Redundancy: an insurance to feel safe
Human civilization has devoted a large part of its history to shaping laws, procedures and resources that, in one way or another, have protected us while simplifying the response to all kinds of setbacks. Properly managing a society, aware of each individual, but also aware of the general collective, is by no means an easy game. However, the maturation that only time and its consequent improvement allow has led us to a world where, despite the much despised bureaucracy, a simple document can get us out of more than a tight predicament
This is precisely the case of insurance policies, without which we would be a little more out in the open, and much less protected when faced with certain types of situations that, predictable or not, threaten our security. But, although the difficult search for good insurance in Mexico is speeded up through platforms such as ElegirSeguro.com, this does not exonerate us from maintaining a neat and analytical follow-up of how much it can benefit us. Since, in the same way that it is the responsibility of an insurer to offer quality packages consistent with a specific reality, it is our authority to choose the perfect insurance.
Addressing risk probabilities in Mexico
Insurance policies are a contract established with an insurer through which, broadly speaking, this covers us from risks
that can cause damage to our property and ourselves through compensation. At this point, it is possible to understand as risk any element that, in some way, is harmful and, therefore, may wreak havoc on our business and even our workers. Often, however, we are accustomed to believing, and perhaps due to a certain habit of invincibility conferred on us by having freed ourselves from other risks, that insurance will never be necessary. However, the figures speak for themselves.
According to the media, during 2019 they were committed in Mexico 34,582 intentional homicides, an increase of 2.5% compared to 2018. The same year, again in 2019, it was calculated that a 21.4% of businesses in Mexico City suffer insecurity. In 2017, according to other sources, more than 3.7 million crimes. And, at another point, without going any further and touching on the natural catastrophes that, unfortunately, many believe they will never suffer, this year floods in Mexico affected 368,000 people, as announced by the press. Therefore, the risk, in Mexico and elsewhere, is a fact more than obvious.
Get the benefits of each insurance right
However, the aforementioned criminality risks are not the only ones that can occur to a company. Insurance, therefore, cover all kinds of assumptions, ranging from cyberattacks in technological startups to what refers to the excavation activities of a construction company. Likewise, each insurance includes different benefits that, depending on the needs and degree of risk exposure of our business, we must choose wisely. Since, and taking an easy example of this, it would be unnecessary for a construction company to include coverage against computer attacks in its insurance, but it would be essential to include transport coverage.
For this, it is necessary to be clear about many factors that may affect us or our business in order to adjust our insurance coverage. For example, and continuing with natural disasters as detailed in the document on flood zones of the Government of Mexico, coastal populations facing the Pacific Ocean are more likely to suffer from the ravages of tropical cyclones. Contrary to inland towns or those facing the Gulf of Mexico, where the risk of incidence is lower or even null. Therefore, if we are located in risk-free areas, it would not be necessary for our insurance to cover us against cyclones, but yes, perhaps, against other adversities.
A matter of judgment
Be that as it may, the main thing here is understand the nature of our business, its probability of risks and, saving any idea of intuition, bet on being well informed before decide under what risks we operate and how to prevent them. As they say, we always believe that nothing will happen to us until it does. And the facts, both those known first-hand and those that populate the news are there to corroborate this sentence.
Therefore, the virtue of prediction and the correct risk analysis is the most accurate. The most effective shield we have in any circumstance, no matter how adverse the situation and no matter how blackened the horizon may seem, is to always operate with judgment and utmost intelligence. Often, with gestures as frankly simple as purchase consistent insurance with everything that concerns its coverage.
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