A concrete response to the new regulatory landscape, JK has developed an innovative solution for its Partner Intermediaries to address the main challenge facing clients and intermediaries today: the forced compliance of property insurance policies with the Decree Law on Catastrophic Risks (NatCat). Insurance companies are imposing mandatory reforms, higher rates, and worsening conditions, reducing their freedom of choice and the ability to offer clients truly tailored coverage. The ZeroGap stand-alone NatCat Supplementary Policy was created to restore balance and operational freedom, allowing existing property insurance policies to be supplemented with only the missing mandatory coverage, maintaining the client's original insurance structure unchanged, without sacrificing the quality of their insurance offering. How does it work? The policy aligns the coverage of the primary policy with the provisions of Law 213/2023. Essentially, it bridges the gap between the insured limit of the primary policy and the mandatory limit required by law. It also guarantees coverage of the deductible or minimum excess set forth in the primary policy. ZeroGap in brief - 100% NatCat compliant solution. - Compatible with any existing property policy. - Coverage of non-permitted deductibles and mandatory gaps. - No duplication of premiums or guarantees. - Designed for intermediaries who want to protect their clients and their professional freedom.
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