Does BT Broker represent the client or the insurance companies?
Our role is to represent your interests in the relationship with insurers. 🤝We guide you objectively, clearly explain all options, and recommend ...
How is a claim approved?
To report a claim, it is necessary to contact the insurer at the phone number displayed on the insurance policy. 📞An operator will inform you ...
What types of insurance products can BT Broker help me with?
We offer you a complete range of protection, adapted to your lifestyle. You have all types of insurance, in one place: auto insurance (RCA and ...
Who must conclude the PAD policy?
PAD is mandatory for homeowners in Romania, whether natural or legal persons, and represents the first step for protecting your house ...
How many categories of civil liability are there from a legal point of view?
There are two categories: tort civil liability, for damages caused by unlawful actscontractual civil liability, for non-compliance ...
Is it possible to conclude an SME policy for a building that is partially intended for commercial activities? Is a PAD also needed?
Yes. The SME policy can cover the part intended for commercial activities. The area used as a dwelling must, however, be mandatorily insured through PAD, according to ...
What does interruption of activity mean?
This is the coverage that helps you reduce the financial impact when the business activity is temporarily affected by an insured event, such as a ...
If I carry out my activity in a rented space, can only the goods be insured?
Yes. You can insure your own goods and equipment from the rented space. If necessary, you can also add the tenant's liability clause towards the landlord, ...
What documents are required for issuing an SME policy?
Generally, the following are required: company data (CUI) insured space address list of goods and their value In certain cases, the insurer may also request ...
Why is the business activity domain important?
Risks vary depending on the activity carried out. For example, a restaurant has different needs compared to a store, a car service, or a building of ...
Why can the coverages vary depending on the type of liability?
The risks vary depending on the activity performed. Some activities involve material risks, others professional or financial risks, and ...
What types of civil liability exist?
Civil liability can be: legal (general) - for material damages and bodily injuries professional - for financial damages caused by errors ...