Tailored protection for small entrepreneurs

With the advancement of formalization of business models, grows among small and medium entrepreneurs the perception that protecting the assets goes beyond keeping products or equipment safe: it also passes by shielding reputation and finances against possible professional failures.In this scenario, Professional Civil Liability Insurance (RC Professional) gains space as a strategic solution.

Created to protect companies and professionals from losses arising from failures in the exercise of the activity, this type of insurance covers losses as well as general expenses.Here restricted to large corporations, it is currently gaining space among smaller businesses.

“O small business owner understands today that a simple mistake can generate significant losses, both financial and image. The search for insurance as RC Professional shows a maturation of the Brazilian entrepreneur”, says Reinaldo Zanon, CEO of Seguralta Franchising, the largest insurance franchise network in the country.

According to him, the demand for this type of coverage among the network's customers has grown more than 30% in the last two years, mainly driven by liberal professionals and service micro-enterprises.“The judicialization of consumer relations, the growth of digital service provision and the increase in demand by customers drive this change in” behavior, he explains.

In addition to financially protecting the business, RC Professional also strengthens credibility with customers, demonstrating responsibility and preparation in case of unforeseen events.In segments such as accounting, IT, marketing, health and architecture, it is already considered a competitive differential.

For industry experts, the movement is still expected to intensify in the coming years, driven by the digitization of services, the expansion of access to insurance and the awareness of entrepreneurs about risk management.“The mindset that insurance is cost is being replaced by the notion that it is a necessary investment for the longevity and solidity of the” business, concludes Zanon.