ANACAM MAGAZINE - n.3 luglio | settembre 2020

▼ ▼ ▼ The Italian Association of Insurance and Reinsurance Brokers, or AIBA, has greatly considered the vulnerabi- lity of SMEs in recent times. AIBA is the most representative association of insurance brokers with over 1,100 member companies. During the emergency, the liability of small and medium-sized entrepre- neurs has been greatly intensified in the area of employer responsibilities, risks of lawsuits, appropriate mana- gement and administration of com- panies. In terms of employer responsibilities, art. 42 paragraph 2 of the Law-Decree “Cura Italia” has qualified the CO- VID-19 contagion as a work accident. Employer responsibilities must always be identified by obtaining evidence of wilful misconduct or responsibility. At the moment obtaining such evidence appears to be complex. It is likely that Employers will be in- volved only in the event that safety deficiencies are so blatant as to allow INAIL (the National Institute for In- surance against Accidents at Work) to È opportuno dotarsi di una polizza di Tutela Legale che salvaguardi l’imprenditore/ amministratore It is also advisable to have a Legal Protection policy that safeguards the financier and top managers t h e i s s u e o f i n s u r a n c e a n d e m p l o y e r s ’ l i a b i l i t y i s p u t t o t h e t e s t How the emergency HAS CHANGED THE SMES SITUATION 53