Lines of Operation

01. Patrimonial

Seguro contra incendios ofrecido por Prodeseg en Ecuador
Fire and allied perils
Provides coverage to buildings, furniture, general equipment, machinery, merchandise and any object that can be affected in case of fire, earthquake, explosion and any other accidental catastrophic event that can damage your property.
Loss of income due to fire
In the event that a business stops receiving income as a result of an incident covered by the Fire policy, this policy guarantees the payment of profits and fixed expenses (earnings).
Burglary & theft
It covers insured property stolen by force or robbery, assault with weapons, narcotics or physical violence and within the premises described in the policy. By express agreement, a limit can be insured for theft coverage (mysterious disappearance).
Fidelity
It covers infidelity, theft, forgery, robbery, breach of trust, fraud or misappropriation of securities or property by one or more employees of the insured.
Money and values
This policy covers the movement of cash, checks, or valuables belonging to the insured, as long as they are transported within Ecuadorian territory.
Vehicles
Covers partial or total losses due to damage or theft of motor vehicles. It also includes civil liability coverage; which covers damage to property or injuries to third parties. The vehicle policy also includes some benefits in case of an accident such as vehicle assistance, legal assistance, and replacement car, among others.
Civil liability

It covers unintentional damages caused by the insured to persons or to the property of third parties and which are related to their main activity. This coverage can be contracted by both companies and independent professionals.

This branch includes the Civil Liability policy for Directors and Administrators (D&O).

Persons in employment dependency with the insured, their relatives by consanguinity or affinity and contractors and subcontractors are not considered third parties.

Ship hull
Covers partial or total losses suffered by the hull of any navigation vessel (yachts, boats, ships, launches) including the vessel's machinery and equipment. Additionally, it covers salvage costs.
Air helmet
This insurance covers damage that may be suffered by aircraft: light aircraft, airplanes, helicopters and any other similar item.

02. Technical Lines

All contractors' risks
It covers civil works construction, including coverage for materials, equipment, and tools. This policy also includes civil liability coverage for damages caused to third parties by the execution of the work.
Machinery breakdown
Machinery breakdown insurance covers the loss or material damage that may occur to machines or equipment in the event of an accident or unexpected event.
Loss of profits due to machinery breakdown
In the event that a business stops receiving income as a result of an incident covered by the Machinery Breakdown policy, this policy guarantees payment of the profit and fixed expenses (earnings) in the industry or business.
Civil works completed
This coverage is valid when the work has been completed or the machinery has been assembled before it is ready to operate.
Assembly of fully comprehensive machinery
This policy covers material damage to the equipment and its facilities during the assembly of the machinery. This policy also includes civil liability coverage for damage caused to third parties during the assembly of the machinery.
Electronic equipment

It covers electronic equipment or equipment with an electronic component that exceeds 60% of the equipment, when it suffers a direct loss or sudden and unforeseen physical damage for any reason that is not specifically excluded in the policy conditions. .

It also covers external data carriers and any additional expenses that the insured may have incurred when using an electronic data processing system to temporarily replace the damaged one.

Contractor equipment and machinery
This policy covers damages suffered by the insured equipment and machinery as a result of an accidental, sudden, and unforeseen incident arising from any cause, except those expressly excluded in the policy conditions.
Seguro de accidentes personales ofrecido por Prodeseg en Ecuador

03. Transport

Seguro de transporte ofrecido por Prodeseg en Ecuador
Internal transport
Provides coverage for the insured's merchandise and general goods, as long as they are transported within Ecuadorian territory. The means of transport may be land, river or air.
Transport imports and exports
It insures the movement of the insured's goods and assets in general, from or to any part of the world by sea, river, air or land.

04. Bonds and credit insurance

Seriousness of offer and compliance with contract
They are guarantees that are issued to support the insured in the execution of a contract or provision of goods.
Good use of anticipation
It serves to guarantee the correct use of the values ​​delivered to the contractor prior to the execution of a contract.
Customs guarantees
These guarantees are required by customs for the payment of taxes and tariffs on an import or export.
Credit insurance
Local and international, it is sure that your portfolio guarantees you a credit with different buyers.
Seguro de responsabilidad civil ofrecido por Prodeseg en Ecuador

05. Special insurance

Seguro de hogar ofrecido por Prodeseg en Ecuador
Agriculture and Livestock
Covers livestock and crops that could be at risk.
Floricola
It is a special policy for flower growers that covers equipment, machinery and other assets as well as the plantation.

06. Life and health assistance

Medical assistance

This insurance protects the insured and his/her dependents (if applicable) against medical expenses that may be incurred to restore health as a result of an illness or accident.

There are INDIVIDUAL plans that are structured for insured persons or families.

COLLECTIVE OR GROUP plans are contracts that apply to companies or groups of more than five insured persons in an employment relationship with the Contractor. The plans can be structured with different benefits according to the client's needs. Some insurers do not require an employment relationship to access these policies. In the market there are closed plans for SMEs and Corporations (up to 50 insured persons), or open plans (more than 50 insured persons).

Individual and group life

Life insurance policies cover the death of the insured, for any reason that may occur anywhere in the world, 24 hours a day, 365 days a year, so that their beneficiaries can receive compensation from the insurance company, according to the product contracted.

Life insurance policies can be INDIVIDUAL plans, structured in various ways, depending on the age of the insured and the need for coverage.

  • Term Life: is a policy contracted for a specific period of time. Once this period has elapsed, the coverage ends.
  • Universal Life: and with Savings: the policy is for life and also works as a savings account (with interest) for retirement, studies and other possible expenses of the insured.
  • Partner Life: insurance for companies, if one of the partners were to die, this insurance covers the purchase of the shares of the deceased partner.

COLLECTIVE plans can be contracted by companies for their employees, officials, executives or partners. Depending on the number of affiliates or insured, it is possible to structure plans with specific coverage, values ​​and benefits.

Personal accidents

This insurance has been designed with the insured in mind, to protect him/her and provide financial security in the event of death or disability caused by an accident, as well as to cover the consequences of bodily accidents that he/she may suffer, both in the exercise of the declared profession or trade, as well as in the normal development of extra-work activities (24 hours a day, 365 days a year anywhere in the world).

Travel insurance
Covers health services and travel assistance worldwide, whenever an emergency due to illness or accident occurs during your trip. Your care is provided through designated providers who provide international support.
Seguros de vida ofrecidos por Prodeseg en Ecuador
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Individual
Insurance
  • Vehicles
  • Life and health assistance
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Corporate
Insurance
  • Property
  • Technical lines
  • Transport
  • Bond and credit insurance
  • Special lines
  • Life and health assistance
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