Independent Insurance Broker in Antwerp
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SMEs

SMEs

More staff, more assets, more responsibility: KBRS looks at how your SME has evolved and proposes cover that matches it.
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Who it's for

Who this cover is for

Growing SMEs

For businesses hiring staff and expanding their activities.

Businesses with their own premises

For SMEs with their own office, warehouse or shop.

Businesses with company vehicles

For SMEs working with vans or company cars.

Family businesses

For companies involving multiple generations or partners.
What we insure

Protection that grows with your team and activities

Public liability

Cover for damage to customers, suppliers or third parties.

Professional liability

Protection against claims arising from errors in your services.

Fire and business interruption

Cover for your building, inventory and loss of income following a claim.

Occupational accidents

Legally required cover for your employees.

Company vehicles

Insurance for your fleet, from vans to company cars.

Cyber risks

Protection against the consequences of a hack, data leak or ransomware attack.
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Possible solutions

Options to consider

SME policy (public liability + fire)

Bundles the basic cover for building, contents and liability.

  • Building and fit-out
  • Machinery and stock
  • Damage to visitors
  • Damage caused by employees
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Business interruption insurance

Aimed at the consequences when your activity comes to a standstill.

  • Ongoing fixed costs
  • Loss of turnover during the interruption
  • Temporary premises
  • Restarting the activity
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Cyber insurance

Aimed at digital incidents and their consequences.

  • Ransomware and system outages
  • Data breaches
  • Restoring systems and data
  • Guidance during an incident
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Risks identified

What we look at

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  • Existing insurance
  • Nature and scale of your activity
  • Number of staff and their roles
  • Buildings, assets and vehicles
  • Dependence on IT systems
  • Blind spots in your current cover
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Pricing

What affects the price

1

Activity

Sector and risk level.
2

Staff

Number of employees and payroll.
3

Assets

Value of building, inventory and vehicles.
4

Cover

Basic or extended guarantees.
5

Conditions

Deductible and exclusions.
Why KBRS

Why choose KBRS

Independent advice

We compare insurers and advise what fits your SME.

Personal risk analysis

Your policies, blind spots and priorities are clearly mapped out.

Claims support

In case of damage, KBRS actively follows your file, from notification to settlement.
Frequently asked questions

FAQ

Duidelijke antwoorden over verzekeringen, risicoanalyse en schadebegeleiding.

  1. Which insurance is legally required for an SME?

  2. What exactly does business interruption insurance cover?

  3. Is cyber insurance necessary for a small SME?

  4. Can I insure all our company vehicles together?

  5. Can KBRS review our existing business policies?

  6. What should we do in case of damage to our business?

Ready to protect your SME properly?

KBRS reviews your activity, team and existing insurance and gives clear advice on the protection that fits your business.
Request a free analysis
03 202 50 30