Proteggere il credito aziendale:

Protecting corporate credit: Inser's immediate solutions

Protecting corporate credit: Inser's immediate solutions

Proteggere il credito aziendale:

In today's turbulent economic landscape, businesses face unprecedented challenges, one of which is credit protection

More 6% in 2023 and more 10% in 2024. These are the numbers of global corporate insolvencies according to a recent study by Allianz Trade, which adds a small caveat: the figure is set to rise. Going even more specific, more than 8 thousand cases of legal insolvencies are expected in Italy at the end of the current year (the increase from 2022 is 15%) and more than 10 thousand during 2024.

 

The causes may be subject to different factors, among them prolonged pressure on profitability, reduced cash reserves, and restrictive financial conditions that have been prolonged longer than expected.

 

These numbers should give pause for thought about how extensive and real the insolvency system is, especially at the end of the last, difficult economic period.

 

Since businesses are the growth engine of society, we believe that protecting and controlling credit are among the main actions for the development of businesses, thus the country. Through its specialized team, Inser supports you in finding the best credit protection insurance coverage, providing effective tools against the risk of default, and does so through policies tailored to each company.

These include:

Short-term trade credit insurance

This is a type of policy that covers losses resulting from the non-repayment of trade receivables that have short-term deferrals: if the customer is found to be insolvent, trade credit insurance can cover losses up to a specific amount.

Medium- to long-term credit insurance

It follows the same principle as short-term credit protection, but is designed to insure the business over a longer period, up to a maximum of 60 months. It is a suitable form of policy for companies managing long-term contracts.

Export credit insurance

It is a form of protection for leading export companies, and covers the risks associated with international transactions even on the individual customer-including any risks of political instability in foreign countries.

Credit insurance for small businesses

Inser is working daily to ensure that even small and very small businesses can benefit from the necessary protection, offering greater financial security against non-payment. These are policies tailored to each client's needs.

Constant monitoring

In addition, we offer services aimed at assessing the risk associated with your debtors through analysis of their financial strength and economic conditions that may change over time, as well as providing ongoing advice and support to develop the best credit management strategy.

At a time in history when economic challenges are multiplying, relying on a trusted partner becomes essential to the survival and success of your business. As a result, credit protection becomes the key strategy to ensure the resilience and prosperity of Italian businesses.

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Nuova acquisizione per Inser Spa in Friuli-Venezia Giulia: EnneEmme srl entra nel Gruppo

New acquisition for Inser Spa in Friuli-Venezia Giulia: EnneEmme srl joins the Group

New acquisition for Inser Spa in Friuli-Venezia Giulia: EnneEmme srl joins the Group

Nuova acquisizione per Inser Spa in Friuli-Venezia Giulia: EnneEmme srl entra nel Gruppo

Inser is still growing in Friuli-Venezia Giulia thanks to the recent acquisition of EnneEmme Srl, a brokerage company founded in 2009 by Dott. Marcello Nobile

EnneEmme has consolidated over time a valuable and close relationship with customers, and with the entire Friuli market, ensuring over time a personalized and tailored advice for the protection of its policyholders, also thanks to the application of technical specifications of "Risk Management and Loss Prevention".

 

For over forty years, Inser has been guaranteeing an innovative and high-standing brokerage service throughout the country, as well as a constructive dialogue with all client companies, focusing on relationships and human relationships; a real model of proximity consulting, able to protect the communities and businesses that have chosen to share their path with our consultants. There is therefore great enthusiasm in sharing this news, but also the certainty that the acquisition of EnneEmme srl will contribute to a more decisive and interesting competitiveness in the Friulian territory.

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Investire sulla cultura: Inser e il sostegno alla mostra di Lorenzo Lotto a Bergamo

Investing in culture: Inser and support for Lorenzo Lotto’s exhibition in Bergamo

Investing in culture: Inser and support for Lorenzo Lotto’s exhibition in Bergamo

Investire sulla cultura: Inser e il sostegno alla mostra di Lorenzo Lotto a Bergamo

We have always considered culture as the engine of the development of society and as a space for individual and collective growth.

For us, investing in culture means giving value to the past, strengthening the present and directing the future on the tracks of progress. For this reason, when we had the opportunity, within Bergamo and Brescia Italian Capitals of Culture, Inser helped promote the exhibition of "The letters of Lorenzo Lotto and the inlaid choir of Santa Maria Maggiore"from 13 April to 31 May 2023 at the Basilica of Santa Maria Maggiore, in Bergamo.

 

The growth of a community comes above all from the attention that, as a society, we turn to the culture, cradle and history of our civilization. We thank those who gave us the prestigious opportunity to contribute to exposing the letters and, consequently, to increase the spaces and cultural opportunities of the city of Bergamo

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Inser: un sostegno fondamentale alla 2° Galileo Padel Cup del Lions Club Padova Galileo Galilei

Inser: a fundamental support to the 2nd Galileo Padel Cup of the Lions Club Padova Galileo Galilei

Inser: a fundamental support to the 2nd Galileo Padel Cup of the Lions Club Padova Galileo Galilei

Inser: un sostegno fondamentale alla 2° Galileo Padel Cup del Lions Club Padova Galileo Galilei

Inser, a company that has always been committed to social and community issues, has supported the 2nd Galileo Padel Cup, a charity amateur Padel tournament organized by the Lions Club Padova Galileo Galilei.

The event took place on Saturday, October 14 at the Guizza Padel Center, in via Guido Gozzano in Padua.

 

It was an initiative that highlighted the importance of joining forces to help those who need it most: the whole day, in fact, was organized to support the service of the Galileo Galilei Padua Lions Club dedicated to Childhood Autism.

 

Inser enthusiastically embraced this charitable cause, recognizing the importance of helping to improve the lives of the children and families involved.

 

For us and for all the participants it was an extraordinary day in which the passion for sport was combined with support for others.

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Sinistri aziendali: dalla minaccia alle opportunità

Business claims: from threat to opportunity

Business claims: from threat to opportunity

Sinistri aziendali: dalla minaccia alle opportunità

We offer a full range of insurance services designed to protect you from direct damage and business interruption

Companies, large or small, are constantly exposed to a series of operational risks that can compromise the financial well-being and continuity of the company: fully understanding its effects is essential to ensure the survival of its business. In this article we will explain how Inser can help you protect you from material and intangible damage in a comprehensive and targeted manner.

 

The claims, a thorn to the survival of the company

Corporate casualties take many forms, including fires, floods, theft, vandalism and workplace accidents. These are all events that cause significant material losses, putting the survival of the company at risk.

 

But in addition to direct damage to property and structure, claims can cause long-term economic damage. It is so-called intangible damage, such as loss of customers due to a compromised reputation, legal costs and income losses due to business interruptions, maintenance of personnel costs or expenses related to electricity supplies.

 

According to the latest data provided by Union Camere, the cost of indirect damage is on average twice as high as the direct one, which underlines the importance of protecting the company from this type of risk.

 

Business interruption

Inser offers a full range of insurance services designed to protect you from direct and indirect damage. In particular, in addition to including cover for each type of claim, we offer an innovative solution linked to business interruption, so as to protect the corporate contribution margin. The latter is very often neglected insurance, but it plays a crucial role for those who are forced to suspend their activity even if, on the other hand, it continues to bear significant economic costs.

 

Protecting you is more than a moral duty, it is a necessity: safeguarding the present, protecting the future and supporting the company and its employees is a commitment that Inser can offer you with tailor-made insurance solutions.

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Affrontare i danni ambientali: Inser e la tutela delle aziende

Addressing Environmental Damage: Inser and Protecting Businesses

Addressing Environmental Damage: Inser and Protecting Businesses

Affrontare i danni ambientali: Inser e la tutela delle aziende

In the current landscape, awareness of the impact of business activities on the environment has become crucial not only to ensure sustainability, but also to preserve the financial soundness of the companies themselves.

The environmental damage comes from multiple sources with devastating consequences for both the ecosystem and the company budget. In this context, Inser is a reliable partner for companies, guiding them in risk assessment and management, as well as in the choice of appropriate insurance solutions.

 

Environmental damage, from theory to reality

Leakage of chemicals into the environment, pollution of water and air resources, dispersion of hazardous waste, greenhouse gas emissions entail significant environmental damage that can have long-term effects, affecting human health, biodiversity and the stability of ecosystems.

 

In these dramatic circumstances, companies that do not pay attention to risks face multiple threats. First, regulatory sanctions can result in significant fines and, in some cases, the closure of business. Secondly, the environmental damage caused by the company can damage its reputation, discourage investors and alienate consumers.

 

Risk Management

Inser supports companies in the management of probable environmental risks in an accurate and comprehensive way, using the expertise of important partner companies such as HDI Global, CHUBB and AIG. The risk management process involves identifying potential risks, reducing them and, where they are no longer reducible or disposable, transferring them to the insurance market with adequate coverage.

 

insurance solutions

In this context, Inser plays a role as a reliable consultant offering, through tailor-made insurance solutions, a financial safety net for companies that have to bear significant costs for environmental damage, including legal costs, of remediation and restoration.

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Polizze Parametriche, nuova frontiera dell'assicurazione

Parametric insurance, new frontier of insurance

Parametric insurance, new frontier of insurance

Polizze Parametriche, nuova frontiera dell'assicurazione

Parametric policies represent an innovative form of insurance that offers coverage based on specific, predefined and measurable parameters.

It is a solution offered by Inser Spa, which differs from traditional policies because it determines the payment based on the occurrence of a specific natural event, or the achievement of a predetermined threshold.

 

Concrete examples of use
Parametric insurances cover specific risks that can be measured objectively through a parameter set out in the contract. For example, parametric insurance for a farm could be activated in the event of prolonged drought, measured by the amount of rainfall recorded over a given period of time. Other examples may include natural events such as earthquakes of a certain intensity or floods that exceed a certain hydrometric level as, unfortunately, has happened in these days in Emilia-Romagna.

 

For an event to be considered eligible as an insurable trigger, it must be fortuitous, or outside the policyholder’s control. This means that the event must be objectively measurable and verifiable, so as to ensure transparency in the determination of compensation.

 

How the insurance works
The insurance contract establishes a hypothetical amount of compensation that represents the amount paid in case of trigger activation, then the specific parameter that activates the compensation mechanism is determined. In the case of a parametric precipitation policy, for example, exceeding a precipitation threshold could trigger payment.

 

Benefits for insured persons
Parametric insurances offer many advantages for policyholders, including a quick and transparent claims settlement process because when the event occurs, exceeded the established threshold, the compensation is paid immediately without the need to assess the actual losses, which very often gives rise to prolonged litigation.

 

The role of Inser
Inser Spa stands out for its commitment to support its customers in every aspect of insurance. We are always ready to listen and understand the needs of companies, offering expert advice and customized solutions. Parametric policies are an important tool for addressing specific risks, ensuring timely and transparent protection. We can guide our customers through the process of selecting and customizing parametric policies, ensuring that every aspect is clear and understandable.

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Il Cyber Risk Management: un Viaggio di partnership verso la sicurezza aziendale

Cyber Risk Management: a Partnership Journey to Enterprise Security

Cyber Risk Management: a journey of partnership towards corporate security

Il Cyber Risk Management: un Viaggio di partnership verso la sicurezza aziendale

In the digital age, the risk of suffering a cyber attack is an unavoidable reality for both companies and people; every day we are exposed to threats that seriously endanger our security and, above all, our well-being.

The latest statistics state that hackers can hack corporate systems at 93%, because of their extreme vulnerability; small and medium-sized enterprises are the most affected and fragile realities; the block of the activity turns out to be one of the more considerable damages for a company that makes of the time one precious resource. Other data state that SMEs are not able to defend themselves against a hacker threat, nor to recover from the financial damage suffered, and, despite this, most companies have not yet purchased insurance coverage that offers adequate cyber risk protection.

 

The insurance market used to be limited to suggesting but today it demands the active participation of the company in risk management.

 

Thus, in an evolving world threatened by real and new risks, it becomes essential to undertake a corporate path, first of all of analysis and study of their vulnerabilities, in a second moment of protection and defense through the weighted insurance transfer able to guarantee corporate welfare and cyber security.

 

The great journey to cybersecurity
Imagine this route as if it were a coast to coast journey that starts from an uncertain and unpredictable place to reach a safe landing place, made of tranquility and prosperity; a great journey in which the company looks forward with foresight to acquire awareness of the risks to which it is subject.

 

If you think about it, it’s exactly like this: a motorist prepares for the long journey with in his hand the precise and detailed map that indicates the current location, the destination to reach and the road to go. The map is the fundamental tool to understand how many kilometers have to be made, if you have adequate resources and, consequently, if you have to vary the route.

 

Things, people, safety: the right way

Based on our decades of experience, we endorse what has been said: against cyber risk the insurance solution is only the last stage of the great journey, extremely important, but what matters is the path that together we will take. The three milestones of the coast to coast are called "things", "people" and "security".

 

The first concerns the improvement of company hardware and software, because the protection of digital resources is essential to counter external threats; the second, people, requires special attention to staff training: Being aware of your assets and human resources means you have a great advantage over cyber threats, so it’s critical to update employees on phishing techniques and raise awareness about cybersecurity. Finally, the last and most important stage, safety: it implies the conscious and necessary transfer of residual risk to insurers. As we said, it is the last leg of the journey, the one that at the end of the coast to coast will bring us to our destination, our safe haven. Keep in mind: things, people, security are the necessary formula against every cyber threat.

 

La partnership con Inser e il risk managment
We care about the company’s interests and well-being, and believe cybersecurity is an unprecedented priority these days. It is a risk that cannot be faced alone, because you are never fully prepared, nor do you have the necessary means. If we think about it, cyber risk is exactly like sports doping: it always manages to be one step ahead and to escape the controls. This is why we need industry experts, who together with companies are able to consolidate an iron alliance against real risks. The journey we talked about will thus become a strong partnership: together we will plan the strategy, organize risk management tailored to the company, face the challenges to protect things and people from the threats of the virtual world.

 

We are aware that every travel destination, with time, turns into the initial stage of a subsequent, you must always be ready to start again, to get back into the game by updating our hand luggage on the basis of previous experiences. let's do it together.

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Verlingue entra nel mercato italiano e rafforza la sua posizione in Europa: conclusa l'acquisizione della partecipazione di maggioranza di ISA in INSER

Verlingue enters the Italian market and strengthens its position in Europe: the acquisition of the majority shareholding of ISA in INSER has been completed

Verlingue acquires majority ownership of ISA in INSER.

Verlingue entra nel mercato italiano e rafforza la sua posizione in Europa: conclusa l'acquisizione della partecipazione di maggioranza di ISA in INSER

Verlingue announces the acquisition of INSER S.p.A. In line with the strategic plan Verlingue 2024, the French Group consolidates the objective of building a large European insurance intermediation group, family-run and independent.

The objectives of participation in the Italian market are clear:

· Verlingue chooses Italy as the fifth country of expansion after France, Great Britain, Switzerland and Portugal;

· INSER represents the 7th international acquisition in just 7 years;

· Verlingue becomes majority shareholder of the broker INSER, one of the main independent Italian insurance intermediaries;

· the historical shareholder, ISA, remains as a minority shareholder to continue to support its growth path in Italy;

· all 160 INSER employees join Verlingue, whose international turnover now accounts for 35% of turnover.

 

Founded in 1979 in Trento, INSER S.p.A. is one of the leading independent players in the Italian insurance intermediation market. Its activities focus in particular on business risks and public procurement. The Italian broker, developed through targeted organic growth and a strategic programme of acquisitions, employs more than 160 employees in 8 offices in Northern Italy (Trento, Brescia, Parma, Milan, Bergamo, Vicenza, Udine) and Central Italy (Rieti).

 

Verlingue enters an important strategic market such as Italy, achieving its seventh acquisition outside France in just seven years, which saw the French Group arrive in Switzerland (2016, 2017 and 2019), the United Kingdom (2018) and Portugal (2020 and 2022).

 

This transaction on the Italian market consolidates and accelerates the implementation of the 2024 Strategic Plan of the Adelaïde Group: the objective is to position itself as a reference broker on the Italian market for micro-enterprises, SMEs, large enterprises and public entities. An important step that increasingly guarantees a European dimension to the French Insurance Brokerage Group, an independent family business, serving an increasingly international clientele.

 

The signed partnership provides for Verlingue to become the majority shareholder of INSER, while the historic shareholder, ISA, will remain with a minority stake, continuing to support the growth path in Italy.

 

Giorgio Franceschi, Managing Director of ISA, said: "We are very satisfied with this operation. In the Family Group Verlingue we have found a solid and credible international partner, which will now contribute to a new phase of development of Inser, historical and important participatory of ISA, that we have accompanied in its path of growth and in which we will continue to be present. The partnership between Verlingue and ISA represents a great opportunity to create value for the benefit of customers, employees and the whole territory".

 

Pierpaolo Ruggeri, Managing Director of INSER, commented the partnership: "Verlingue’s European project is exciting and Italy is a strategic country. Thanks to the collaboration we will be able to strengthen our development path, both through organic growth and through targeted acquisitions, to consolidate our positioning and offer a high quality service to our customers."

 

Benjamin Verlingue, Managing Director of the Adelaïde Group: "I am pleased that Adelaïde is expanding into Italy, which is the fourth largest insurance market in Europe. This opens up many positive prospects for our customers, who are increasingly international. In a consolidation industry, being a family-run insurance broker with an ambitious and long-term vision allows us to propose an attractive project for teams that decide to join our adventure. I am happy that INSER and ISA made this choice" .

 

Anne-Jacques de Dinechin, Managing Director of Verlingue: "Our international success is based on strong local management teams in every country. With the acquisition of INSER, we integrate into the Group a team of committed experts who will fully participate in our ambition to become one of the leading players in Europe".

 

About Verlingue

Insurance intermediary specialized in the protection of companies, Verlingue is a subsidiary of the Adelaïde Group. Committed to supporting entrepreneurs, Verlingue’s ambition is to make the management of business risks and the protection of employees a true lever of value creation and performance for its customers. With offices in France, Portugal, Switzerland, the UK and Italy, and through its partners in more than 100 countries, Verlingue accompanies its customers in the long term and at all times, to better understand and anticipate new risks with the aim of designing and managing, together with them, simple and efficient solutions to protect their activities (business risks) and their collaborators (complementary social protection and pension).

1,350 employees, of which 550 internationally

2.350 M€ of prizes negotiated on behalf of its customers

Present in 5 countries in Europe

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Webinar su

Webinar on "Climate as a Risk Factor": Inser in Collaboration with Confindustria Bergamo

Webinar on "Climate as a Risk Factor": Inser in Collaboration with Confindustria Bergamo

Webinar su

Understanding the climatic dynamics and their consequences is not only an ecological duty, but is fundamental for the management of business risks.

In a world increasingly sensitive to environmental issues, understanding climate dynamics, their consequences and possible insurance protection solutions has become a priority for companies. This not only helps protect businesses and people, but can also help create business synergies between those involved in the financial, insurance and risk management aspects of natural events.

 

To deepen these themes, the Energy, Security, Environment and CSR area and the Credit and Finance Area of Confindustria Bergamo, in collaboration with Inser, organized a webinar entitled "Climate as a risk factor: scientific aspects, adverse event management and insurance responses". The event was held on June 23.

 

The program of the day included:

- 10.00: Greetings and introduction.

- 10.15 am: "The climate risk for companies; how important can it be? The situation in Lombardy", by Mario Martina, IUSS University School of Pavia.

- 11.00 am: "From risk to emergency: intervention techniques in flood damage management", presented by Carolina Balbusso, marketing and communication manager at BENPOWER.

- 11.40: "What answers from the insurance market, the proposal of Confindustria Bergamo", with the contribution of Marco Piasini, Inser Broker.

- 12.00: Debate and conclusion.

 

This webinar provided a valuable opportunity to gain a deeper understanding of the integration of physical and climate risks into ESG.

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