The 2013/09/09 at 12:39
Covering all of a client business’s activities and sites via a single contract. This is the service offered by the MMA PRO-PME offer. Such a contract covers responsibility regarding third parties, fire damage, theft, broken glass, or else machinery breakdown affecting premises, machines, equipment or goods. The offer also extends to covering the loss of operation (guarantee of a company’s fixed expenses) in the event of major damage following a fire, storm, water leak, or blocked access. This guarantee also takes into account legal protection. “Constructed to progress up the market scale, these services allow professionals to choose from four formulas to find the protection most adapted to their needs, ranging from the essentials to full protection. A fifth “à la carte” formula allows all guarantees to be combined more freely,” specifies Xavier Poinson, Manager of the Business and Professional Market at MMA.
MMA’s services are aimed at all types of clients. Almost 1,000 professions from the domains of wholesale and retail trade, services for individuals and company clients, and self-employed workers and SMEs in industry can benefit from the offer. Guarantees are organised according to market segments in order to take account of criteria specific to certain activities (for example sale value for a shopkeeper, loss of goods for a food specialist…).
The solutions on offer are “tailor-made” as they can be adapted to suit the situations of businesses perfectly. “Liability insurance relating to environmental damage is important for companies with potentially pollutant processes. New-for-old replacement for equipment under 3 or 6 years old is significant for businesses that have recently invested in their equipment stock and wish to protect it optimally,” illustrates Xavier Poinson.
Beyond the offer itself, MMA has sought to optimise all subscription and support procedures for its networks so that intermediaries can easily identify the needs of the potential business clients they contact. “We supply them with information fiches on professions allowing them to find out the main characteristics of their prospects’ market segments. We train them in fire prevention, theft and electricity issues so that they can approach situations as Risk Managers with the means to map out all risks with their interlocutors. Also note that the wide delegation of intermediaries within our networks helps increase our reactivity in response to prospective clients and clients,” continues the Manager. Another facet of the MMA offer is its collective insurance policies. Whatever the size of an enterprise, the group offers a range of additional health guarantees that can be adapted in accordance with needs and supplemented to meet employee expectations. Contingency guarantees can also be adapted according to the applicable collective conventions.
Naturally, the vastness of the MMA network is another of its strengths. Today, the group relies on 1,800 points of sale and almost 600 partner brokers. The turnover generated by professionals and enterprises makes up one-third of the global turnover. The group’s ambition is to augment its professional and SME segment from a market share of 7 % to 10 % by capitalising on the experience reaped from other markets where MMA holds significant market shares: 70 % of the liability insurance market for legal and accounting professions, 29 % for automobile professionals and 10 % for public works and construction companies.
Staying close to clients is one of the group’s main preoccupations. “All studies and surveys demonstrate that apart from the need for expertise that clients look for, strong expectations exist in terms of proximity. The strength of our networks is to offer proximity both geographically and also in the entrepreneurial mentality,” indicates Xavier Poinson.He adds that in coming years, the objective will, more than ever, be to “develop the quality of services brought to enterprises. This is our main preoccupation on a daily basis. Listening to the ambitions of company heads and understanding their strategies and investments will enable us to bring the right and appropriate level of coverage to ensure the longevity of the enterprise in the event of a disaster.”