Social enterprises

As an operator of care centers for people with disabilities, you bear an enormous responsibility for the well-being of the people you care for and your employees. Operators of workshops for people with disabilities also have a wide range of activities that go far beyond those of a classic social institution. As suppliers to the manufacturing industry, the products they produce and process are used in numerous different industries – some of them worldwide. If there is a health risk due to defective products, this can lead to expensive product recalls. Often, through direct or indirect export, you become part of an international supply chain, which must be taken into account in advance when designing insurance coverage.

The pandemic also increases risks for social enterprises and their managing bodies. Unclear financing by the cost units, the constant adaptation of business processes to new developments as well as official closures can lead to far-reaching problems. Buildings, operating equipment and, if necessary, the associated machinery or vehicle fleet must also be safeguarded against hazards.