SMEs: when the insurance company becomes a business facilitator

What if insurance companies had much more to offer business leaders than just standard insurance contracts? This is Groupama’s belief. For the mutual insurer, the support must be personal, so that it matches the particular circumstances of each individual SME. Groupama caters both to companies with large buildings, state-of-the-art equipment and significant inventories, and to those whose most valuable asset lies in their intellectual assets. Taking into account the risks associated with their activity, their property or their employees is therefore expressed in a radically different way. In addition, the management’s personal liability may arise as a result of a management error or a violation of e.g. legal or official regulations. In this case, it is his personal heritage that must be protected.

The account manager, a true ally of the SME manager
Groupama Account Manager acts as a true business facilitator. As a trusted advisor, he is also a specialist in business risks with products and services adapted to their activity. This networker is able to introduce the manager to partners he can count on. The key is optimized management of costs and risks, as well as newfound peace of mind for the manager of an SME. Because it is actually often multi-tasking and having to make many decisions on the same day – which is a source of stress and mistakes. He therefore appreciates being able to count on account managers who are able to understand his business and establish lasting relationships with great relational closeness.
Thanks to the support of the account administrator, the manager can carry out his arbitration proceedings, for example, decide to bear certain risks or, on the contrary, have them guaranteed by his insurance company.

To carry out all his missions, the business manager is of course not alone. While he remains the leader’s sole and privileged interlocutor, he mobilizes numerous specialized experts. Groupama’s resolutely global approach thus makes it possible to call on experienced profiles in the protection of property, people and business, as needed. The result: personal insurance solutions, regardless of sector. Depending on each activity, Groupama provides a precise answer to protect employees, premises, equipment, tools and goods. Account managers are also proactive in terms of prevention, together with Groupama’s experts, to limit risks.

Business leaders engaged in the area
Another peculiarity of Groupama: the mutual insurance company has real local roots. The company managers’ area of ​​activity is thus concentrated on one department, under the responsibility of a regional decision-making center and not a national one.

This detailed knowledge of the economic substances of each territory allows them to gain relevance, to speak the same language as the managers accompanied, regardless of whether they are developing in the plastic department of the department of Ain, for example in the bar turning sector in Haute -Savoie or in the food industry in Brittany. The geographical proximity of the account manager allows him to move around the premises of the company to discuss with the manager if necessary.
Women and men in networks
SME owners also have their territory at heart and seek to develop local life by strengthening their networks. Close to the financial players in each department, the Groupama account managers facilitate this process. They are able to provide contractors with subcontractors, service providers, suppliers and even new customers. What imposes itself, in the eyes of the leaders, as true partners.

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Groupama Assurances Mutuelles, on behalf of Caisses Régionales d’Assurances Mutuelles Agricoles, head office: 8-10, rue d’Astorg – 75008 Paris – 343 115 135 RCS Paris. Companies subject to the Insurance Act.

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