All businesses but also stores or professional firms are required to take out a policy against natural disasters by the end of March. All insurance companies that can cover this type of risk are ready to underwrite contracts. Natural disasters to be insured are defined as earthquakes, floods, landslides, and floods. For businesses, failure to take out policies will result in exclusion from access to public incentives, subsidies or guarantees, including those on bank loans provided by the SME Fund. The assets to be insured are not only those owned, but also those leased assets that are used for the business activity of the enterprise. Assets encumbered by building abuse are not insurable. Companies may choose to reinsure to mitigate the risks taken and to reduce the cost of policies. According to estimates, the premium for a medium-small business is expected to be around 200 euros per year; for stores it falls below 100 euros.