Mandatory anti-calamity policy for businesses, how much does it cost to bars, shops and restaurants? Simulations

Ania, Unipol, Ivass, Sace, Confindustria, Confesercenti, Confartigianato, Confcommercio, Casartigiani, CNA, Confapi, Federdistribution, Ancd and Ancc-Coop have been summoned On March 31st at the Ministry of Companies and Made in Italy for a table on mandatory catastrophic policies for companies. The meeting will begin at 3 pm. If in the meantime, however, there will be no corrective intervention by the government, that same day the deadline will also expire by which Companies will have to have an insurance policy to cover damage from natural disasters.

The pressing of business associations for a postponement So far it does not seem to have given concrete results. The amendment to the DL bills that aimed at the postponement of seven months of the obligation of catastrophic policies for companiespresented by the deputy Riccardo Zucconi of Fratelli d’Italia, was deemed inadmissible by the Chamber’s Productive Activities Commission. Zucconi filed an appeal to obtain the readmission of the proposals. The outcome will be known on Wednesday in the evening, around 8pm. Meanwhile, the sources of the government let us know that a solution is being worked on but, as the deadline approaches, the fear of the companies is that they cannot be intervened on time.

The Urso-Orsini meeting

On Wednesday 26 March the president of Confindustria Emanuele Orsini met Minister Urso. « The question we will ask it will be: the revenue generated by the catastrophampic insurance, and is expected from 2 to 3 billion, is used to mediate the cost of the insurance? Because I would not like it to be a further tax inserted to our companies at a time when we already have problems of competitiveness and energy costs « , anticipated Tuesday Orsini, intervening in Naples at the first territorial meeting of the new four -year agreement between Confindustria and Intesa Sanpaolo. On catastrophic policies « we ask that it will give more time to companies to adapt, » he reiterated Angelo Camilli, Vice President for Credit, Finance and Fisco of Confindustria. « The decree that completes the regulatory framework for the entry into force of the obligation – explained by intervening at the Industrial Union of Naples – was published only at the end of February and takes time to inquire, make a self -analysis of the risks to which it is also exposed to evaluate to extend the coverage (and therefore the protection) beyond the provisions of the obligation, verify the market asking for estimates. In addition to this there are still some doubts to be solved, on which we have asked for clarifications to Mimit, starting from the theme of access to public facilities, which in turn also affects the relationship with banks « . According to Confindustria it is necessary to give time to companies to equip themselves, analyze the risks, confront the insurance market and evaluate any coverage extensions beyond the mandatory minimum. The Association also proposes to allocate the tax revenue generated by the policies to investments for the safety of the territory, to prevent the costs related to hydrogeological risk fall only on companies.

Who must stipulate policies

The obligation also concerns micro and small businesses which represent more than 90% of the over 4.5 million active companies in Italy, including bars, restaurants, shops and small hotel activities. The only companies for which the obligation was postponed to 31 December 2025 are those of fishing and aquaculture. Only agricultural enterprises are excluded.

Confartigianato: impact of at least 2 billion for small businesses

Confartigianato has calculated an economic impact of at least 2 billion for micro and small businesses that will subscribe to new policies. « We ask that common sense prevails and that we intervene with a postponement of the entry into force to clarify all aspects and build policies suitable for the needs of businesses – urges the president of Confartigianato Marco Granelli, according to which there are still: » many questions that have not been dissolved in the long time between the issuance of the primary rule and the ministerial decree that was released only on February 28, one month after vigor. Now, it is more urgent than ever to find concrete, passable and truly useful solutions to cover this type of risk ».

Only 6% of small businesses are insured

According to a survey commissioned by Easy. The Mup Research Institute, only 6.2% of the micro and small businesses interviewed said they already have a policy against earthquakes, floods, floods, floods and landscapes, to which is added a 4% which, however, said that it was only partially covered.

How much the anti-catastrophe policies cost

Facile.it also developed some simulations by examining three different commercial activities (Restaurant, Autofficina and Hotel) in as many sample cities (Milan, Rome and Palermo) to try to understand how much the new insurance obligation to companies of this size can cost.

In the case of restaurant It was considered a 300,000 euro property containing value equipment of 100,000 euros. The annual prize to sign anCat Nat insurance in Milan it is equal to 343.50 eurosvalue that becomes 401 euros in Rome And 469 euros in Palermo.

For the garage Instead, it was considered a building worth 400,000 euros and 200,000 euros in equipment. In this case, the cost of the policy if the activity is located In Milan it is 359 eurosbecomes 434 euros if in Rome And it comes to 551 euros, however, in Palermo.

The prices for thehotel They rise, by virtue of higher insured values: in this case a property with a value of one million euros and equipment for 500,000 euros. The structure positioned a Milan must budget an annual cost of 703.5 euros, In Rome 720.5 eurosWhile In Palermo 1,033.5 eurosaccording to the simulations of Facile.it.

The variables to consider

«To affect the price – explains Andrea Ghizzoni, Managing Director of Insurance Facile.it – ​​are many variables. Including the Riskness of the territory where the properties where companies are located, the probability of calamitous events in that area are located, The vulnerability of the goods Insurance, the construction characteristics of the property, the type of activity carried out by the company, the location of the property inside the building (distance from the ground in number of floors) and the insured capital « .

What must be ensured

In the decreewhich implementing the provisions of the Budget Law 2024, it is explained that « fixed assets must be guaranteed anyway employed for the exercise of the business activity ». That is land, buildings, plants and machinery, industrial and commercial equipment. For buildings, the precise decree must be insured: the entire building and all masonry and finishing works, including fixed and fixtures, foundation or underground works, water and hygienic systems, fixed electrical systems, heating systems, air conditioning systems,
Reporting and communication systems, lifts, elevators, mobile stairs, other plants or installations of relevance of the building including gates, fences, sewers as well as any shares due to the common parts.