Insurance
6.154
Requests reviewed and financing plans managed with precision.
2.512
Experts mobilized to help you secure funds with clear terms.
1.784
Satisfied businesses that have grown with Group HSB’s support.
0,29
Years of experience guiding responsible and profitable financial decisions.
Frequently asked questions
Understanding borrower’s insurance
Is borrower’s insurance mandatory?
For some loans (especially mortgages), coverage is often required. Even when it isn’t mandatory, it is strongly recommended to prevent an unexpected event from jeopardizing your household’s financial balance.
Can I adjust or change my contract?
Yes, in many cases changes are possible during the loan term (coverage level, partner insurer, revisions when mutually beneficial...) depending on the applicable conditions. We help you see things clearly before making any decision.
How does coverage work in case of an accident?
In the event of an accident, a claim file is opened with the required supporting documents (medical certificate, employer statement, etc.). Our teams support you so your request is handled under the best conditions.
OUR MAIN COVERAGES
Insurance tailored to your loan and your everyday life
Whether you are financing a home, a professional project, or simply want to protect your family, we combine several guarantees to build tailor-made protection.
Education insurance & life projects
For loans financing studies, student housing, or a major project for your children, certain guarantees ensure the project can continue even in case of the borrower’s death or disability.
Stay in control of your commitments while ensuring the continuity of the beneficiaries’ educational or professional path.
Family & home protection
When a loan finances your primary residence, protecting your assets and household becomes essential. Complementary guarantees can cover certain accidents or life events that affect the home and its occupants.
The goal: preserve household stability, avoid a forced sale, and maintain a safe living environment for your loved ones.
Insurance for business loans
Entrepreneurs, self-employed, liberal professions: a health issue or a sudden drop in activity can weaken the company and private assets. Specific solutions can help insure your business financing.
We assess business continuity, the protection of your partners, and the separation between personal and professional assets.
Work incapacity & hospitalization
Prolonged work incapacity or hospitalization can significantly reduce your income. This coverage pays part of your installments during the recovery period, helping preserve room in your budget for day-to-day expenses until you return to work.
Complement mandatory coverage and any existing protection plans, focusing especially on the weight of your loan payments.
Borrower’s insurance
A cornerstone of loan protection, it applies in the event of death or severe disability (depending on the contract terms). The outstanding balance may be repaid in full or in part, so your loved ones don’t have to bear the debt.
Enrollment can be tailored to your profile (age, health status, loan type) and reviewed if your professional or family situation changes.
Job loss coverage
In the event of job loss under an eligible contract, part or all of your installments may be covered for a defined period. You keep flexibility for your everyday expenses while you find a new job.
Coverage is calibrated with you according to your status (permanent contract, public sector, executive, etc.) and your income structure.
Get insured and protect those who matter to you
Whatever the type of loan you sign, a life event can weaken your ability to repay: job loss, accident, serious illness, premature death... Credit insurance is designed to step in when your income drops, so the loan does not become a source of anxiety for you or your loved ones.
At FINANZA & TRADING S.P.A, we design guarantees that follow the reality of your situation: professional status, household composition, level of debt, and the horizon of your projects. You choose the level of coverage—we help you understand every detail.
In practical terms, what does credit insurance cover?
- Partial or full coverage of your installments in the event of prolonged work incapacity.
- Repayment of the outstanding loan balance in the event of death or severe disability (depending on selected options).
- Protection of your budget in the event of job loss (depending on the options purchased).
- Protection for your spouse, heirs, or partners to avoid a forced sale of assets.
Our advisors explain, step by step, how the guarantees work and in which situations they can be activated.
Talk about my protectionWhy get insured?
Turn a loan into long-lasting protection
Over the years, your situation evolves: a new job, the arrival of a child, a real estate investment, starting a business... Well-calibrated credit insurance supports these stages and preserves your household’s financial stability.
Start an important project
Buying your primary residence, a business loan, or consolidating debt: this is the time to define guarantees aligned with your current income and expenses.
An unexpected event occurs
Commuting accident, long-term illness, job loss... Insurance covers all or part of the installments, avoiding the need to dip into your savings or your loved ones’ savings.
Your assets remain under control
The burden of the loan doesn’t fall solely on your spouse or heirs. You secure the transfer of your assets without having to sacrifice everything to repay the loan.
How does it work?
A simple process to finance your business without stress.
Tell us what you need
Fill out the financing request form in just a few minutes. We will contact you to understand your goal and the ideal amount.
Fast and transparent assessment
We analyze your situation and propose the most viable option. No complicated jargon, no unrealistic promises—just a clear solution.
Disbursement and support
Once approved, you receive the funds and we support you so your financing has real impact. Questions? Check our frequently asked questions.
