At Schinasi, we handle all lines of insurance, from traditional ones to specialties, providing extensive expertise and high-quality service for each line.
Property All Risks and Business Interruption
Third-Party and Employers’ Liability
Product Liability
Environmental Liability
D&O – Directors and Officers Liability
CYBER RISK
Legal Protection
MOTOR
Technological Risks (CAR/EAR and Decennial Liability)
EMPLOYEE BENEFITS
Trade Credit
Surety Bonds and Guarantees
Transport
Transaction Liability

Property All Risks and Business Interruption
Adequately protect business operations and assets.
Every entrepreneur invests in their company to see it grow and thrive. The Property All Risks policy is designed to protect companies from damage to corporate assets caused by fires, weather events, socio-political events, natural disasters, theft, and other risks, including those related to the operation of machinery and electronic equipment. Additionally, it covers the business in case of business interruption, a risk often underestimated but potentially more impactful than mere material damage.
Strategic Advantage Comprehensive protection for corporate assets with flexible and customizable solutions to ensure business continuity in case of unforeseen events.

Third-Party and Employers’ Liability
Tailored protection for your business activities.
Every business activity entails risks. An event causing damage to third parties or employees results in economic consequences that could undermine its continuity. Through a detailed analysis of corporate activities and processes, we formulate insurance coverage that mitigates the negative effects of operational risks and protects the company from the consequences of potential disputes.
Strategic Advantage With appropriate liability coverage, businesses can focus on their core activities, minimizing financial and legal risks in case of claims.

Product Liability
Greater security in case of damages caused by defective products.
Despite quality controls, issues or defects can occur in a product or an entire batch that causes damage to the client. In such cases, the company must compensate for the damage caused, which can sometimes result in significant financial burdens.
Strategic Advantage Reduce financial risk related to product recalls, covering removal, repair, and replacement costs. This protects the company from severe economic and reputational losses.

Environmental Liability
Increased security in case of damages caused by defective products Environmental protection
is a priority. We assist companies and management in analyzing critical areas and processing methods, identifying the most suitable contractual solution to avoid liability for potential environmental damage and simplify relations with competent authorities.
Strategic Advantage Autonomous management of emergency safety measures, obtaining: suspension of judgment for up to two years, reduced penalties, and release of the site from seizure.

Cyber Risk
Protection against digital threats and cyber risks.
A more digital world entails increasing cyber risks. Besides investing in adequate technologies, adopting insurance coverage against Cyber Risk is crucial. Schinasi supports clients from the analysis to the planning of activities related to managing corporate cyber issues. Additionally, we assist companies in identifying useful solutions in case of cyberattacks, data loss, and operational interruptions, aiming to protect businesses from proprietary damages (material, financial, crisis management costs, monitoring, and recovery services to reduce downtime) and third-party damages (liability for loss, management, and use of personal and sensitive data).
Strategic Advantage A tool that safeguards businesses in case of cyberattacks, with expert support for quick activity recovery.

D&O – Directors and Officers Liability
Protection for administrators and executives
The D&O policy is essential to protect both individual administrators and the company. Even the most competent managers can make mistakes that jeopardize the company and their personal assets. At the same time, the company must rely on coverage that allows it to act against its administrators and managers in cases of mismanagement.
Strategic Advantage Peace of mind for top executives, ensuring protection against risks related to corporate decisions.

Legal Protection
Coverage in case of legal proceedings or conflict situations.
In an uncertain economic context, characterized at times by ambiguous rules and unpredictable interpretations of regulations and contracts, legal disputes are increasing. A Legal Protection policy provides coverage for attorneys and legal consultancy fees, reimbursement for trial costs, expert opinions, and judicial expenses, reducing the risk of unforeseen costs associated with legal proceedings.
Strategic Advantage Legal and financial protection in situations of conflict or legal difficulties.

Motor
Coverage for your motor fleet.
For many companies, the vehicle fleet is a strategic asset of great value, significantly impacting the overall assets. Managing the insurance of this resource is crucial to protect against potential risks while also optimizing costs, ensuring operational continuity, and better administrative management of policies.
Strategic Advantage Customized solutions for efficient cost and risk management related to the vehicle fleet.

Technological Risks (CAR/EAR and Decennial Liability)
Comprehensive coverage from construction to plant commissioning
Coverage for machinery and plants, from the construction phase to commissioning and maintenance, including the creation of infrastructures and structures of any kind. These specific risks require tailored insurance solutions and in-depth knowledge of the available options to ensure adequate protection for every project.
Strategic Advantage Complete protection during all project phases, from construction to the installation and commissioning of machinery and plants.

Employee Benefit
Improving workplace well-being and experience
Attracting and retaining talent is essential for any company. We offer Employee Benefit solutions ranging from healthcare and pension coverage to corporate welfare initiatives aimed at improving employees’ quality of life. These solutions may include economic, health, pension, or leisure-related benefits.
Strategic Advantage Enhance employee well-being, improving work experience and corporate climate.

Trade Credit
Securely manage receivables and protect cash flow from potential insolvencies in Italy and abroad
Constantly monitoring debtor solvency is essential. When accurate credit monitoring becomes complex, credit insurance offers additional protection against financial risk. It helps companies operate securely, enabling them to focus on commercial growth.
For companies with subsidiaries or entities abroad and to provide high-quality local services, Schinasi leverages the international Bardo and Credea network, ensuring global-quality support.
Strategic Advantage Protection against insolvencies, risk management, better financing conditions, and support in recovering unpaid debts.

Surety Bonds and Guarantees
Tailored solutions to secure your contractual commitments
Our specialists in surety bonds can support your international development, providing guarantees issued by leading market insurers to strengthen your credibility with business partners. We offer companies solutions for guarantees required by public administrations.
Schinasi assists in obtaining the best insurance protections, from provisional and definitive guarantees for public tenders to guarantees in favor of the Revenue Agency for credits and tax deferrals.
Strategic Advantage Credibility and security for your contractual commitments with customized solutions.

Transport
Protection for goods in transit
Operating globally involves the movement of goods and materials over long distances. However, accidents involving trucks, cargo ships, and other transportation means can cause significant damage to goods. Whether shipping large quantities of products or making small, high-value shipments, Schinasi supports clients in choosing the most suitable insurance solution to protect goods from damages, losses, or delays during transport by land, sea, or air.
Strategic Advantage Security for every shipment, protecting the value of goods along the entire logistics chain.

Transaction Liability
Protect and safeguard your investment in case of M&A operations or listings on regulated markets
Today, business operations such as acquisitions, mergers, divestitures, or listings on regulated markets are part of the corporate development and growth process. Such operations always involve risks, especially in an evolving and complex market context. Depending on specific needs, coverage such as W&I – Warranty & Indemnity or IPO – Initial Public Offering is negotiated with specialized markets. The goal is to ensure adequate and effective protection for all parties involved in the operation.
Strategic Advantage A negotiation tool to operate more securely in the market during extraordinary operations and acquisitions/sales.