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Month : May 2023

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Manage your business in volatile times

Manage your business in volatile times

💥Face the risks, combine your insurance contracts, and your credit lines.

🤯 In these highly unstable times, not all events can be anticipated.
Companies need to strengthen their short-term financial security.

We work with business owners to combine insurance policies with bank financing authorizations.

Both approaches need to be thought through and combined at the same time:
👉 Insurance policies protect you against identified and feared hazards.
👉 Short-term bank financing lines will give your company time to cope with the unexpected, and to have the necessary time to adapt.

We help you to take stock of your two arrangements, and to negotiate with your bank(s) suitable short-term financing lines, for your security.

For a first contact, free of charge and without obligation : https://bit.ly/3B6fdXr

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Did you know that the Brexit also affects the insurance...

Did you know that the Brexit also affects the insurance...

There are three ways to insure your UK subsidiary.
Advantages and disadvantages of each.

When you have a subsidiary in the UK, there are three possible solutions for covering the risks inherent in it: Indirect "Police Master" cover; Local "Stand Alone" cover; and "Libre Prestation de Service: LPS" cover, which is the most widely used.

WHY?
Simply because :

Free Provision of Services (FPS) coverage

Is simplest for Risks located within the European Economic Area.

It offers simple, flexible insurance services through a single point of entry, covering all risks located in the European Union under a single French policy. This coverage enables :

  • A single contract in French to cover all French risks and your subsidiaries throughout the EEC.
  • A global approach to risk .
  • Simplified management.
  • Optimum control of information.
  • A single point of contact.

It is therefore the simplest form of cover for your subsidiary in the UK. However, with the decision taken on June 24, 2016 in favor of its exit from the EU "BREXIT", a strong uncertainty hangs over this type of coverage. In the event of England's withdrawal from the European Economic Area, LPS cover is likely to disappear.

The Stand Alone Blanket

With this formula, English insurance companies set up local policies in the countries where the risk is located. You benefit fully from the recognition of a major insurer in this market, providing cover that is perfectly adapted to local legislation.

To set up such a policy:

You can ask your French broker to organize the negotiation of your insurance policy with an English insurer on your behalf, together with his English correspondent;
The local broker will draw up the contract in accordance with local provisions, taking into account specific local legal requirements;
Simple handling and settlement of claims in accordance with local laws;
Contracts underwritten in local currency.

Police Master Indirect Coverage

This International Insurance package combines the strengths of global coverage issued from the country of your parent company with the advantages of local policies underwritten in the country where your subsidiaries are based. It guarantees:

Total risk coverage in line with local requirements;
Local claims management;
Coordination from France
An integrated program offering economies of scale.


THEREFORE, if your subsidiary in the UK is covered by LPS, it's best to change the type of insurance and opt for "Stand Alone" or "Police Master" cover.

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Operators are committed to safety

Operators are committed to safety

Operators are committed to safety

Cyber-attacks are one of today's major concerns for companies. Cyber-attacks, which are on the increase, consist in destabilizing computer systems, with far-reaching consequences for the companies affected. Sony, Target and Orange were the most high-profile cases. However, it should be noted that the companies most affected are SMEs, whose data is not properly protected.

How can we protect ourselves against this growing threat?

For the time being, even IT security experts are struggling to come to grips with this issue, which is at the center of everyone's thoughts. However, Orange has created a security division to combat cyber-attacks and minimize the impact of these incidents on businesses, thanks to a global and proactive approach to security, called Orange Cyberdéfense.
This division relies on the richness and specificity of its human skills. The performance of its organization and equipment to anticipate, analyze and counter threats. Its aim is to help companies manage Cyber Risks:

cyber risks

  • Securing digital content
  • Understanding risks
  • Give priority to protecting sensitive assets.
  • Control security incidents quickly.

With this in mind, Orange Cyberdéfense, announced at the FIC (January 24-25 in Lille) the creation of a cyberdefense center in Lesquin, near Lille, where 50 people are already working, and soon 200 by 2018. An initial and continuing training program has also been launched, notably to increase the number of cyber experts.

A fine risk prevention initiative. However, the risks remain, and it is advisable to take out insurance in the event of a proven cyber attack.

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Cyber-attacks are one of today's major concerns for companies. Cyber-attacks, which are on the increase, consist in destabilizing computer systems, with far-reaching consequences for the companies affected. Sony, Target and Orange were the most high-profile cases. However, it should be noted that the companies most affected are SMEs, whose data is not properly protected.

How can we protect ourselves against this growing threat?

For the time being, even IT security experts are struggling to come to grips with this issue, which is at the center of everyone's thoughts. However, Orange has created a security division to combat cyber-attacks and minimize the impact of these incidents on businesses, thanks to a global and proactive approach to security, called Orange Cyberdéfense.
This division relies on the richness and specificity of its human skills. The performance of its organization and equipment to anticipate, analyze and counter threats. Its aim is to help companies manage Cyber Risks:

cyber risks

  • Securing digital content
  • Understanding risks
  • Give priority to protecting sensitive assets.
  • Control security incidents quickly.

With this in mind, Orange Cyberdéfense, announced at the FIC (January 24-25 in Lille) the creation of a cyberdefense center in Lesquin, near Lille, where 50 people are already working, and soon 200 by 2018. An initial and continuing training program has also been launched, notably to increase the number of cyber experts.

A fine risk prevention initiative. However, the risks remain, and it is advisable to take out insurance in the event of a proven cyber attack.

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Insure your subsidiaries with a Good Local Standard

world map

Insure your subsidiaries with a Good Local Standard

world map
Are you familiar with the Good Local Standard?
Your company's ambition is to go further, to see beyond, to push its limits.

In this trajectory, to set up internationally, as an SME you are weakened 🚧 :
➡ Difficulty finding the right contact
➡ Weak weight in negotiations
➡ Lack of mastery of local legislation
➡ Costs associated with local legal analyses

Aware that SMEs account for 98.8% of companies in France, VTA assurances has designed an international program that uses the : Good local standard.
It frees you:
❌from doing an analysis with lawyers
❌from hiring specialists on site
❌from taking a social audit

Ask us for a 𝗴𝗼𝗼𝗱 𝗹𝗼𝗰𝗮𝗹 𝘀𝘁𝗮𝗻𝗱𝗮𝗿𝗱: an insurance contract that corresponds to the necessary and sufficient obligations for a company in the country where you want to set up.
Find out more about this program? Visit our website:
https://bit.ly/3KEhPAb

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An audit of your risks in 1 hour

An audit of your risks in 1 hour

Anticipating and seizing the opportunities available to you involves risks that need to be controlled🚀:

❓Protecting your personal liability
❓Ensuring the long-term future of your business
❓Having a crisis management team in place

There are techniques for transferring these risks to others: insurance companies or subcontractors! 🔁

Get an analysis of the main exposures your company faces for better risk management: https: //bit.ly/3B6fdXr

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The news

Protect your employees on the move

Protect your employees on the move

Your employees need to travel abroad to:
✈ Manage your activities on site
✈ Train new employees
✈ Manage ongoing projects
✈ Manage your suppliers/partners
✈ Meet customers

⬆ Do any of these situations arise?

Protect your employees and your company with a package of coverages that include:
🛡Medical care abroad in all countries
🛡Repatriation costs in the event of illness on site
🛡Public liability worldwide 

All available on a 24/7 mobile app 📱: https://bit.ly/34PiApO

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The news

Expanding internationally

Expanding internationally

Expanding internationally involves many challenges 🤔 :

  • What are the obligations in the new territory?
  • How do you ensure that your employees are mobile between different locations?
  • Numerous foreign-language contracts.
  •  New culture and new practices

And yet, the context is just right, with many countries creating the ideal conditions for conquering international markets. The French government is no exception, and supports SMEs that dare to go international with its dedicated bank: Bpifrance

VTA Assurances is part of this dynamic, and offers you a financial security service dedicated to the subsidiary you want to create or develop:

  • No on-site management required;
  • Contracts are issued in French;
  • Securing your liabilities and investments;
  • Control your budget and save money.
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Insuring your car in France

Insuring your car in France

Italian, you have just arrived in France and you want to insure a vehicle?

You have been driving in your country for years. To avoid being charged as a novice driver, ask your Italian insurer for your insurance history, and send it to us.
We are specialized and authorized to reconstitute your French bonus.
Do not hesitate to contact us.


Vi siete appena trasferiti in Francia e dovete assicurare la vostra Auto?
Guidate in Italia gia da tanti anni?
Per non dover ricominciare da zero e pagare come un neopatentato, chiedete il vostro attestato di rischio al vostro assicuratore in Italia ed inviatecelo.
Siamo specializzati ed autorizzati a recuperare la vostra classe di merito ed attribuirvi l'equivalente francese.

Contattateci!

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Our solutions

Your decennial insurance

A multidisciplinary team to support you

Our construction team brings together complementary skills:

  • Construction law and obligations
  • Ten-year obligations: civil liability or damage to work
  • Financial guarantees and lines of credit
  • Claims management, with and without insurance company involvement
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Our solutions

Employee retention

Company mutual
  • Depending on your collective bargaining agreement, we can help you set up supplementary healthcare coverage.
  • We can offer you formulas with and without individual options, transforming the obligation of mutual insurance into a loyalty-building tool.
A provident contract

Often governed by your collective bargaining agreement, this coverage needs to be carefully studied, because in the event of insufficient coverage, the company is liable.

Inter-company savings plan
  • Flexible and easy to set up, this system is a real loyalty booster for your team.
  • The PEI enables employees and managers to build up savings for their medium-term projects, within an advantageous social and tax framework.
  • Beneficiaries: The non-salaried manager, if he/she usually employs between 1 and 250 employees (in addition to him/herself) his/her spouse, if he/she has the status of collaborating spouse or associate employees, whether on permanent or fixed-term contracts or apprenticeships
  • Optimized savings through matching contributions
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A supplementary pension
  • The contributions paid by the company are exempt from social security contributions up to a limit of 5% of the remuneration subject to Social Security contributions, limited to five Annual Social Security Ceilings (PASS).

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