professional and managerial liability of investment managers, advisors and managers of investment funds.
The insurance provides cover for unlawful acts committed as investment managers and provides the following guarantees:

• Consulting and professional liability for investment management;
• Professional liability of the fund, the manager and the directors;
• Liability of managers and directors for investment advisory services;
• Automatic covers of new funds;
• New subsidiaries;
• Presence for surveys and tests;
• Extension for positions in affiliated or investee companies.

Employers' liability insurance covers financial losses suffered by employees as a result of unlawful acts committed in the management of labour relations.
This product covers liability resulting from errors committed in the management of labour relations.

The insurance provides cover for unlawful acts, real or imagined, committed in the management of labour relations and provides the following guarantees:

• Unlawful acts committed in the management of subcontractor relationships;
• Protection of personal data;
• Management of a crisis in labour relations;
• Replacement of an employee;
• Cost of publishing a judgement;
• Preventative legal advice.
• Observation of compliance period;
• Constitution or acquisition of new subsidiaries;
• Officials of investee companies.

Liability insurance coverage covers financial losses suffered by third parties as a result of errors or omissions committed by directors, officers and employees of a public administration in the performance of institutional activities carried out by the entity to which they belong.
This product covers all the areas of risk that directors, officers and employee s of a public administration are exposed to in the performance of institutional activities carried out by the entity to which they belong.

The insurance covers the entity and the individuals and has the following features:

• The insurance covers all the activities permitted by the laws and regulations governing the - administrative liability of public employees;
• Claims-Made: the guarantee covers claims and the circumstances reported during the period of validity of the policy;
• Extension for the gross negligence of employees which may be taken out as an option;
• Unlimited retro-activity;
• Subsequent guarantee valid for up to 36 months;
• Subsequent guarantee coverage for insured that are no longer in business, for up to five years (free of charge);
• Costs and expenses of up to 25% of the ceiling and in addition thereto;
• No deductible for individuals;
• Property losses in respect of technical staff always included; in respect of administrative staff the functions set out to legislative decree 81/2008 (which repealed Decree 626/94) are also included;
• Damage to the works including;
• Including the activities of external administration, ecological and environmental consulting; joint liability as between policyholders;
• Including the co-liability as between policyholders;
• In respect of the Merloni law, it is expected that special certificates will be issued for up to 48 months;
• Includes security and privacy.