{"id":1121,"date":"2026-03-16T09:19:54","date_gmt":"2026-03-16T08:19:54","guid":{"rendered":"https:\/\/www.svd.it\/italiano\/?page_id=1121"},"modified":"2026-08-17T15:51:28","modified_gmt":"2026-08-17T13:51:28","slug":"faq","status":"publish","type":"page","link":"https:\/\/www.svd.it\/italiano\/faq\/","title":{"rendered":"Domande frequenti"},"content":{"rendered":"[vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“default“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ scene_position=“center“ bottom_padding=“4%“ left_padding_desktop=“6%“ constrain_group_2=“yes“ right_padding_desktop=“6%“ left_padding_phone=“0″ constrain_group_6=“yes“ right_padding_phone=“0″ text_color=“dark“ text_align=“left“ row_border_radius=“none“ row_border_radius_applies=“bg“ row_position_desktop=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ overlay_strength=“0.3″ gradient_direction=“left_to_right“ shape_divider_position=“bottom“ bg_image_animation=“none“ gradient_type=“default“ shape_type=““][vc_column column_padding=“no-extra-padding“ column_padding_tablet=“inherit“ column_padding_phone=“inherit“ column_padding_position=“all“ flex_gap_desktop=“10px“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“1\/1″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“][vc_row_inner equal_height=“yes“ column_margin=“default“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ text_align=“left“ row_position=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ pointer_events=“all“][vc_column_inner top_padding_desktop=“8%“ constrain_group_100=“yes“ bottom_padding_desktop=“8%“ left_padding_desktop=“16%“ constrain_group_101=“yes“ right_padding_desktop=“16%“ top_padding_phone=“12%“ constrain_group_104=“yes“ bottom_padding_phone=“12%“ left_padding_phone=“6%“ constrain_group_105=“yes“ right_padding_phone=“6%“ column_element_direction_desktop=“default“ column_element_spacing=“0px“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color=“#E30029″ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ font_color=“#FFFFFF“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ overflow=“visible“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“1\/1″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“ column_padding_type=“advanced“ content_layout=“default“ gradient_type=“default“][nectar_responsive_text inherited_font_style=“h6″ text_direction=“default“]FAQ \u2013 Domande e risposte[\/nectar_responsive_text][divider line_type=“No Line“ custom_height=“10px“][nectar_responsive_text inherited_font_style=“h2″ text_direction=“default“ max_width=“800px“ font_size_phone=“27px“ font_line_height=“1.2″]Le nostre risposte alle domande pi\u00f9 frequenti sul tema delle assicurazioni[\/nectar_responsive_text][divider line_type=“No Line“ custom_height=“20px“][nectar_responsive_text inherited_font_style=“h4″ text_direction=“default“ max_width=“800px“ font_size_desktop=“21px“ font_size_tablet=“18px“ font_size_phone=“16px“ font_line_height=“1.3″]Noi dell\u2019SVD \u2013 Servizio Assicurativo Alto Adige parliamo chiaro. Dopotutto, quando si tratta di assicurazioni, una cosa conta pi\u00f9 di tutte: la fiducia! Di seguito troverai risposte chiare e competenti a tutte le domande pi\u00f9 frequenti relative alla copertura assicurativa.[\/nectar_responsive_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=“in_container“ full_screen_row_position=“middle“ column_margin=“default“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ scene_position=“center“ top_padding=“2%“ left_padding_desktop=“6%“ constrain_group_2=“yes“ right_padding_desktop=“6%“ text_color=“dark“ text_align=“left“ row_border_radius=“none“ row_border_radius_applies=“bg“ row_position_desktop=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ overlay_strength=“0.3″ gradient_direction=“left_to_right“ shape_divider_position=“bottom“ bg_image_animation=“none“ gradient_type=“default“ shape_type=““][vc_column column_padding=“no-extra-padding“ column_padding_tablet=“inherit“ column_padding_phone=“inherit“ column_padding_position=“all“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“center“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“1\/1″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“ column_padding_type=“default“ content_layout=“default“ gradient_type=“default“][nectar_responsive_text inherited_font_style=“h2″ text_direction=“default“ font_size_phone=“27px“ font_line_height=“1.2″]Domande e risposte
\nper i clienti privati[\/nectar_responsive_text][\/vc_column][\/vc_row][vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“40px“ equal_height=“yes“ content_placement=“middle“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ scene_position=“center“ top_padding=“2%“ bottom_padding=“4%“ left_padding_desktop=“12%“ constrain_group_2=“yes“ right_padding_desktop=“12%“ left_padding_phone=“6%“ constrain_group_6=“yes“ right_padding_phone=“6%“ text_color=“dark“ text_align=“left“ row_border_radius=“none“ row_border_radius_applies=“bg“ row_position_desktop=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ row_name=“Sign Up Steps“ overlay_strength=“0.3″ gradient_direction=“left_to_right“ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““ gradient_type=“default“][vc_column column_padding=“no-extra-padding“ column_padding_tablet=“inherit“ column_padding_phone=“inherit“ column_padding_position=“all“ column_element_direction_desktop=“default“ column_element_spacing=“40px“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“1\/1″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“ offset=“vc_col-xs-12″ column_padding_type=“default“ content_layout=“default“ gradient_type=“default“][nectar_global_section id=“2478″][\/vc_column][\/vc_row][vc_row type=“in_container“ full_screen_row_position=“middle“ column_margin=“default“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ scene_position=“center“ top_padding=“2%“ left_padding_desktop=“6%“ constrain_group_2=“yes“ right_padding_desktop=“6%“ text_color=“dark“ text_align=“left“ row_border_radius=“none“ row_border_radius_applies=“bg“ row_position_desktop=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ overlay_strength=“0.3″ gradient_direction=“left_to_right“ shape_divider_position=“bottom“ bg_image_animation=“none“ gradient_type=“default“ shape_type=““][vc_column column_padding=“no-extra-padding“ column_padding_tablet=“inherit“ column_padding_phone=“inherit“ column_padding_position=“all“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“center“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“1\/1″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“ column_padding_type=“default“ content_layout=“default“ gradient_type=“default“][nectar_responsive_text inherited_font_style=“h2″ text_direction=“default“ font_size_phone=“27px“ font_line_height=“1.2″]Domande e risposte
\nper i clienti aziendali[\/nectar_responsive_text][\/vc_column][\/vc_row][vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“40px“ equal_height=“yes“ content_placement=“top“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ scene_position=“center“ top_padding=“2%“ bottom_padding=“4%“ left_padding_desktop=“12%“ constrain_group_2=“yes“ right_padding_desktop=“12%“ left_padding_phone=“6%“ constrain_group_6=“yes“ right_padding_phone=“6%“ text_color=“dark“ text_align=“left“ row_border_radius=“none“ row_border_radius_applies=“bg“ row_position_desktop=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ row_name=“Sign Up Steps“ overlay_strength=“0.3″ gradient_direction=“left_to_right“ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““ gradient_type=“default“][vc_column column_padding=“no-extra-padding“ column_padding_tablet=“inherit“ column_padding_phone=“inherit“ column_padding_position=“all“ column_element_direction_desktop=“default“ column_element_spacing=“40px“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“1\/1″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“ offset=“vc_col-xs-12″ column_padding_type=“default“ content_layout=“default“ gradient_type=“default“][nectar_global_section id=“2477″][\/vc_column][\/vc_row][vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“default“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ scene_position=“center“ top_padding=“4%“ constrain_group_1=“yes“ bottom_padding=“4%“ left_padding_desktop=“6%“ constrain_group_2=“yes“ right_padding_desktop=“6%“ left_padding_phone=“0″ constrain_group_6=“yes“ right_padding_phone=“0″ text_color=“dark“ text_align=“left“ row_border_radius=“none“ row_border_radius_applies=“bg“ row_position_desktop=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ overlay_strength=“0.3″ gradient_direction=“left_to_right“ shape_divider_position=“bottom“ bg_image_animation=“none“ gradient_type=“default“ shape_type=““][vc_column column_padding=“no-extra-padding“ column_padding_tablet=“inherit“ column_padding_phone=“inherit“ column_padding_position=“all“ flex_gap_desktop=“10px“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“1\/1″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“][vc_row_inner equal_height=“yes“ column_margin=“default“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ text_align=“left“ row_position=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ pointer_events=“all“][vc_column_inner top_padding_desktop=“8%“ constrain_group_100=“yes“ bottom_padding_desktop=“8%“ left_padding_desktop=“16%“ constrain_group_101=“yes“ right_padding_desktop=“16%“ top_padding_phone=“12%“ constrain_group_104=“yes“ bottom_padding_phone=“12%“ left_padding_phone=“6%“ constrain_group_105=“yes“ right_padding_phone=“6%“ column_element_direction_desktop=“default“ column_element_spacing=“0px“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color=“#E30029″ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ font_color=“#FFFFFF“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ overflow=“visible“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“1\/1″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“ column_padding_type=“advanced“ content_layout=“default“ gradient_type=“default“][nectar_responsive_text inherited_font_style=“h6″ text_direction=“default“]Domande frequenti \u2013 Clienti privati[\/nectar_responsive_text][divider line_type=“No Line“ custom_height=“10px“][nectar_responsive_text inherited_font_style=“h2″ text_direction=“default“ max_width=“800px“ font_size_phone=“27px“ font_line_height=“1.2″]Domande e risposte per i clienti privati \u2013 con SVD hai tutto sotto controllo![\/nectar_responsive_text][divider line_type=“No Line“ custom_height=“50px“ custom_height_phone=“25px“][nectar_cta btn_style=“basic“ heading_tag=“h5″ border_radius=“0″ link_type=“regular“ button_color=“default“ button_color_hover=“#FFFFFF“ text_color=“#FFFFFF“ text_color_hover=“#E30029″ button_border_color=“#FFFFFF“ button_border_color_hover=“#FFFFFF“ button_border_thickness=“2px“ alignment=“left“ alignment_tablet=“default“ alignment_phone=“default“ constrain_group_3=“yes“ constrain_group_4=“yes“ display=“block“ display_tablet=“inherit“ display_phone=“inherit“ icon_family=“none“ icon_alignment=“left“ link_text=“I nostri prodotti per i clienti privati“ padding_top=“16″ padding_bottom=“16″ padding_left=“24″ padding_right=“24″ url=“\/privat-versicherungen\/“][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“default“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ scene_position=“center“ top_padding=“4%“ constrain_group_1=“yes“ bottom_padding=“4%“ left_padding_desktop=“6%“ constrain_group_2=“yes“ right_padding_desktop=“6%“ text_color=“dark“ text_align=“left“ row_border_radius=“none“ row_border_radius_applies=“bg“ row_position_desktop=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ id=“Hausrat“ overlay_strength=“0.3″ gradient_direction=“left_to_right“ shape_divider_position=“bottom“ bg_image_animation=“none“ gradient_type=“default“ shape_type=““][vc_column right_padding_desktop=“6%“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“1\/3″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“ column_padding_type=“advanced“ content_layout=“default“ gradient_type=“default“][nectar_responsive_text inherited_font_style=“h6″ text_direction=“default“]Privato[\/nectar_responsive_text][nectar_responsive_text inherited_font_style=“h3″ text_color=“#5F6265″ text_direction=“default“]Domande e risposte sull\u2019 assicurazione sulla mobilia domestica[\/nectar_responsive_text][\/vc_column][vc_column column_padding=“no-extra-padding“ column_padding_tablet=“inherit“ column_padding_phone=“inherit“ column_padding_position=“all“ flex_gap_desktop=“10px“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“2\/3″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“][toggles style=“minimal“ accordion=“true“ accordion_starting_functionality=“closed“][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Quando conviene stipulare un’assicurazione sulla mobilia domestica?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Un‘assicurazione sulla mobilia domestica<\/a> \u00e8 utile sia se siete proprietari di un appartamento o di una casa, sia se vivete in affitto. In linea di massima, questa assicurazione \u00e8 adatta a chiunque gestisca una famiglia.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Quali persone sono coperte da un’assicurazione sulla mobilia domestica?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Un‘assicurazione sulla mobilia domestica<\/a> comprende solitamente anche la copertura della responsabilit\u00e0 civile privata o familiare. In questo caso, tutte le persone indicate nel modulo familiare beneficiano della copertura assicurativa.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Quali danni vengono risarciti o sono coperti dall’assicurazione sulla mobilia domestica?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Di norma sono coperti i danni causati da incendio o da perdite idriche, i danni dovuti a eventi naturali, atti di vandalismo, rottura di vetri e guasti elettrici. A ci\u00f2 si aggiunge la responsabilit\u00e0 civile per i danni che possono derivare dalla gestione della casa. Rientra in questa categoria, ad esempio, una lavatrice difettosa che provoca un danno da acqua nell\u2019appartamento del vicino.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Quando \u00e8 necessaria un’assicurazione sulla mobilia domestica?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Se avete una famiglia, \u00e8 sempre consigliabile stipulare un‘assicurazione sulla mobilia domestica<\/a>.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Come e dove si segnala un eventuale danno?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_size_phone=“18px“ font_line_height=“1.4″]Rivolgetevi direttamente al personale del Servizio Assicurativo Alto Adige presso le filiali di Merano e Silandro in Val Venosta. In qualit\u00e0 di agenzia assicurativa intermediaria, vi assisteremo personalmente in caso di sinistro e ci occuperemo di sbrigare le pratiche nel modo migliore.[\/nectar_responsive_text][\/toggle][\/toggles][\/vc_column][\/vc_row][vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“default“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ scene_position=“center“ top_padding=“4%“ constrain_group_1=“yes“ bottom_padding=“4%“ left_padding_desktop=“6%“ constrain_group_2=“yes“ right_padding_desktop=“6%“ text_color=“dark“ text_align=“left“ row_border_radius=“none“ row_border_radius_applies=“bg“ row_position_desktop=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ id=“Haftpflicht“ overlay_strength=“0.3″ gradient_direction=“left_to_right“ shape_divider_position=“bottom“ bg_image_animation=“none“ gradient_type=“default“ shape_type=““][vc_column right_padding_desktop=“6%“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“1\/3″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“ column_padding_type=“advanced“ content_layout=“default“ gradient_type=“default“][nectar_responsive_text inherited_font_style=“h6″ text_direction=“default“]Privato[\/nectar_responsive_text][nectar_responsive_text inherited_font_style=“h3″ text_color=“#5F6265″ text_direction=“default“]Domande e risposte sull\u2019assicurazione di responsabilit\u00e0 civile privata[\/nectar_responsive_text][\/vc_column][vc_column column_padding=“no-extra-padding“ column_padding_tablet=“inherit“ column_padding_phone=“inherit“ column_padding_position=“all“ flex_gap_desktop=“10px“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“2\/3″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“][toggles style=“minimal“ accordion=“true“ accordion_starting_functionality=“closed“][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Chi \u00e8 coperto dall’assicurazione di responsabilit\u00e0 civile privata?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Tutte le persone indicate nel modulo familiare sono automaticamente coperte dall’assicurazione.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“In quali casi interviene l’assicurazione di responsabilit\u00e0 civile privata?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]L’assicurazione di responsabilit\u00e0 civile familiare copre i danni causati involontariamente da uno o entrambi gli assicurati a terzi, anche in caso di negligenza. Nel caso di assicurati minorenni, sono coperti anche gli atti dolosi.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Cosa copre l’assicurazione di responsabilit\u00e0 civile privata?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]L’assicurazione di responsabilit\u00e0 civile privata <\/a> copre in generale i danni causati involontariamente a terzi.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“I costi dell’assicurazione di responsabilit\u00e0 civile privata aumentano dopo la segnalazione di un sinistro?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]No, i premi dell’assicurazione di responsabilit\u00e0 civile privata <\/a> non aumentano in base al numero di sinistri denunciati.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“L’assicurazione di responsabilit\u00e0 civile privata \u00e8 valida anche all’estero?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_size_phone=“18px“ font_line_height=“1.4″]Noi dell\u2019SVD \u2013 Servizio Assicurativo Alto Adige consigliamo di stipulare un\u2019assicurazione di responsabilit\u00e0 civile<\/a> privata con copertura mondiale.[\/nectar_responsive_text][\/toggle][\/toggles][\/vc_column][\/vc_row][vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“default“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ scene_position=“center“ top_padding=“4%“ constrain_group_1=“yes“ bottom_padding=“4%“ left_padding_desktop=“6%“ constrain_group_2=“yes“ right_padding_desktop=“6%“ text_color=“dark“ text_align=“left“ row_border_radius=“none“ row_border_radius_applies=“bg“ row_position_desktop=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ id=“Unfall“ overlay_strength=“0.3″ gradient_direction=“left_to_right“ shape_divider_position=“bottom“ bg_image_animation=“none“ gradient_type=“default“ shape_type=““][vc_column right_padding_desktop=“6%“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“1\/3″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“ column_padding_type=“advanced“ content_layout=“default“ gradient_type=“default“][nectar_responsive_text inherited_font_style=“h6″ text_direction=“default“]Privato[\/nectar_responsive_text][nectar_responsive_text inherited_font_style=“h3″ text_color=“#5F6265″ text_direction=“default“]Domande e risposte sull\u2019assicurazione contro gli infortuni[\/nectar_responsive_text][\/vc_column][vc_column column_padding=“no-extra-padding“ column_padding_tablet=“inherit“ column_padding_phone=“inherit“ column_padding_position=“all“ flex_gap_desktop=“10px“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“2\/3″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“][toggles style=“minimal“ accordion=“true“ accordion_starting_functionality=“closed“][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“In quali casi interviene l’assicurazione contro gli infortuni?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]L‘assicurazione contro gli infortuni<\/a> vi garantisce la copertura necessaria in caso di infortuni sul tempo libero o sul lavoro, nei limiti delle garanzie stipulate. Tra le garanzie disponibili figurano, ad esempio, la prestazione in caso di decesso dell\u2019assicurato, in caso di invalidit\u00e0 permanente, la copertura delle spese derivanti dall\u2019infortunio, una rendita annuale in caso di raggiungimento di un determinato grado di invalidit\u00e0 permanente, un\u2019indennit\u00e0 giornaliera o un\u2019indennit\u00e0 per il periodo di immobilizzazione con gesso. A seconda delle esigenze, sono possibili estensioni delle garanzie.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Quanto tempo si ha a disposizione per denunciare l’incidente?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Un incidente deve essere segnalato il prima possibile, di norma entro tre giorni.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Dove posso denunciare l’incidente?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Potete segnalare l’incidente direttamente al personale del Servizio Assicurativo Alto Adige. In qualit\u00e0 di intermediari assicurativi, ci occupiamo sia della segnalazione che delle successive pratiche.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Perch\u00e9 \u00e8 necessaria un’assicurazione contro gli infortuni?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Un’assicurazione privata contro gli infortuni<\/a> \u00e8 utile praticamente per chiunque. In genere copre le spese mediche e le conseguenze finanziarie di un infortunio per s\u00e9 stessi e i propri familiari, sia nella vita privata che in quella lavorativa. Le assicurazioni contro gli infortuni intervengono anche in caso di invalidit\u00e0 permanente causata da un infortunio o di decesso per infortunio.[\/nectar_responsive_text][\/toggle][\/toggles][\/vc_column][\/vc_row][vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“default“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ scene_position=“center“ top_padding=“4%“ constrain_group_1=“yes“ bottom_padding=“4%“ left_padding_desktop=“6%“ constrain_group_2=“yes“ right_padding_desktop=“6%“ text_color=“dark“ text_align=“left“ row_border_radius=“none“ row_border_radius_applies=“bg“ row_position_desktop=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ id=“Leben“ overlay_strength=“0.3″ gradient_direction=“left_to_right“ shape_divider_position=“bottom“ bg_image_animation=“none“ gradient_type=“default“ shape_type=““][vc_column right_padding_desktop=“6%“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“1\/3″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“ column_padding_type=“advanced“ content_layout=“default“ gradient_type=“default“][nectar_responsive_text inherited_font_style=“h6″ text_direction=“default“]Privato[\/nectar_responsive_text][nectar_responsive_text inherited_font_style=“h3″ text_color=“#5F6265″ text_direction=“default“]Domande e risposte sull’assicurazione sulla vita e sull’assicurazione in caso di decesso[\/nectar_responsive_text][\/vc_column][vc_column column_padding=“no-extra-padding“ column_padding_tablet=“inherit“ column_padding_phone=“inherit“ column_padding_position=“all“ flex_gap_desktop=“10px“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“2\/3″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“][toggles style=“minimal“ accordion=“true“ accordion_starting_functionality=“closed“][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“In quali casi l’assicurazione sulla vita non eroga il risarcimento?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Di norma sono previsti una serie di criteri di esclusione. I pi\u00f9 comuni sono:<\/p>\n

\u2013 Suicidio entro 24 mesi dalla stipula della polizza
\n\u2013 Pratica di sport rischiosi quali sport aerei, sport motoristici ecc.
\n\u2013 Guida in stato di ebbrezza<\/p>\n

Alcune delle esclusioni previste possono essere coperte da clausole speciali.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Chi \u00e8 il beneficiario?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Di norma, il beneficiario viene designato al momento della stipula del contratto. La prassi prevede che, in caso di mancata designazione del beneficiario, in caso di decesso dell\u2019assicurato la compagnia assicurativa eroghi la prestazione in proporzione agli eredi legittimi o testamentari (coniuge, figli ecc.).[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Quando verr\u00e0 versato l’importo?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Nel caso di un\u2019assicurazione sulla vita a rischio, il capitale concordato viene liquidato in caso di decesso dell\u2019assicurato durante la durata del contratto. Se il contratto giunge a scadenza senza che l\u2019assicurato sia deceduto nel frattempo, non viene effettuato alcun pagamento. Nell\u2019assicurazione sulla vita, invece, al termine della durata del contratto viene corrisposto il capitale maturato. Noi del S\u00fcdtiroler Versicherungsdienst proponiamo anche polizze che rappresentano forme miste delle due varianti: l\u2019assicurazione sul decesso e l\u2019assicurazione sulla vita.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Perch\u00e9 \u00e8 importante stipulare un’assicurazione sulla vita e un’assicurazione in caso di decesso?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Un‘assicurazione sulla morte<\/a> serve in genere a garantire la sicurezza finanziaria dei superstiti. L’assicurazione sulla vita, invece, \u00e8 utile come strumento di risparmio o come pensione integrativa.[\/nectar_responsive_text][\/toggle][\/toggles][\/vc_column][\/vc_row][vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“default“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ scene_position=“center“ top_padding=“4%“ constrain_group_1=“yes“ bottom_padding=“4%“ left_padding_desktop=“6%“ constrain_group_2=“yes“ right_padding_desktop=“6%“ text_color=“dark“ text_align=“left“ row_border_radius=“none“ row_border_radius_applies=“bg“ row_position_desktop=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ id=“Rechtsschutz“ overlay_strength=“0.3″ gradient_direction=“left_to_right“ shape_divider_position=“bottom“ bg_image_animation=“none“ gradient_type=“default“ shape_type=““][vc_column right_padding_desktop=“6%“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“1\/3″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“ column_padding_type=“advanced“ content_layout=“default“ gradient_type=“default“][nectar_responsive_text inherited_font_style=“h6″ text_direction=“default“]Privato[\/nectar_responsive_text][nectar_responsive_text inherited_font_style=“h3″ text_color=“#5F6265″ text_direction=“default“]Domande e risposte sull\u2019assicurazione di tutela legale privata[\/nectar_responsive_text][\/vc_column][vc_column column_padding=“no-extra-padding“ column_padding_tablet=“inherit“ column_padding_phone=“inherit“ column_padding_position=“all“ flex_gap_desktop=“10px“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“2\/3″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“][toggles style=“minimal“ accordion=“true“ accordion_starting_functionality=“closed“][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Per quanto tempo i figli sono coperti da un’assicurazione di tutela legale privata?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]I figli e i familiari sono coperti dall’assicurazione purch\u00e9 figurino nel modulo familiare.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Cosa copre l’assicurazione privata di tutela legale?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Copre i costi relativi alle controversie legali, ad esempio le spese per avvocati e periti o le spese processuali. Un\u2019assicurazione privata di tutela legale<\/a> copre anche le spese della controparte nel caso in cui l\u2019assicurato perda la causa in tribunale.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Chi ha bisogno di un’assicurazione di tutela legale privata?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Le controversie vengono spesso risolte in tribunale. L\u2019assicurazione privata di tutela legale<\/a> copre i costi di tali contenziosi.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Quando entra in vigore l’assicurazione privata di tutela legale?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Di norma, l\u2019assicurazione di tutela legale<\/a> entra in vigore a partire dalle ore 24:00 del giorno di inizio del contratto. Per determinati casi, i contratti prevedono periodi di attesa compresi tra 90 e 180 giorni. A seconda del contratto, possono esserci disposizioni speciali.[\/nectar_responsive_text][\/toggle][\/toggles][\/vc_column][\/vc_row][vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“default“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ scene_position=“center“ top_padding=“4%“ constrain_group_1=“yes“ bottom_padding=“4%“ left_padding_desktop=“6%“ constrain_group_2=“yes“ right_padding_desktop=“6%“ text_color=“dark“ text_align=“left“ row_border_radius=“none“ row_border_radius_applies=“bg“ row_position_desktop=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ id=“Auto“ overlay_strength=“0.3″ gradient_direction=“left_to_right“ shape_divider_position=“bottom“ bg_image_animation=“none“ gradient_type=“default“ shape_type=““][vc_column right_padding_desktop=“6%“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“1\/3″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“ column_padding_type=“advanced“ content_layout=“default“ gradient_type=“default“][nectar_responsive_text inherited_font_style=“h6″ text_direction=“default“]Privato[\/nectar_responsive_text][nectar_responsive_text inherited_font_style=“h3″ text_color=“#5F6265″ text_direction=“default“]Domande e risposte sull\u2019assicurazione auto[\/nectar_responsive_text][\/vc_column][vc_column column_padding=“no-extra-padding“ column_padding_tablet=“inherit“ column_padding_phone=“inherit“ column_padding_position=“all“ flex_gap_desktop=“10px“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“2\/3″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“][toggles style=“minimal“ accordion=“true“ accordion_starting_functionality=“closed“][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“A partire da quando diminuisce il premio dell’assicurazione auto?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Di norma, i premi diminuiscono man mano che l’assicurato guida senza incidenti per un periodo pi\u00f9 lungo: nel sistema bonus-malus, ogni anno passa alla fascia immediatamente inferiore, detta anche classe di bonus.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Cosa copre l’assicurazione di responsabilit\u00e0 civile auto?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]L‘assicurazione di responsabilit\u00e0 civile auto<\/a>, prevista dalla legge, copre in linea di principio i danni materiali e alle persone causati a terzi nel contesto della circolazione stradale; sono coperti anche tutti i passeggeri del veicolo.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Come viene determinata la classe di merito nell’assicurazione di responsabilit\u00e0 civile auto?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]L‘assicurazione di responsabilit\u00e0 civile auto<\/a> prevede 18 livelli di bonus-malus. In linea di massima, la classe iniziale per un conducente che assicura un\u2019auto per la prima volta \u00e8 la 14\u00aa classe di bonus-malus. Fanno eccezione i casi in cui altri membri della famiglia, indicati nel modulo familiare, si trovino gi\u00e0 in una classe inferiore. In tal caso \u00e8 possibile assumere la stessa classe di bonus-malus pi\u00f9 vantaggiosa o inferiore.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Come viene calcolata l’assicurazione auto?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]L’importo del premio dell’assicurazione auto dipende da una serie di fattori, tra cui: la marca e il modello dell’auto, la cilindrata e la potenza del veicolo, nonch\u00e9 la classe di bonus-malus. Anche il luogo di residenza del proprietario del veicolo influisce sul calcolo.[\/nectar_responsive_text][\/toggle][\/toggles][\/vc_column][\/vc_row][vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“default“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ scene_position=“center“ top_padding=“4%“ constrain_group_1=“yes“ bottom_padding=“4%“ left_padding_desktop=“6%“ constrain_group_2=“yes“ right_padding_desktop=“6%“ left_padding_phone=“0″ constrain_group_6=“yes“ right_padding_phone=“0″ text_color=“dark“ text_align=“left“ row_border_radius=“none“ row_border_radius_applies=“bg“ row_position_desktop=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ overlay_strength=“0.3″ gradient_direction=“left_to_right“ shape_divider_position=“bottom“ bg_image_animation=“none“ gradient_type=“default“ shape_type=““][vc_column column_padding=“no-extra-padding“ column_padding_tablet=“inherit“ column_padding_phone=“inherit“ column_padding_position=“all“ flex_gap_desktop=“10px“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“1\/1″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“][vc_row_inner equal_height=“yes“ column_margin=“default“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ text_align=“left“ row_position=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ pointer_events=“all“][vc_column_inner top_padding_desktop=“8%“ constrain_group_100=“yes“ bottom_padding_desktop=“8%“ left_padding_desktop=“16%“ constrain_group_101=“yes“ right_padding_desktop=“16%“ top_padding_phone=“12%“ constrain_group_104=“yes“ bottom_padding_phone=“12%“ left_padding_phone=“6%“ constrain_group_105=“yes“ right_padding_phone=“6%“ column_element_direction_desktop=“default“ column_element_spacing=“0px“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color=“#E30029″ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ font_color=“#FFFFFF“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ overflow=“visible“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“1\/1″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“ column_padding_type=“advanced“ content_layout=“default“ gradient_type=“default“][nectar_responsive_text inherited_font_style=“h6″ text_direction=“default“]Domande frequenti \u2013 Azienda[\/nectar_responsive_text][divider line_type=“No Line“ custom_height=“10px“][nectar_responsive_text inherited_font_style=“h2″ text_direction=“default“ max_width=“800px“]Domande e risposte per la tua azienda: con SVD sei sempre aggiornato![\/nectar_responsive_text][divider line_type=“No Line“ custom_height=“50px“][nectar_cta btn_style=“basic“ heading_tag=“h5″ border_radius=“0″ link_type=“regular“ button_color=“default“ button_color_hover=“#FFFFFF“ text_color=“#FFFFFF“ text_color_hover=“#E30029″ button_border_color=“#FFFFFF“ button_border_color_hover=“#FFFFFF“ button_border_thickness=“2px“ alignment=“left“ alignment_tablet=“default“ alignment_phone=“default“ constrain_group_3=“yes“ constrain_group_4=“yes“ display=“block“ display_tablet=“inherit“ display_phone=“inherit“ icon_family=“none“ icon_alignment=“left“ link_text=“I nostri prodotti per le aziende“ padding_top=“16″ padding_bottom=“16″ padding_left=“24″ padding_right=“24″ url=“\/betriebsversicherungen\/“][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“default“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ scene_position=“center“ top_padding=“4%“ constrain_group_1=“yes“ bottom_padding=“4%“ left_padding_desktop=“6%“ constrain_group_2=“yes“ right_padding_desktop=“6%“ text_color=“dark“ text_align=“left“ row_border_radius=“none“ row_border_radius_applies=“bg“ row_position_desktop=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ id=“Sachversicherung“ overlay_strength=“0.3″ gradient_direction=“left_to_right“ shape_divider_position=“bottom“ bg_image_animation=“none“ gradient_type=“default“ shape_type=““][vc_column right_padding_desktop=“6%“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“1\/3″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“ column_padding_type=“advanced“ content_layout=“default“ gradient_type=“default“][nectar_responsive_text inherited_font_style=“h6″ text_direction=“default“]Azienda[\/nectar_responsive_text][nectar_responsive_text inherited_font_style=“h3″ text_color=“#5F6265″ text_direction=“default“]Domande e risposte sull\u2019assicurazione sui beni[\/nectar_responsive_text][\/vc_column][vc_column column_padding=“no-extra-padding“ column_padding_tablet=“inherit“ column_padding_phone=“inherit“ column_padding_position=“all“ flex_gap_desktop=“10px“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“2\/3″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“][toggles style=“minimal“ accordion=“true“ accordion_starting_functionality=“closed“][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Che cos\u2019\u00e8 un\u2019assicurazione sui beni?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Le assicurazioni sui beni materiali offerte dall\u2019SVD \u2013 Servizio Assicurativo Alto Adige Assicurazioni sui beni materiali<\/a> tutelano il patrimonio materiale di un\u2019azienda, ad esempio capannoni, uffici, arredi, impianti di produzione, merci e scorte.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Quali rischi copre l’assicurazione contro i danni ai beni?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]L’estensione della copertura assicurativa delle polizze mediate dall’SVD \u2013 Servizio Assicurativo Alto Adige dipende dalle specifiche esigenze aziendali e pu\u00f2 variare notevolmente. Di norma sono coperti i danni causati da incendio, acqua di rete, guasti elettrici, atti vandalici, eventi naturali, furto o rottura di macchinari. \u00c8 possibile assicurare anche i rischi legati a catastrofi naturali, quali terremoti e inondazioni.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“A chi \u00e8 destinata un’assicurazione sui beni?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]L‘assicurazione sui beni<\/a> \u00e8 indispensabile per ogni azienda. Serve a proteggere l’intero patrimonio aziendale da una vasta gamma di rischi.[\/nectar_responsive_text][\/toggle][\/toggles][\/vc_column][\/vc_row][vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“default“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ scene_position=“center“ top_padding=“4%“ constrain_group_1=“yes“ bottom_padding=“4%“ left_padding_desktop=“6%“ constrain_group_2=“yes“ right_padding_desktop=“6%“ text_color=“dark“ text_align=“left“ row_border_radius=“none“ row_border_radius_applies=“bg“ row_position_desktop=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ id=“Betriebhaftpflicht“ overlay_strength=“0.3″ gradient_direction=“left_to_right“ shape_divider_position=“bottom“ bg_image_animation=“none“ gradient_type=“default“ shape_type=““][vc_column right_padding_desktop=“6%“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“1\/3″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“ column_padding_type=“advanced“ content_layout=“default“ gradient_type=“default“][nectar_responsive_text inherited_font_style=“h6″ text_direction=“default“]Azienda[\/nectar_responsive_text][nectar_responsive_text inherited_font_style=“h3″ text_color=“#5F6265″ text_direction=“default“]Domande e risposte sulla responsabilit\u00e0 civile aziendale[\/nectar_responsive_text][\/vc_column][vc_column column_padding=“no-extra-padding“ column_padding_tablet=“inherit“ column_padding_phone=“inherit“ column_padding_position=“all“ flex_gap_desktop=“10px“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“2\/3″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“][toggles style=“minimal“ accordion=“true“ accordion_starting_functionality=“closed“][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Cosa copre l’assicurazione di responsabilit\u00e0 civile aziendale?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]In linea di principio, l\u2019assicurazione di responsabilit\u00e0 civile aziendale<\/a> copre i danni causati involontariamente a terzi che possano verificarsi in relazione all\u2019attivit\u00e0 svolta. Inoltre, a seconda delle esigenze, la copertura assicurativa si estende anche alla responsabilit\u00e0 del datore di lavoro nei confronti dei dipendenti e degli enti previdenziali quali l\u2019INPS e l\u2019INAIL, ad esempio in caso di azioni di regresso a seguito di infortuni sul lavoro. Anche nel caso dell\u2019assicurazione di responsabilit\u00e0 civile aziendale \u00e8 necessario analizzare individualmente i rischi di ciascuna azienda e definire la copertura assicurativa adeguata.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“\u00c8 obbligatorio stipulare un’assicurazione di responsabilit\u00e0 civile aziendale?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]L‘assicurazione di responsabilit\u00e0 civile aziendale<\/a> non \u00e8 obbligatoria per legge in tutti i settori, ma \u00e8 vivamente consigliata a ogni azienda. Per alcune categorie professionali e liberi professionisti, come ad esempio architetti, medici o avvocati, l’assicurazione di responsabilit\u00e0 civile professionale \u00e8 invece obbligatoria per legge.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Cosa copre l’assicurazione di responsabilit\u00e0 civile aziendale?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]L‘assicurazione di responsabilit\u00e0 civile aziendale<\/a> tutela le aziende e i lavoratori autonomi da danni a persone e cose causati a terzi. Interviene in caso di richieste di risarcimento danni e copre, ad esempio, le spese mediche o i danni patrimoniali indiretti. A seconda del tipo di attivit\u00e0, \u00e8 possibile concordare diverse garanzie, ad esempio anche la copertura dei costi per danni ambientali.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“L’assicurazione di responsabilit\u00e0 civile aziendale \u00e8 obbligatoria per un’impresa?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Per alcuni liberi professionisti, come ad esempio avvocati, consulenti aziendali, medici ecc., l\u2019assicurazione di responsabilit\u00e0 civile professionale<\/a> \u00e8 obbligatoria. Per tutte le altre professioni e aziende \u00e8 assolutamente consigliabile.[\/nectar_responsive_text][\/toggle][\/toggles][\/vc_column][\/vc_row][vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“default“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ scene_position=“center“ top_padding=“4%“ constrain_group_1=“yes“ bottom_padding=“4%“ left_padding_desktop=“6%“ constrain_group_2=“yes“ right_padding_desktop=“6%“ text_color=“dark“ text_align=“left“ row_border_radius=“none“ row_border_radius_applies=“bg“ row_position_desktop=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ id=“Landwirtschaft“ overlay_strength=“0.3″ gradient_direction=“left_to_right“ shape_divider_position=“bottom“ bg_image_animation=“none“ gradient_type=“default“ shape_type=““][vc_column right_padding_desktop=“6%“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“1\/3″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“ column_padding_type=“advanced“ content_layout=“default“ gradient_type=“default“][nectar_responsive_text inherited_font_style=“h6″ text_direction=“default“]Azienda[\/nectar_responsive_text][nectar_responsive_text inherited_font_style=“h3″ text_color=“#5F6265″ text_direction=“default“]Domande e risposte sull\u2019 assicurazione per il settore agricolo[\/nectar_responsive_text][\/vc_column][vc_column column_padding=“no-extra-padding“ column_padding_tablet=“inherit“ column_padding_phone=“inherit“ column_padding_position=“all“ flex_gap_desktop=“10px“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“2\/3″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“][toggles style=“minimal“ accordion=“true“ accordion_starting_functionality=“closed“][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Che cos\u2019\u00e8 un\u2019assicurazione per il settore agricolo?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Un‘assicurazione per l’agricoltura<\/a> copre una serie di rischi legati all’attivit\u00e0 agricola.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Cosa comprende l’assicurazione per l’agricoltura?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]In generale, l\u2019assicurazione per l\u2019agricoltura<\/a> comprende sia la copertura dei danni ai beni materiali che quella della responsabilit\u00e0 civile. Rischi quali incendio, danni causati dall\u2019acqua di rete, tempesta, responsabilit\u00e0 civile aziendale, agricola e fondiaria rientrano nella copertura di base. A seconda delle esigenze, la copertura assicurativa pu\u00f2 essere ampliata in base alle necessit\u00e0, ad esempio per l\u2019ospitalit\u00e0 di terzi, la vendita diretta dei prodotti dell\u2019azienda agricola, maneggi o centri ippici, pacchetti per viticoltori ecc. Un ramo assicurativo specifico \u00e8 rappresentato dall\u2019assicurazione contro la grandine per la coltivazione di frutta e ortaggi.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“L’assicurazione agricola \u00e8 personalizzata per ogni singola azienda agricola?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Per determinare gli importi assicurati e l’entit\u00e0 del rischio, \u00e8 indispensabile analizzare accuratamente l’azienda agricola. Solo in questo modo \u00e8 possibile garantire una copertura di base su misura per i beni patrimoniali e i rischi aziendali.[\/nectar_responsive_text][\/toggle][\/toggles][\/vc_column][\/vc_row][vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“default“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ scene_position=“center“ top_padding=“4%“ constrain_group_1=“yes“ bottom_padding=“4%“ left_padding_desktop=“6%“ constrain_group_2=“yes“ right_padding_desktop=“6%“ text_color=“dark“ text_align=“left“ row_border_radius=“none“ row_border_radius_applies=“bg“ row_position_desktop=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ id=“Berufsunf\u00e4higkeit“ overlay_strength=“0.3″ gradient_direction=“left_to_right“ shape_divider_position=“bottom“ bg_image_animation=“none“ gradient_type=“default“ shape_type=““][vc_column right_padding_desktop=“6%“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“1\/3″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“ column_padding_type=“advanced“ content_layout=“default“ gradient_type=“default“][nectar_responsive_text inherited_font_style=“h6″ text_direction=“default“]Azienda[\/nectar_responsive_text][nectar_responsive_text inherited_font_style=“h3″ text_color=“#5F6265″ text_direction=“default“]Domande e risposte sull\u2019 assicurazione contro l\u2019invalidit\u00e0 professionale[\/nectar_responsive_text][\/vc_column][vc_column column_padding=“no-extra-padding“ column_padding_tablet=“inherit“ column_padding_phone=“inherit“ column_padding_position=“all“ flex_gap_desktop=“10px“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“2\/3″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“][toggles style=“minimal“ accordion=“true“ accordion_starting_functionality=“closed“][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Che cos\u2019\u00e8 un\u2019assicurazione contro l\u2019invalidit\u00e0 professionale?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Con l\u2019assicurazione contro l\u2019invalidit\u00e0 professionale<\/a>, detta anche BU, l\u2019assicurato si tutela dal rischio di invalidit\u00e0 permanente causata da infortunio o malattia. Insieme all\u2019assicurazione contro gli infortuni, \u00e8 considerata una delle pi\u00f9 importanti forme di previdenza per la tutela del reddito.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“A chi \u00e8 destinata l’assicurazione contro l’invalidit\u00e0 professionale?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]La stipula di un\u2019assicurazione contro l\u2019invalidit\u00e0 professionale<\/a> offre, in primo luogo, ai piccoli imprenditori una tutela contro le perdite finanziarie in caso di inabilit\u00e0 al lavoro dell\u2019assicurato. L\u2019obiettivo di un\u2019assicurazione contro l\u2019invalidit\u00e0 professionale \u00e8 quindi quello di compensare le perdite di reddito. Pertanto, questa assicurazione \u00e8 adatta a tutti gli imprenditori e alle persone che ricoprono posizioni chiave.[\/nectar_responsive_text][\/toggle][\/toggles][\/vc_column][\/vc_row][vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“default“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ scene_position=“center“ top_padding=“4%“ constrain_group_1=“yes“ bottom_padding=“4%“ left_padding_desktop=“6%“ constrain_group_2=“yes“ right_padding_desktop=“6%“ text_color=“dark“ text_align=“left“ row_border_radius=“none“ row_border_radius_applies=“bg“ row_position_desktop=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ id=“Berufsunf\u00e4higkeit“ overlay_strength=“0.3″ gradient_direction=“left_to_right“ shape_divider_position=“bottom“ bg_image_animation=“none“ gradient_type=“default“ shape_type=““][vc_column right_padding_desktop=“6%“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“1\/3″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“ column_padding_type=“advanced“ content_layout=“default“ gradient_type=“default“][nectar_responsive_text inherited_font_style=“h6″ text_direction=“default“]Azienda[\/nectar_responsive_text][nectar_responsive_text inherited_font_style=“h3″ text_color=“#5F6265″ text_direction=“default“]Domande e risposte sull\u2019 assicurazione per la tutela dei diritti aziendali[\/nectar_responsive_text][\/vc_column][vc_column column_padding=“no-extra-padding“ column_padding_tablet=“inherit“ column_padding_phone=“inherit“ column_padding_position=“all“ flex_gap_desktop=“10px“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“2\/3″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“][toggles style=“minimal“ accordion=“true“ accordion_starting_functionality=“closed“][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Cosa copre l’assicurazione di tutela legale aziendale?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Un’assicurazione di tutela legale aziendale \u00e8 consigliabile per tutti gli imprenditori, i lavoratori autonomi e i liberi professionisti. Copre i costi relativi a controversie legali nell’ambito dell’attivit\u00e0 assicurata, ad esempio le spese per avvocati e periti o le spese processuali. Qualora l’assicurato venga condannato in giudizio, vengono coperte anche le spese addebitate alla controparte.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Quando interviene l\u2019assicurazione di tutela legale aziendale?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]L’assicurazione di tutela legale aziendale interviene in primo luogo in tutte le controversie legali che possono insorgere nell’ambito dell’attivit\u00e0 assicurata, ad esempio con clienti, fornitori o i propri dipendenti.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“Chi pu\u00f2 stipulare un’assicurazione di tutela legale aziendale?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Tutte le imprese, i titolari di imprese individuali e i liberi professionisti possono stipulare un’assicurazione di tutela legale aziendale.[\/nectar_responsive_text][\/toggle][toggle color=“Extra-Color-2″ heading_tag=“h4″ heading_tag_functionality=“default“ title=“A cosa occorre prestare attenzione quando si stipula un’assicurazione di tutela legale aziendale?“][nectar_responsive_text inherited_font_style=“p“ text_direction=“default“ max_width=“86%“ font_size_desktop=“24px“ font_line_height=“1.4″ font_size_phone=“18px“]Prima di stipulare un’assicurazione di tutela legale aziendale, \u00e8 indispensabile esaminare attentamente le esigenze aziendali per definire la copertura assicurativa adeguata e l’entit\u00e0 del rischio.[\/nectar_responsive_text][\/toggle][\/toggles][\/vc_column][\/vc_row][vc_row type=“in_container“ full_screen_row_position=“middle“ column_margin=“default“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ scene_position=“center“ text_color=“dark“ text_align=“left“ row_border_radius=“none“ row_border_radius_applies=“bg“ row_position_desktop=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ overlay_strength=“0.3″ gradient_direction=“left_to_right“ shape_divider_position=“bottom“ bg_image_animation=“none“][vc_column column_padding=“no-extra-padding“ column_padding_tablet=“inherit“ column_padding_phone=“inherit“ column_padding_position=“all“ flex_gap_desktop=“10px“ column_element_direction_desktop=“default“ column_element_spacing=“default“ desktop_text_alignment=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_backdrop_filter=“none“ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ column_position=“default“ gradient_direction=“left_to_right“ overlay_strength=“0.3″ width=“1\/1″ tablet_width_inherit=“default“ animation_type=“default“ bg_image_animation=“none“ border_type=“simple“ column_border_width=“none“ column_border_style=“solid“][nectar_global_section id=“2486″][nectar_global_section id=“36″][nectar_global_section id=“1757″][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"

[vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“default“ column_direction=“default“ column_direction_tablet=“default“ column_direction_phone=“default“ scene_position=“center“ bottom_padding=“4%“ left_padding_desktop=“6%“ constrain_group_2=“yes“ right_padding_desktop=“6%“ left_padding_phone=“0″ constrain_group_6=“yes“ right_padding_phone=“0″ text_color=“dark“ text_align=“left“ row_border_radius=“none“ row_border_radius_applies=“bg“ row_position_desktop=“default“ row_position_tablet=“inherit“ row_position_phone=“inherit“ overflow=“visible“ overlay_strength=“0.3″ gradient_direction=“left_to_right“ shape_divider_position=“bottom“ bg_image_animation=“none“ gradient_type=“default“ shape_type=““][vc_column column_padding=“no-extra-padding“…<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"iawp_total_views":4,"footnotes":""},"class_list":["post-1121","page","type-page","status-publish"],"_links":{"self":[{"href":"https:\/\/www.svd.it\/italiano\/wp-json\/wp\/v2\/pages\/1121","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.svd.it\/italiano\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.svd.it\/italiano\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.svd.it\/italiano\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.svd.it\/italiano\/wp-json\/wp\/v2\/comments?post=1121"}],"version-history":[{"count":0,"href":"https:\/\/www.svd.it\/italiano\/wp-json\/wp\/v2\/pages\/1121\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.svd.it\/italiano\/wp-json\/wp\/v2\/media?parent=1121"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}