{"id":66636,"date":"2026-06-15T10:49:22","date_gmt":"2026-06-15T10:49:22","guid":{"rendered":"https:\/\/ascoma.decmena.com\/businesses\/"},"modified":"2026-08-14T12:13:03","modified_gmt":"2026-08-14T12:13:03","slug":"businesses","status":"publish","type":"page","link":"https:\/\/ascoma.com\/en\/businesses\/","title":{"rendered":"Businesses"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"66636\" class=\"elementor elementor-66636 elementor-61846\" data-elementor-post-type=\"page\">\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-2a3ba88 e-flex e-con-boxed pxl-row-scroll-none pxl-column-none pxl-full-content-with-space-none e-con e-parent \" data-id=\"2a3ba88\" data-element_type=\"container\" data-e-type=\"container\" id=\"section-vehicle\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t <div class=\"elementor-element elementor-element-ac51d86 e-con e-atomic-element e-flexbox-base e-3d421f1 \" data-id=\"ac51d86\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ac51d86\" data-e-type=\"e-flexbox\" data-id=\"ac51d86\">\n    \t\t<div class=\"elementor-element elementor-element-7c6f116 elementor-widget elementor-widget-heading\" data-id=\"7c6f116\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">LIABILITY<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08f288e elementor-widget elementor-widget-spacer\" data-id=\"08f288e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-25ebfab e-grid e-con-full pxl-row-scroll-none pxl-column-none pxl-full-content-with-space-none e-con e-parent \" data-id=\"25ebfab\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\t\t<div class=\"elementor-element elementor-element-739847d1 elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"739847d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img fetchpriority=\"high\" decoding=\"async\" width=\"1000\" height=\"668\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2221312925.jpg\" class=\"attachment-large size-large wp-image-66183\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2221312925.jpg 1000w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2221312925-300x200.jpg 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2221312925-768x513.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        General \n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Covers bodily injury, property damage and non-material damage caused to third parties in the course of professional activity. Mandatory in many sectors.                     <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ffb6e2 elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"0ffb6e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_1444222382.jpg\" class=\"attachment-large size-large wp-image-66181\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_1444222382.jpg 1000w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_1444222382-300x200.jpg 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_1444222382-768x512.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Products\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Protects the manufacturer or distributor against damage caused by a defective product placed on the market, after delivery or acceptance.                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-babc16f elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"babc16f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Poluttion.jpg\" class=\"attachment-large size-large wp-image-66270\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Poluttion.jpg 1000w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Poluttion-300x200.jpg 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Poluttion-768x512.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Environmental\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Covers clean-up costs and compensation related to accidental environmental damage (soil, water, air) caused by the company\u2019s activity.                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75b3230 elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"75b3230\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"665\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2143136451.jpg\" class=\"attachment-large size-large wp-image-66185\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2143136451.jpg 1000w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2143136451-300x200.jpg 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2143136451-768x511.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Cyber insurance\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Covers the financial and operational consequences of cyberattacks, data breaches, and ransomware, including data restoration costs, GDPR notifications, business interruption losses, and liability to affected parties.                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f603107 elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"f603107\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2593001329-2.jpg\" class=\"attachment-large size-large wp-image-66186\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2593001329-2.jpg 1000w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2593001329-2-300x200.jpg 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2593001329-2-768x512.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Medical \/ Healthcare professionals\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Covers errors, faults or omissions committed by healthcare professionals (doctors, clinics, laboratories) that have caused harm to the patient.                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8dd7a34 elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"8dd7a34\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Construction-1024x683.webp\" class=\"attachment-large size-large wp-image-62051\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Construction-1024x683.webp 1024w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Construction-300x200.webp 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Construction-768x512.webp 768w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Construction-1065x710.webp 1065w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Construction.webp 1500w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Construction\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Mandatory for builders, this insurance covers structural damage that compromises the integrity of completed work or renders it unfit for its intended purpose for 10 years following acceptance.                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\r\n\t\t<div class=\"elementor-element elementor-element-b9b1381 e-con e-atomic-element e-flexbox-base e-4d83a7a \" data-id=\"b9b1381\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b9b1381\" data-e-type=\"e-flexbox\" data-id=\"b9b1381\">\n    \t\t<div class=\"elementor-element elementor-element-9ffaf37 elementor-widget elementor-widget-spacer\" data-id=\"9ffaf37\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-814d658 elementor-widget elementor-widget-heading\" data-id=\"814d658\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PROPERTY DAMAGE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ed012f elementor-widget elementor-widget-spacer\" data-id=\"9ed012f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-71b36e8 e-grid e-con-full pxl-row-scroll-none pxl-column-none pxl-full-content-with-space-none e-con e-parent \" data-id=\"71b36e8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\t\t<div class=\"elementor-element elementor-element-f5a44a3 elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"f5a44a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"662\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2549828809.jpg\" class=\"attachment-large size-large wp-image-66253\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2549828809.jpg 1000w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2549828809-300x199.jpg 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2549828809-768x508.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Commercial all-risks (MRP)\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Comprehensive policy covering premises, equipment and stock against fire, water damage, theft, machinery breakdown and natural disasters.\n                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44c4bee elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"44c4bee\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2165440681.jpg\" class=\"attachment-large size-large wp-image-66258\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2165440681.jpg 1000w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2165440681-300x200.jpg 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2165440681-768x512.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Machinery breakdown\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Compensates for damage suffered by industrial or IT equipment following a breakdown, handling error or short circuit.\n                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35d0c55 elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"35d0c55\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2575747227.jpg\" class=\"attachment-large size-large wp-image-66260\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2575747227.jpg 1000w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2575747227-300x200.jpg 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2575747227-768x512.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        All-risks IT insurance\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Protects IT equipment against physical risks (breakage, theft, fire) and non-material damage (data loss, reconstruction costs).\n                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01d123b elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"01d123b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2535667057.jpg\" class=\"attachment-large size-large wp-image-66261\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2535667057.jpg 1000w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2535667057-300x200.jpg 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2535667057-768x512.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Construction insurance (Damage to works)\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Mandatory for project owners, this insurance funds repairs to defects covered under the 10-year guarantee without requiring a prior court decision.                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\r\n\t\t<div class=\"elementor-element elementor-element-b71e032 e-con e-atomic-element e-flexbox-base e-b71e032-3563d3e \" data-id=\"b71e032\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b71e032\" data-e-type=\"e-flexbox\" data-id=\"b71e032\">\n    \t\t<div class=\"elementor-element elementor-element-5589b4b elementor-widget elementor-widget-spacer\" data-id=\"5589b4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79f6e34 elementor-widget elementor-widget-heading\" data-id=\"79f6e34\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FINANCIAL LOSSES<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23ef926 elementor-widget elementor-widget-spacer\" data-id=\"23ef926\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-b8920c5 e-grid e-con-full pxl-row-scroll-none pxl-column-none pxl-full-content-with-space-none e-con e-parent \" data-id=\"b8920c5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\t\t<div class=\"elementor-element elementor-element-43c46fe elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"43c46fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2725799911-1024x683.jpg\" class=\"attachment-large size-large wp-image-66284\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2725799911-1024x683.jpg 1024w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2725799911-300x200.jpg 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2725799911-768x512.jpg 768w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2725799911-1536x1025.jpg 1536w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2725799911-2048x1366.jpg 2048w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2725799911-1064x710.jpg 1064w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Business interruption\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Compensates for loss of gross margin and fixed costs incurred after a claim that has interrupted or reduced activity (fire, flooding, power outage, etc.).\n                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dfd43d6 elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"dfd43d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_1033105201.jpg\" class=\"attachment-large size-large wp-image-66289\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_1033105201.jpg 1000w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_1033105201-300x200.jpg 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_1033105201-768x512.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Credit \/ Customer default\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Protects businesses against losses from unpaid customer invoices due to insolvency, bankruptcy, or prolonged payment delays. Coverage may also include debt collection services and business intelligence.                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-970c90d elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"970c90d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_1746124625.jpg\" class=\"attachment-large size-large wp-image-68607\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_1746124625.jpg 1000w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_1746124625-300x200.jpg 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_1746124625-768x512.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Surety \/ Financial guarantee\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Guarantees the performance of a company\u2019s contractual or financial commitments to a third party (customer, State, landlord). Replaces a cash security deposit. \n                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f0b0a7 elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"8f0b0a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"668\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2722958857.jpg\" class=\"attachment-large size-large wp-image-66280\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2722958857.jpg 1000w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2722958857-300x200.jpg 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2722958857-768x513.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Fraud &amp; Internal malicious acts\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Covers misappropriation of funds, breach of trust and malicious acts committed by employees or external third parties (suppliers, service providers).\n                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\r\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-ed46ef2 e-con e-atomic-element e-flexbox-base e-ed46ef2-16f56af \" data-id=\"ed46ef2\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ed46ef2\" data-e-type=\"e-flexbox\" data-id=\"ed46ef2\">\n    \t\t<div class=\"elementor-element elementor-element-cef0b14 elementor-widget elementor-widget-spacer\" data-id=\"cef0b14\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56f79f5 elementor-widget elementor-widget-heading\" data-id=\"56f79f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">HUMAN RESOURCES AND GROUP EMPLOYEE BENEFITS <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7af935 elementor-widget elementor-widget-spacer\" data-id=\"c7af935\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-43b3b93 e-grid e-con-full pxl-row-scroll-none pxl-column-none pxl-full-content-with-space-none e-con e-parent \" data-id=\"43b3b93\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\t\t<div class=\"elementor-element elementor-element-ba960cf elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"ba960cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"658\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_2466625557.jpg\" class=\"attachment-large size-large wp-image-68599\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_2466625557.jpg 1000w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_2466625557-300x197.jpg 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_2466625557-768x505.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Company health insurance\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Mandatory for private-sector employees, group health insurance helps cover medical expenses not reimbursed by social security, with the employer contributing to the cost.                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6146b2 elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"d6146b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"668\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_2752447415.jpg\" class=\"attachment-large size-large wp-image-68624\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_2752447415.jpg 1000w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_2752447415-300x200.jpg 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_2752447415-768x513.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Group income protection\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Ensures employees\u2019 income is maintained in the event of sick leave, disability or death. Complements social security benefits and statutory protection schemes. \n                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a243a71 elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"a243a71\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_2653018217.jpg.avif\" class=\"attachment-large size-large wp-image-68516\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_2653018217.jpg.avif 1000w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_2653018217.jpg-300x200.avif 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_2653018217.jpg-768x512.avif 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Key person insurance\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Pays a lump sum to the company in the event of the death or disability of an employee whose loss would seriously jeopardise the company\u2019s continuity or income.\n                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dcbfa57 elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"dcbfa57\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_2709545279-1.jpg\" class=\"attachment-large size-large wp-image-68633\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_2709545279-1.jpg 1000w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_2709545279-1-300x200.jpg 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_2709545279-1-768x512.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Collective retirement savings plan (PERCOL)\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        A workplace savings plan that allows employees to build additional retirement savings, with the possibility of employer contributions and tax benefits.                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\r\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-0aca453 e-con e-atomic-element e-flexbox-base e-0aca453-1196f83 \" data-id=\"0aca453\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0aca453\" data-e-type=\"e-flexbox\" data-id=\"0aca453\">\n    \t\t<div class=\"elementor-element elementor-element-e3b32aa elementor-widget elementor-widget-spacer\" data-id=\"e3b32aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7e61b9 elementor-widget elementor-widget-heading\" data-id=\"f7e61b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">TRANSPORT AND LOGISTICS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e10a122 elementor-widget elementor-widget-spacer\" data-id=\"e10a122\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-adc440d e-grid e-con-full pxl-row-scroll-none pxl-column-none pxl-full-content-with-space-none e-con e-parent \" data-id=\"adc440d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\t\t<div class=\"elementor-element elementor-element-91b0e85 elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"91b0e85\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Marchandise-transporte.jpg\" class=\"attachment-large size-large wp-image-66324\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Marchandise-transporte.jpg 1000w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Marchandise-transporte-300x200.jpg 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Marchandise-transporte-768x512.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Goods in transit\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Covers loss of and damage to goods in transit by road, sea, air or multimodal transport, from sender to recipient.\n                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a3b14d elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"9a3b14d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Marine.jpg\" class=\"attachment-large size-large wp-image-66315\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Marine.jpg 1000w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Marine-300x200.jpg 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Marine-768x512.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Hull \/ Aviation\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Protects the shipowner or air operator against damage to or total loss of the vessel or aircraft resulting from an accident, shipwreck, collision or malicious act.\n                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb34bfe elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"eb34bfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Transporteur.jpg\" class=\"attachment-large size-large wp-image-66320\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Transporteur.jpg 1000w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Transporteur-300x200.jpg 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Transporteur-768x512.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Carrier\u2019s liability\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Covers the carrier\u2019s legal liability in the event of damage to goods or persons entrusted to its care during transport.\n                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4dd7382 elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"4dd7382\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Flotte-1024x683.webp\" class=\"attachment-large size-large wp-image-62050\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Flotte-1024x683.webp 1024w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Flotte-300x200.webp 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Flotte-768x512.webp 768w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Flotte-1065x710.webp 1065w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/Flotte.webp 1500w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Commercial motor fleet\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Comprehensive policy covering all of a company\u2019s vehicles (cars, vans, trucks) for third-party liability and according to the selected cover (comprehensive, theft, etc.).\n                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\r\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-2b83d71 e-con e-atomic-element e-flexbox-base e-2b83d71-028c2e6 \" data-id=\"2b83d71\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2b83d71\" data-e-type=\"e-flexbox\" data-id=\"2b83d71\">\n    \t\t<div class=\"elementor-element elementor-element-b85cfc4 elementor-widget elementor-widget-spacer\" data-id=\"b85cfc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86d0e18 elementor-widget elementor-widget-heading\" data-id=\"86d0e18\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SPECIALISED SECTORS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c98549 elementor-widget elementor-widget-spacer\" data-id=\"3c98549\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-8b2d3de e-grid e-con-full pxl-row-scroll-none pxl-column-none pxl-full-content-with-space-none e-con e-parent \" data-id=\"8b2d3de\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\t\t<div class=\"elementor-element elementor-element-bc57410 elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"bc57410\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"666\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2248310185.jpg\" class=\"attachment-large size-large wp-image-66334\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2248310185.jpg 1000w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2248310185-300x200.jpg 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2248310185-768x511.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Agricultural sector\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Protects farms against weather hazards (hail, frost, drought), livestock diseases, crop loss and the operator\u2019s liability.\n                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b83f62e elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"b83f62e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_1981894454.jpg.avif\" class=\"attachment-large size-large wp-image-68509\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_1981894454.jpg.avif 1000w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_1981894454.jpg-300x200.avif 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/08\/shutterstock_1981894454.jpg-768x512.avif 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Political risks\n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Protects international investments and receivables against expropriation, political unrest, currency non-convertibility or abusive contract termination by a State.\n                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75cac27 elementor-widget__width-initial elementor-widget-mobile__width-inherit ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"75cac27\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img loading=\"lazy\" decoding=\"async\" width=\"999\" height=\"669\" src=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2721584131.jpg\" class=\"attachment-large size-large wp-image-66340\" alt=\"\" srcset=\"https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2721584131.jpg 999w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2721584131-300x201.jpg 300w, https:\/\/ascoma.com\/wp-content\/uploads\/2026\/06\/shutterstock_2721584131-768x514.jpg 768w\" sizes=\"(max-width: 999px) 100vw, 999px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        Upstream energy sector \n                        \n                    <\/h3>\n                                                            <div class=\"elementskit-box-style-content\">\n                        Protects companies in the upstream energy sector against major risks at every stage of the value chain: exploration, production, refining, transport and distribution.\n                    <\/div>\n                                    <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-c663255 elementor-widget elementor-widget-spacer\" data-id=\"c663255\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-806e503 e-con e-atomic-element e-flexbox-base e-27227ff \" data-id=\"806e503\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"806e503\" data-e-type=\"e-flexbox\" data-id=\"806e503\">\n    <div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-95e591a e-flex e-con-boxed pxl-row-scroll-none pxl-column-none pxl-full-content-with-space-none e-con e-parent \" data-id=\"95e591a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\t\t\t<div class=\"e-con-inner\">\r\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-8825937 e-con-full e-flex pxl-row-scroll-none pxl-column-none pxl-full-content-with-space-none e-con e-child \" data-id=\"8825937\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\"><div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-99d5672 e-con-full e-flex pxl-row-scroll-none pxl-column-none pxl-full-content-with-space-none e-con e-child \" data-id=\"99d5672\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\t\t<div class=\"elementor-element elementor-element-2d3c80d elementor-widget elementor-widget-pxl_button\" data-id=\"2d3c80d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"pxl_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"pxl-pxl_button-2d3c80d-4516\" class=\"pxl-button pxl-atc-link wow PXLfadeInUp\" data-wow-delay=\"300ms\">\r\n    <a href=\"https:\/\/ascoma.com\/en\/contact-us\/\" class=\"btn  btn-shine wow PXLfadeInUp inline pxl-icon--left\" data-wow-delay=\"300ms\" data-target=\".pxl-page-popup-template-0\">\r\n                <div class=\"pxl-button-flair\"><\/div>\r\n        <span class=\"pxl--btn-text\" data-text=\"CONTACT US\">\r\n            CONTACT US        <\/span>\r\n    <\/a>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fa4489 elementor-widget elementor-widget-pxl_heading\" data-id=\"6fa4489\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"pxl_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div id=\"pxl-pxl_heading-6fa4489-5267\" class=\"pxl-heading px-sub-title-default-style \">\n\t<div class=\"pxl-heading--inner\">\n\t\t\n\t\t<h4 class=\"pxl-item--title style-default  highlight-default wow PXLfadeInUp\" data-wow-delay=\"100ms\">\n\t\t\t\t\tto learn more \nabout our services and products\t\n\t\t\t\n\t\t<\/h4>\n\t\t\n\t<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\n<\/div>\n\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>LIABILITY General Covers bodily injury, property damage and non-material damage caused to third parties in the course of professional activity. Mandatory in many sectors. Products Protects the manufacturer or distributor against damage caused by a defective product placed on the market, after delivery or acceptance. Environmental Covers clean-up costs and compensation related to accidental environmental [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-66636","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.1 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Businesses - Ascoma Assureurs Conseils<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ascoma.com\/en\/businesses\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Businesses\" \/>\n<meta property=\"og:description\" content=\"LIABILITY General Covers bodily injury, property damage and non-material damage caused to third parties in the course of professional activity. Mandatory in many sectors. Products Protects the manufacturer or distributor against damage caused by a defective product placed on the market, after delivery or acceptance. 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