OUR SOLUTIONS – By Type of Insured

Companies are under more pressure than ever, and this is coming from all fronts. Clients demanding increasing levels of service while competition keeps prices low. Regulators more active than ever. Technology enabling growth and productivity but threatening with disruption or leaving the company vulnerable to Cyber attacks from every corner of the world. And Employees who fight to protect their rights.

In this context, insurance plays an increasingly important role, particularly as it becomes an additional Risk Management tool that helps companies reduce their exposures.

At BELUGA we have designed a series of products to cover the different areas of financial liabilities companies face.


Systems and data are at the heart of every organization, no matter how large or small they are. In this day and age, those assets are often more valuable that any physical assets and therefore they need to be protected. Cyber Insurnace can help organizations recover if the unthinkable were to happen.

Cyber threats come in many different forms. From a disgruntled employee who steals vital data to hackers that locks an organization’s computers, start deleting files and demand a ransom. And the consequences can also vary. From fines imposed by data protection agencies to loss of reputation and even a total interruption of activities. For these reasons, it´s important to take out an insurance that not only repays your expenses, but that it can help you get back on your feet.

At Beluga, we offer a comprehensive insurance policy that also provides access to the Zurich DigitalResolve service. We also help organizations that do not meet the minimum requirements to be insured by pointing them in the direction of consultants who can help them strengthen their security as well as their policies and procedures.


There has been a dramatic increase in the frequency and the severity of claims experienced against directors, officers and companies in the last 10 years. As a result, Management Liability Insurance has become a must , irrespective of size, ownership structure or sector of activity.

Most policies have been designed for large multinational corporations and then adapted for smaller companies. And they all miss a key element. In small and medium companies, ownership and management of the company are not always separated. So whether something is paid by the company or its managers or directors, the funds come out of the same ultimate pocket.

At Beluga we have taken the concept of Directors & Officers Liability one step further by designing a policy specifically for small and middle size companies and including cover for the Company for an extended number of exposures.

Through the BELUGA PANEL OF EXPERTS our policies also give access to a range of experts that can provide advice on how to avoid/minimize a claim, can help defend it if it materializes and can help recover after it.

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