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content_phone=&#8221;<\/p>\n<p style=%22text-align: center;%22><span style=%22font-size: small;%22><span style=%22color: #000000;%22>Via Antono Magri, 1\/a Rovetta BG<br \/><span style=%22font-size: medium;%22><strong>0346 23700<\/strong><\/span><br \/><span style=%22font-size: medium;%22><strong><a href=%22mailto:stocchiassicurazioni@gmail.com%22 style=%22color: #000000;%22>stocchiassicurazioni@gmail.com<\/a><\/strong><\/span><\/span><\/span><\/p>\n<p style=%22text-align: left;%22><span style=%22color: #000000;%22><\/span><\/p>\n<p>&#8221; content_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#000000&#8243; text_font_size=&#8221;18px&#8221; module_alignment=&#8221;center&#8221; custom_padding=&#8221;17px||12px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: left;\"><span style=\"color: #000000;\">Via A. 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border_color_all=&#8221;rgba(0,0,0,0.06)&#8221; border_width_bottom=&#8221;1px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div><i>Memento mori<\/i>, la famosa locuzione latina \u00e8 il titolo dell&#8217;approfondimento dedicato ad un grande classico delle polizze assicurative: la &#8220;Temporanea Caso Morte&#8221; o &#8220;T.C.M.&#8221;. Dopo un breve excursus storico ed un&#8217;analisi delle principali norme contenute nel codice civile che ne definiscono il contesto legislativo, vengono fornite le risposte ai quesiti pi\u00f9 semplici: di cosa si tratta? perch\u00e9 &#8220;temporanea&#8221;? Perch\u00e9 stipularla? Quali sono i soggetti coinvolgibili?\u00a0<\/div>\n<div>Dopo aver analizzato l&#8217;iter assuntivo ed i parametri influenti il premio, vengono esposte alcune riflessioni in merito al capitale da assicurare e alla scelta dei beneficiari. Infine, un ultimo cenno viene rivolto anche alla fiscalit\u00e0 dei contratti, alle polizze &#8220;key-man&#8221; ed alle coperture collettive destinate ai dirigenti industriali e commerciali ai sensi del C.C.N.L. e al &#8220;Fondo Pastore&#8221; oltre alle pi\u00f9 recenti novit\u00e0 in tema di &#8220;oblio oncologico&#8221; e\u00a0 di &#8220;arbitro assicurativo&#8221;.<\/div>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;VEICOLI ELETTRICI, LE NOVITA&#8217; IN AMBITO ASSICURATIVO&#8221; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; icon_color=&#8221;#99acdb&#8221; open_icon_color=&#8221;#99acdb&#8221; disabled_on=&#8221;off|off|off&#8221; _builder_version=&#8221;4.23.4&#8243; title_text_color=&#8221;#000000&#8243; title_font=&#8221;Mukta|600|||||||&#8221; title_font_size=&#8221;20px&#8221; title_line_height=&#8221;1.2em&#8221; body_line_height=&#8221;1.8em&#8221; custom_margin=&#8221;||0px&#8221; custom_padding=&#8221;|0px||0px||true&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_intensity_slide=&#8221;1%&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;rgba(0,0,0,0.06)&#8221; border_width_bottom=&#8221;1px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Una spinta verde all&#8217;innovazione o una grande illusione? Preferire la salvaguardia dell&#8217;economia o la salute dei cittadini? Il tema dei veicoli elettrici sembra aver diviso l&#8217;opinione pubblica, anche con posizioni molto forti in merito. Qualche elemento di riflessione in pi\u00f9 potrebbe nascere dalla lettura del nostro nuovo approfondimento. Una prima parte \u00e8 dedicata ad un breve excursus sulla storia dei veicoli elettrici. Un percorso fatto di alti e bassi e spesso in antitesi con il motore a combustione, quest&#8217;ultimo preferito principalmente per la maggior autonomia di percorrenza ed il minor costo ma trascurato nei momenti di carenza o di alto prezzo del carburante per via delle guerre o delle politiche adottate dai paesi fornitori. Si torna poi all&#8217;attualit\u00e0, quando l&#8217;obiettivo di commercializzare le sole auto elettriche a partire dal 2035 sembra ormai rinviato. Nel frattempo in Italia hanno preso il via gli incentivi fino ad 11.000 euro per l&#8217;acquisto di nuovi veicoli elettrici. Stiamo parlando di una spesa pubblica di 597 milioni &#8211; incentivata dal PNRR &#8211; volta a risolvere la principale problematica del costo di acquisto, ma per certi versi eccessiva considerata anche la forte discriminazione per l&#8217;ottenimento. Gli incentivi fiscali\u00a0<\/p>\n<p>infatti richiedono anche l&#8217;appartenenza ad un comune individuato nelle cosiddette &#8220;aree urbane funzionali&#8221; (citt\u00e0 oltre i 50.000 abitanti ed aree di pendolarismo) che limitano la possibilit\u00e0 dell&#8217;ottenimento del contributo ai soli residenti e alle piccole realt\u00e0 imprenditoriali. Soprattutto rimangono esclusi i pendolari che, non risiedendo nelle &#8220;aree urbane funzionali&#8221;, generano comunque una buona parte delle emissioni che si vogliono abbattere. Di contro, gli incentivi forniranno agli acquirenti non solo il beneficio di un&#8217;auto meno inquinante ma anche il privilegio di un&#8217;auto nuova.<\/p>\n<p>Qual \u00e8 per\u00f2 il nesso con l&#8217;ambito assicurativo?<\/p>\n<p>A fronte di un&#8217;evidente politica che garantisce maggiori vendite alle case costruttrici non si \u00e8 per\u00f2 trattato il tema dei costi delle riparazioni, particolarmente sentito non solo dalle imprese di assicurazioni chiamate alla liquidazione dei danni ma anche dai clienti il cui premio pagato dipende e dipender\u00e0 anche dal costo medio dei sinistri, compresi quelli che interessano i veicoli elettrici anche se non in loro possesso. Il timore \u00e8 che, a fronte di uno &#8220;sconto&#8221; rilevante sul prezzo di acquisto vi sia un maggior costo futuro che si rifletta sui cittadini, non solo in ambito assicurativo. Questo doveva essere il momento per trovare una soluzione come l&#8217;obbligo per le case costruttrici di fornire i dati del pacco batteria. Oppure, in alternativa, intervenire sulla progettazione delle stesse con sezioni molto pi\u00f9 piccole delle attuali in modo da facilitarne la riparazione. Un&#8217;altra parte significativa \u00e8 dedicata alle linee guida dei Vigili del fuoco in merito all&#8217;assoggettabilit\u00e0 ai controlli di prevenzione incendi in occasione dell&#8217;installazione delle infrastrutture di ricarica per i veicoli elettrici.<\/p>\n<p>Gli argomenti appena descritti hanno infatti riflessi sulle coperture dei fabbricati (pensiamo alla ricerca della causa di un incendio avvenuto durante la presenza di un veicolo elettrico in ricarica), alla responsabilit\u00e0 civile verso terzi e verso i prestatori d&#8217;opera (ad esempio le carrozzerie dove si registrano gi\u00e0 i primi casi in Lombardia di elettrocuzione del personale), ai rischi sanitari connessi al rilascio delle sostanze chimiche pericolose, alla r.c. prodotti, alle coperture infortuni, al rischio cyber e &#8211; non per ultima &#8211; verr\u00e0 trattata la polizza &#8220;auto&#8221; con le dovute considerazioni in merito al valore di acquisto da indicare in polizza (soprattutto in riferimento alla scontistica per gli incentivi) ma con novit\u00e0 importanti anche in relazione ai concetti civilistici di &#8220;accessione&#8221;, &#8220;connessione&#8221; ed &#8220;incorporazione&#8221; oltre a quello di &#8220;pertinenze&#8221;.<\/p>\n<p>L&#8217;approfondimento \u00e8 gratuito e riservato ai soli clienti ed intermediari dell&#8217;agenzia.<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;POLIZZE ASSICURATIVE PER IL CONCORDATO PREVENTIVO BIENNALE&#8221; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; icon_color=&#8221;#99acdb&#8221; open_icon_color=&#8221;#99acdb&#8221; disabled_on=&#8221;off|off|off&#8221; _builder_version=&#8221;4.23.4&#8243; title_text_color=&#8221;#000000&#8243; title_font=&#8221;Mukta|600|||||||&#8221; title_font_size=&#8221;20px&#8221; title_line_height=&#8221;1.2em&#8221; body_line_height=&#8221;1.8em&#8221; custom_margin=&#8221;||0px&#8221; custom_padding=&#8221;|0px||0px||true&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_intensity_slide=&#8221;1%&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;rgba(0,0,0,0.06)&#8221; border_width_bottom=&#8221;1px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Una scommessa con l&#8217;Erario. Si potrebbe sintetizzare in questo modo il <em>Concordato preventivo biennale<\/em>\u00a0consistente in un accordo tra il contribuente ed il Fisco italiano che permette, per un biennio, di pagare le principali imposte non sulla base degli effettivi guadagni ma su quanto preventivato dall&#8217;Agenzia delle Entrate. L&#8217;adesione del contribuente \u00e8 volontaria ma irrevocabile: se lo stesso sapr\u00e0 generare entrate superiori rispetto a quanto stimato dall&#8217;AdE non sar\u00e0 soggetto ad un&#8217;ulteriore tassazione; viceversa, in caso di entrate inferiori, il contribuente sar\u00e0 comunque tenuto a versare tutto quanto precedentemente concordato.<\/p>\n<p>Senza dubbio, la principale difficolt\u00e0 di scelta se aderire o meno consiste proprio nella capacit\u00e0 di previsione del contribuente poich\u00e9 la stessa deve considerare molteplici fattori, compresa l&#8217;evoluzione del mercato di riferimento nei successivi due anni appunto. Il confronto con il proprio consulente fiscale \u00e8 fondamentale per analizzare innanzitutto la possibilit\u00e0 di adesione, la propria situazione finanziaria ed ipotizzare infine le prospettive future di reddito.<\/p>\n<p>Tuttavia, anche la pi\u00f9 accurata stima pu\u00f2 essere condizionata da &#8220;cigni neri&#8221; ovvero eventi esterni all&#8217;attivit\u00e0 o alla professione svolta che possono influire notevolmente sulla capacit\u00e0 di produrre reddito da parte del contribuente, gi\u00e0 impegnato con il Fisco, con effetti esponenziali in termini di perdite. Una parte di questi eventi eccezionali costituisce gi\u00e0, per legge, una causa di cessazione del concordato qualora determini redditi inferiori di almeno il 30%. Ma non tutti sanno dell&#8217;esistenza di prodotti assicurativi che possono limitare ulteriormente l&#8217;esposizione patrimoniale del contribuente ed il rischio di insolvenza nei confronti dell&#8217;Agenzia delle Entrate.<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;LA (NUOVA) GESTIONE DEL RISCHIO ASSICURATIVO IN AMBITO SANITARIO&#8221; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; icon_color=&#8221;#99acdb&#8221; open_icon_color=&#8221;#99acdb&#8221; disabled_on=&#8221;off|off|off&#8221; _builder_version=&#8221;4.23.4&#8243; title_text_color=&#8221;#000000&#8243; title_font=&#8221;Mukta|600|||||||&#8221; title_font_size=&#8221;20px&#8221; title_line_height=&#8221;1.2em&#8221; body_line_height=&#8221;1.8em&#8221; custom_margin=&#8221;||0px&#8221; custom_padding=&#8221;|0px||0px||true&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_intensity_slide=&#8221;1%&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;rgba(0,0,0,0.06)&#8221; border_width_bottom=&#8221;1px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>L&#8217;approfondimento prende spunto dalla recente pubblicazione del decreto attuativo della legge Gelli-Bianco. Una norma importante che ha formalmente introdotto l&#8217;adozione dei sistemi di risk-management nelle strutture sanitarie e socio-sanitarie &#8211; pubbliche e private &#8211; oltre all&#8217;adeguamento dei contenuti e dei massimali minimi delle polizze assicurative.<\/p>\n<p>Per contestualizzare la norma faremo un salto indietro nel tempo, quando il rapporto tra medico e paziente era fortemente sbilanciato a favore del professionista. In seguito le cose sono cambiate: il maggior tasso di scolarizzazione, i progressi della medicina, la negazione della caducit\u00e0 della vita umana, i nuovi canali di informazione e le sperimentazioni sugli esseri umani durante la seconda guerra mondiale hanno determinato un progressivo spostamento del baricentro dal medico al paziente, divenuto eccessivo fino ad episodi di violenza nei confronti del personale nelle strutture.<\/p>\n<p>Ma non solo. L&#8217;eccessiva litigiosit\u00e0 aveva determinato un progressivo abbandono delle compagnie assicurative dal mercato delle polizze di responsabilit\u00e0 verso terzi. Le strutture sanitarie si sono cos\u00ec trovate nella necessit\u00e0 di ampliare e strutturare specifiche competenze per la gestione dei sinistri nonch\u00e9 di implementare politiche preventive di riduzione del rischio. Quest&#8217;ultima politica ha determinato un ritorno &#8211; seppur timido &#8211; delle compagnie assicurative sul mercato. Si \u00e8 cos\u00ec affermato un &#8220;sistema misto&#8221; di successo che ha visto le strutture sanitarie della Regione Lombardia quali protagoniste.<\/p>\n<p>Porteremo anche alcuni dati dell&#8217;A.S.S.T.\u00a0Bergamo est (Seriate\/Piario) e dell&#8217;ospedale Papa Giovanni di Bergamo.<\/p>\n<p>Ma come si pu\u00f2 arrivare ad un minore contenzioso? Cosa significa &#8220;sistema misto&#8221;? E quali sono le novit\u00e0 delle legge Gelli-Bianco? Come dovranno adeguarsi i professionisti sanitari e le strutture? Entro quando? Le novit\u00e0 si applicano anche alle R.S.A.?<\/p>\n<p>A queste e ad altre domande forniamo risposta nel nostro approfondimento.\u00a0<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;ASSICURAZIONE CALAMITA&#8217; NATURALI ED EVENTI CATASTROFALI PER LE AZIENDE&#8221; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; icon_color=&#8221;#99acdb&#8221; open_icon_color=&#8221;#99acdb&#8221; disabled_on=&#8221;off|off|off&#8221; _builder_version=&#8221;4.21.0&#8243; title_text_color=&#8221;#000000&#8243; title_font=&#8221;Mukta|600|||||||&#8221; title_font_size=&#8221;20px&#8221; title_line_height=&#8221;1.2em&#8221; body_line_height=&#8221;1.8em&#8221; custom_margin=&#8221;||0px&#8221; custom_padding=&#8221;|0px||0px||true&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_intensity_slide=&#8221;1%&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;rgba(0,0,0,0.06)&#8221; border_width_bottom=&#8221;1px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Le imprese con sede legale in Italia o con sede all&#8217;estero ma stabile organizzazione in Italia, iscritte al Registro delle imprese, sono tenute a stipulare &#8211; entro il 31 dicembre 2024 &#8211; contratti assicurativi a copertura dei danni ai beni direttamente causati da calamit\u00e0 naturali (sismi, alluvioni, frane, inondazioni ed esondazioni) ed eventi catastrofali verificatisi sul territorio nazionale. L&#8217;approfondimento riprende il seguente indice: la vulnerabilit\u00e0 del territorio italiano; i dati aggiornati al 2023; le differenti tipologie del sistema assicurativo (obbligatorio, facoltativo e semiobbligatorio); la legge &#8220;finanziaria&#8221; del 30\/12\/2023 n. 213: quali sono le imprese interessate; entro quale termine l&#8217;impresa deve provvedere al nuovo obbligo; quali sono i beni che l&#8217;impresa deve assicurare; quali sono gli eventi da assicurare; cosa accade se un&#8217;azienda non stipula la copertura assicurativa; cosa accade se una compagnia assicurativa non concede la copertura prevista dalla legge;\u00a0 la possibilit\u00e0 di coassicurazione diretta per gli assicuratori; il ruolo di S.A.C.E.; i contenuti minimi della polizza assicurativa; commenti ed opinioni; problematiche aperte.<\/span><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;ACQUISTARE CASA %22SULLA CARTA%22&#8243; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; icon_color=&#8221;#99acdb&#8221; open_icon_color=&#8221;#99acdb&#8221; disabled_on=&#8221;off|off|off&#8221; _builder_version=&#8221;4.21.0&#8243; title_text_color=&#8221;#000000&#8243; title_font=&#8221;Mukta|600|||||||&#8221; title_font_size=&#8221;20px&#8221; title_line_height=&#8221;1.2em&#8221; body_line_height=&#8221;1.8em&#8221; custom_margin=&#8221;||0px&#8221; custom_padding=&#8221;|0px||0px||true&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_intensity_slide=&#8221;1%&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;rgba(0,0,0,0.06)&#8221; border_width_bottom=&#8221;1px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Immaginiamo la situazione tipica di una giovane coppia che decide di andare a convivere e di rendersi indipendente acquistando casa. Ma la giovane coppia della quale parliamo non vuole acquistare un immobile gi\u00e0 costruito. Bens\u00ec uno non ancora realizzato, divenendo pertanto &#8220;promissaria acquirente&#8221;, cos\u00ec si dice, di un&#8217;abitazione non ancora realizzata.<\/p>\n<p>Perch\u00e9 parliamo proprio oggi di questo tema?<\/p>\n<p>Perch\u00e9, come avremo modo di apprendere dal nostro approfondimento &#8220;Acquistare casa sulla carta&#8221;,\u00a0 un decreto legge del 2022 ha chiuso il cerchio di un processo di riforma legislativo durato quasi vent&#8217;anni con l&#8217;obiettivo di tutelare appunto i promissari acquirenti di immobili non ancora realizzati da eventuali insolvenze dovute a situazioni di crisi delle imprese costruttrici assicurando loro due garanzie: la prima \u00e8 la garanzia dei versamenti di denaro conferiti all&#8217;impresa costruttrice nel periodo che li vede coinvolti da promissari acquirenti ad acquirenti, tutto ci\u00f2 attraverso una polizza fideiussoria fatta a questo scopo; la seconda \u00e8 la garanzia sull&#8217;immobile successiva all&#8217;acquisto, conosciuta con il nome di &#8220;decennale postuma&#8221; con l&#8217;obiettivo di indennizzare gli acquirenti per gravi difetti di costruzione che gli stessi dovessero riscontrare fino a dieci anni dalla data di realizzazione dell&#8217;immobile. Anche per eventuali danni a terzi che ne derivassero.<\/p>\n<p>Ma perch\u00e9 l&#8217;iter legislativo \u00e8 stato cos\u00ec lungo?<\/p>\n<p>E poi perch\u00e9 si sono rese necessarie nuove norme quando il codice civile e la cosiddetta &#8220;legge 210&#8221;, nata nel 2004, avrebbero dovuto garantire gi\u00e0 questi diritti?<\/p>\n<p>Infine un ultimo quesito riguarda il futuro: davvero il cerchio pu\u00f2 considerarsi chiuso con la norma emanata lo scorso anno?<\/p>\n<p>Scopriamolo insieme grazie a questo approfondimento.<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;LEGGI BERSANI &#038; BONUS FAMIGLIA&#8221; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; icon_color=&#8221;#99acdb&#8221; open_icon_color=&#8221;#99acdb&#8221; _builder_version=&#8221;4.21.0&#8243; title_text_color=&#8221;#000000&#8243; title_font=&#8221;Mukta|600|||||||&#8221; title_font_size=&#8221;20px&#8221; title_line_height=&#8221;1.2em&#8221; body_line_height=&#8221;1.8em&#8221; custom_margin=&#8221;||0px&#8221; custom_padding=&#8221;|0px||0px||true&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_intensity_slide=&#8221;1%&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;rgba(0,0,0,0.06)&#8221; border_width_bottom=&#8221;1px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Introdotta per incentivare atteggiamenti virtuosi alla guida, la classe di merito universale \u00e8 uno dei parametri volti a definire il premio rca delle polizze dei veicoli a motore soggetti all&#8217;assicurazione obbligatoria. Nell&#8217;ambito del meccanismo tariffario &#8220;Bonus-Malus&#8221; la classe di merito, cos\u00ec come concepita inizialmente, era finalizzata a creare un sottogruppo di assicurati &#8211; quelli in classe prima &#8211; caratterizzati da una storicit\u00e0 pregressa di almeno tredici anni senza sinistri che permetteva loro di ridurre in misura consistente la spesa assicurativa in virt\u00f9 del buon andamento storico. Rimaneva per\u00f2 il tema delle tariffe riservate a coloro che si intestavano di un nuovo veicolo in giovane et\u00e0 con spese davvero proibitive.<\/p>\n<p>Con la legge Bersani del 2007 viene cos\u00ec stravolto il sistema delle classi di merito. Da quel momento il sottogruppo di assicurati in prima classe, con comprovata esperienza, si \u00e8 cos\u00ec allargata a molti pi\u00f9 soggetti annullando di conseguenza il senso della discriminazione tariffaria. Ma non finisce qui: dal 16 febbraio 2020 la Legge Bersani \u00e8 stata estesa anche a veicoli di differente tipologia. E non solo. Per coloro che non fossero riusciti ad acquisire la miglior classe di merito familiare in fase di voltura, a determinate condizioni, la stessa pu\u00f2 essere ripresa in fase di rinnovo annuale. Ma attenzione al &#8220;Supermalus&#8221;.<\/p>\n<p>E&#8217; chiaro quindi come oggi la classe di merito non incida pi\u00f9 in maniera cos\u00ec significativa essendo ormai il 90% degli assicurati &#8220;persone fisiche&#8221; in classe prima.<\/p>\n<p>Le compagnie assicurative hanno quindi dovuto identificare altri elementi per la discriminazione tariffaria, in particolare la tabella di sinistrosit\u00e0 pregressa che dal 2019 al 2023 sta estendendo il periodo di osservazione a dieci anni.<\/p>\n<p>Ci chiediamo quindi se abbia ancora significato l&#8217;attribuzione della classe di merito a fronte delle normative progressivamente introdotte in materia.<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;RISK MANAGEMENT&#8221; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; icon_color=&#8221;#99acdb&#8221; open_icon_color=&#8221;#99acdb&#8221; _builder_version=&#8221;4.16&#8243; title_text_color=&#8221;#000000&#8243; title_font=&#8221;Mukta|600|||||||&#8221; title_font_size=&#8221;20px&#8221; title_line_height=&#8221;1.2em&#8221; body_line_height=&#8221;1.8em&#8221; custom_margin=&#8221;||0px&#8221; custom_padding=&#8221;|0px||0px||true&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_intensity_slide=&#8221;1%&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;rgba(0,0,0,0.06)&#8221; border_width_bottom=&#8221;1px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Negli ultimi anni \u00e8 cresciuto molto l\u2019interesse per le tematiche inerenti la<strong> gestione del rischio<\/strong>.<br \/><\/span><\/p>\n<p><span>La stessa <strong>\u201ccompliance aziendale\u201d<\/strong> si sta orientando sempre di pi\u00f9 verso svariati modelli di riferimento<strong> per identificare, valutare e gestire i rischi in modo efficace<\/strong>.<br \/>Anche le pmi meno strutturate sentono sempre di pi\u00f9 la necessit\u00e0 di fare un salto qualitativo nella gestione dei rischi. <\/span><\/p>\n<p><span>Pensiamo solo a quanto \u00e8 accaduto sul nostro territorio negli ultimi anni dove le aziende hanno dovuto fronteggiare \u2013 oltre alla pandemia \u2013 nuovi contesti normativi, fenomeni inflazionistici, eventi connessi ai cambiamenti climatici e persino l\u2019interruzione delle vie di comunicazione dovute a frane come accaduto ad Ardesio.<br \/>Il <strong>risk management<\/strong> diventa pertanto uno strumento per cercare di garantire la continuit\u00e0 dei processi aziendali con lo scopo che il fermo parziale o totale dell\u2019attivit\u00e0 non si tramuti in perdita di quote di mercato minacciando la sopravvivenza dell\u2019impresa.<br \/><\/span><br \/><span>Ci\u00f2 vale ancora di pi\u00f9 in un contesto sempre pi\u00f9 <strong>globalizzato<\/strong> con maggiori interdipendenze tra le imprese.<\/span><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;CRESCE LA VOGLIA DI D&#038;O&#8221; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; icon_color=&#8221;#99acdb&#8221; open_icon_color=&#8221;#99acdb&#8221; _builder_version=&#8221;4.16&#8243; title_text_color=&#8221;#000000&#8243; title_font=&#8221;Mukta|600|||||||&#8221; title_font_size=&#8221;20px&#8221; title_line_height=&#8221;1.2em&#8221; body_line_height=&#8221;1.8em&#8221; custom_margin=&#8221;||0px&#8221; custom_padding=&#8221;|0px||0px||true&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_intensity_slide=&#8221;1%&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;rgba(0,0,0,0.06)&#8221; border_width_bottom=&#8221;1px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Cresce il bisogno di sicurezza da parte del<\/span><span>\u00a0<\/span><strong>management<\/strong><span>\u00a0<\/span><span>delle imprese italiane, ancora di pi\u00f9 alla luce delle nuove norme italiane sulla \u201cclass action\u201d e sulla \u201c<\/span><strong>crisi d\u2019impresa<\/strong><span>\u201c. Si profilano infatti maggiori responsabilit\u00e0 per gli amministratori ed i dirigenti d\u2019impresa, gi\u00e0 chiamati a rispondere illimitatamente con il proprio patrimonio per errori nello svolgimento degli incarichi. In questo approfondimento analizziamo come i<\/span><strong><span>\u00a0<\/span>grandi scandali finanziari nazionali ed internazionali<\/strong><span>\u00a0<\/span><span>abbiano spinto verso l\u2019emanazione di nuove leggi in materia che vanno ad incidere su moltissime realt\u00e0 imprenditoriali. Il focus verte sulle principali norme giuridiche di riferimento italiane arricchite di casi studio, statistiche, riferimenti alle normative estere ed indicazioni in termini di calcolo del premio da parte delle compagnie assicurative.<\/span><\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;SUPERBONUS 110%&#8221; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; icon_color=&#8221;#99acdb&#8221; open_icon_color=&#8221;#99acdb&#8221; _builder_version=&#8221;4.16&#8243; title_text_color=&#8221;#000000&#8243; title_font=&#8221;Mukta|600|||||||&#8221; title_font_size=&#8221;20px&#8221; title_line_height=&#8221;1.2em&#8221; body_line_height=&#8221;1.8em&#8221; custom_margin=&#8221;||0px&#8221; custom_padding=&#8221;|0px||0px||true&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_intensity_slide=&#8221;1%&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;rgba(0,0,0,0.06)&#8221; border_width_bottom=&#8221;1px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>In questo approfondimento viene trattata la<span>\u00a0<\/span><strong>copertura assicurativa degli asseveratori con riferimento al Superbonus 110%.<\/strong><\/p>\n<p>Ingegneri, geometri ed architetti abilitati hanno infatti un ruolo chiave in questo ambito poich\u00e9 consentono ai beneficiari l\u2019accesso alle agevolazioni fiscali previste dalla normativa.<\/p>\n<p>Avere un<strong><span>\u00a0<\/span>ruolo chiave significa<\/strong><span>\u00a0<\/span>al contempo avere<span>\u00a0<\/span><strong>molte responsabilit\u00e0<\/strong><span>\u00a0<\/span>ed infatti la legge obbliga il professionista al possesso di una polizza di assicurazione di responsabilit\u00e0 civile per perdite patrimoniali relative allo svolgimento di questa specifica attivit\u00e0.<br \/>Una copertura assicurativa molto complessa che richiede molta attenzione poich\u00e9<br \/>\u2013 in primo luogo \u2013 ha come oggetto principale l\u2019importo delle possibili sanzioni inflitte dall\u2019<strong>Agenzia delle Entrate<\/strong><span>\u00a0<\/span>ai committenti per eventuali dichiarazioni erronee dell\u2019asseveratore;<br \/>-in secondo luogo, il contratto assicurativo deve rispondere ai requisiti previsti dal \u201cDecreto rilancio\u201d, dal \u201cD.M. asseverazioni\u201d e dalla \u201cLegge di Bilancio\u201d.<br \/>Un vero labirinto che abbiamo cercato di chiarire con questo approfondimento.<span>\u00a0<\/span><strong>Risponderemo anche alle domande<\/strong><span>\u00a0<\/span>poste pi\u00f9 frequentemente dai professionisti circa l\u2019adeguatezza del massimale, l\u2019intestazione della polizza (in particolare per le societ\u00e0 o gli studi associati), il periodo di retroattivit\u00e0 e \u2013 soprattutto \u2013 della postuma, la responsabilit\u00e0 solidale, la complementariet\u00e0 con la polizza principale e, soprattutto, alcune indicazioni circa la scelta del professionista se estendere la polizza \u201cr.c. professionale\u201d in corso oppure se stipulare una polizza dedicata \u201csingle project\u201d o \u201ca consumo\u201d.<br \/>Oltre alle possibili problematiche inerenti il professionista per eventuali lavori in ambito familiare e con un retroscena esclusivo inerente la fase di stesura della nuova legge.<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;RISCHIO PANDEMIA&#8221; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; icon_color=&#8221;#99acdb&#8221; open_icon_color=&#8221;#99acdb&#8221; _builder_version=&#8221;4.16&#8243; title_text_color=&#8221;#000000&#8243; title_font=&#8221;Mukta|600|||||||&#8221; title_font_size=&#8221;20px&#8221; title_line_height=&#8221;1.2em&#8221; body_line_height=&#8221;1.8em&#8221; custom_margin=&#8221;||0px&#8221; custom_padding=&#8221;|0px||0px||true&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_intensity_slide=&#8221;1%&#8221; border_width_all=&#8221;0px&#8221; border_color_all=&#8221;rgba(0,0,0,0.06)&#8221; border_width_bottom=&#8221;1px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Il 18 marzo sar\u00e0 la giornata dedicata alle vittime del Covid-19,<\/strong><span>\u00a0<\/span>una pandemia devastante in termini di vite umane.<\/p>\n<p>Tutte le aziende sono state messe a dura prova , non solo economicamente ma anche in termini di gestione della crisi.<br \/>Quella pandemica \u00e8 stata in primo luogo un\u2019<strong>emergenza sanitaria<\/strong><span>\u00a0<\/span>ed infatti le strutture ospedaliere, dovendo fronteggiare il \u201cnemico\u201d in prima linea, hanno dovuto cambiare pelle contando sul proprio coraggio e sulla propria professionalit\u00e0 , talvolta pagando anche il prezzo dell\u2019assenza di piani di crisi e di decisioni politiche che non le hanno agevolate.<br \/>Conclusosi ormai il periodo pi\u00f9 critico in termini di vite umane, nascono nuove paure e perplessit\u00e0.<\/p>\n<p>In primo luogo per il personale e per le strutture sanitarie che vivono le preoccupazioni di richieste risarcitorie in un contesto critico gi\u00e0 nel periodo antecedente la pandemia.<br \/>Inoltre si aggiunge la<strong><span>\u00a0<\/span>preoccupazione degli imprenditori<\/strong><span>\u00a0<\/span>e di chi altro gestisce un\u2019 attivit\u00e0 che, oltre a fronteggiare il contesto di emergenza iniziale, ha la necessit\u00e0 di tornare pienamente operativo cercando di far fronte ad una legislazione nazionale, regionale e comunale molto corposa senza avere la possibilit\u00e0 in molti casi di implementare tutte le prescrizioni di sicurezza richieste, ad esempio in termini di disponibilit\u00e0 dei DPI.<br \/>La decisione dell\u2019 Inail di considerare il contagio come \u201cinfortunio\u201d e non come \u201cmalattia\u201d sta inoltre generando inevitabili ambiguit\u00e0 nei confronti di coloro che hanno stipulato tutele assicurative private.<\/p>\n<p>Traendo spunto dal settore assicurativo, proveremo a delineare possibili risposte alle domande che ci vengono poste pi\u00f9 frequentemente.<br \/>-Il<span>\u00a0<\/span><strong>datore di lavoro<\/strong><span>\u00a0<\/span>risponde dei danni da contagio?<br \/>-Il riconoscimento dell\u2019indennizzo Inail per contagio da Covid-19 sul luogo di lavoro genera la<span>\u00a0<\/span><strong>responsabilit\u00e0 automatica<\/strong><span>\u00a0<\/span>del datore di lavoro?<br \/>-Sul piano processuale, chi e come deve provare che il<span>\u00a0<\/span><strong>contagio sia avvenuto in occasione di lavoro<\/strong>?<br \/>-E poi, la classica polizza infortuni<span>\u00a0<\/span><strong>copre i casi di contagio<\/strong><span>\u00a0<\/span>da Covid-19?<br \/>-Quali attenzioni devono apprestare le aziende che hanno concordato con il proprio personale forme di lavoro quali<span>\u00a0<\/span><strong>\u201cSMART WORKING\u201d o<\/strong><span>\u00a0<\/span><strong>\u201cTELELAVORO\u201d<\/strong>?<br \/>-Le coperture \u201cFURTO\u201d operano per negozi, bar e attivit\u00e0 commerciali in genere rimasti incustoditi durante il periodo del<span>\u00a0<\/span><strong>lockdown<\/strong>?<\/p>\n<p>A queste ed altre domande cercheremo di fornire riscontro con il nostro approfondimento.<\/p>\n<p>L\u2019invio del filmato avviene entro 24 ore lavorative dall\u2019invio della scheda di iscrizione sulla casella di posta elettronica indicata nella scheda di iscrizione.<\/p>\n<p>[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;off|desktop&#8221; prev_background_color=&#8221;#ffffff&#8221; admin_label=&#8221;Footer&#8221; _builder_version=&#8221;4.16&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_direction=&#8221;135deg&#8221; background_color_gradient_stops=&#8221;rgba(38,45,63,0.56) 0%|#262d3f 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(38,45,63,0.56)&#8221; background_color_gradient_end=&#8221;#262d3f&#8221; background_image=&#8221;https:\/\/www.stocchiassicurazioni.it\/nw\/wp-content\/uploads\/2021\/11\/adventure-g0ba8af731_1920.jpg&#8221; custom_margin=&#8221;50px|||||&#8221; custom_padding=&#8221;13vw||||false|false&#8221; custom_padding_tablet=&#8221;170px||50px|&#8221; top_divider_style=&#8221;arrow&#8221; top_divider_height=&#8221;10vw&#8221; top_divider_height_tablet=&#8221;80px&#8221; top_divider_height_phone=&#8221;80px&#8221; top_divider_height_last_edited=&#8221;off|desktop&#8221; 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header_2_font_size=&#8221;70px&#8221; header_2_letter_spacing=&#8221;0.18em&#8221; header_2_line_height=&#8221;1.4em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; custom_margin=&#8221;||0px&#8221; custom_margin_tablet=&#8221;|||0vw&#8221; custom_margin_phone=&#8221;||0px&#8221; custom_margin_last_edited=&#8221;off|desktop&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; animation_delay=&#8221;100ms&#8221; animation_intensity_slide=&#8221;10%&#8221; header_2_font_size_tablet=&#8221;50px&#8221; header_2_font_size_phone=&#8221;30px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_2_text_shadow_style=&#8221;preset3&#8243; header_2_text_shadow_blur_strength=&#8221;0.4em&#8221; header_2_text_shadow_color=&#8221;rgba(255,255,255,0.6)&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>COMPILA LA richiesta<\/h2>\n<p><a href=\"https:\/\/www.stocchiassicurazioni.it\/nw\/wp-content\/uploads\/2024\/07\/Scheda-di-iscrizione-06.2024.pdf\"><span style=\"font-size: x-large;\">SCHEDA ISCRIZIONE<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; 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button_one_letter_spacing__hover_enabled=&#8221;off&#8221; button_two_letter_spacing__hover_enabled=&#8221;off&#8221; button_bg_color__hover_enabled=&#8221;off&#8221; button_one_bg_color__hover_enabled=&#8221;off&#8221; button_two_bg_color__hover_enabled=&#8221;off&#8221;][\/et_pb_contact_field][\/et_pb_contact_form][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; min_height=&#8221;374.7px&#8221; custom_margin=&#8221;43px|auto||auto||&#8221; custom_padding=&#8221;38px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;12px&#8221; text_line_height=&#8221;1.2em&#8221; custom_margin=&#8221;16px|||||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\"><strong>\u201cALBERT\u201d<\/strong>\u00a0\u00e8 un divisione di ricerca, sviluppo e diffusione di tematiche assicurative non finalizzata alla vendita<b>\u00a0<\/b>di polizze assicurative.<\/span><br \/><span style=\"color: #ffffff;\">Il responsabile \u00e8 Piergiorgio Stocchi, agente assicurativo con sede in Rovetta, via Antonio Magri, 1\/a<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">Per info: stocchiassicurazioni@gmail.com<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">PEC:\u00a0<strong style=\"color: #ffffff;\"><span style=\"color: #ffffff;\"><a href=\"mailto:39277@pec.agenzie.unipolassicurazioni.it\" style=\"color: #ffffff;\">39277@pec.agenzie.unipolassicurazioni.it<\/a><\/span><a href=\"mailto:39277@pec.agenzie.unipolassicurazioni.it\"><\/a><\/strong><\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\"><strong style=\"color: #ffffff;\"><span style=\"color: #ffffff;\">Telefono <a data-dtype=\"d3ifr\" data-local-attribute=\"d3ph\" jscontroller=\"LWZElb\" href=\"https:\/\/www.google.com\/search?q=stocchi+assicurazioni+clusone&amp;rlz=1C1ONGR_itIT971IT971&amp;oq=stocchi+&amp;aqs=chrome.1.69i57j69i59l3j0i512l3j46i512j0i512l2.2669j0j15&amp;sourceid=chrome&amp;ie=UTF-8#\" jsdata=\"QKGTRc;_;AR72iA\" jsaction=\"rcuQ6b:npT2md;F75qrd\" data-ved=\"2ahUKEwi4yPPYvZv0AhWOilwKHTdiC4EQkAgoAHoECEkQAw\" style=\"color: #ffffff;\"><span aria-label=\"Chiama il numero di telefono +39 0346 23700\">0346 23700<\/span><\/a><\/span><\/strong><\/span><span style=\"color: #ffffff;\"><strong style=\"color: #ffffff;\"><\/strong><\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">Piergiorgio Stocchi, iscritto alla sezione A del Registro Unico degli Intermediari (R.U.I.), tenuto presso l\u2019IVASS, con il numero A 000383676, data di iscrizione 16\/05\/2014, \u00e8 soggetto insieme ai suoi dipendenti ed ai suoi collaboratori alla vigilanza IVASS e opera con polizza r.c. professionale in corso di validit\u00e0.<\/span><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;12px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\"><strong><span style=\"color: #00ccff;\"><a href=\"https:\/\/www.iubenda.com\/privacy-policy\/24256580\" style=\"color: #00ccff;\">PRIVACY POLICY<\/a><\/span><br \/><\/strong><\/span><span style=\"color: #00ccff;\"><a href=\"https:\/\/www.iubenda.com\/privacy-policy\/24256580\/cookie-policy\" style=\"color: #00ccff;\"><strong>COOKIE POLICY<\/strong><\/a><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>STOCCHI ASSICURAZIONIROVETTAbenvenuto sulla piattaforma &#8220;Albert&#8221;Introduzione generaleSt0cchi AssicurazioniVia A. Magri,1\/a 24023 Rovetta BGTelefono 0346 23700Email: stocchiassicurazioni@gmail.com Video trailerMemento mori, la famosa locuzione latina \u00e8 il titolo dell&#8217;approfondimento dedicato ad un grande classico delle polizze assicurative: la &#8220;Temporanea Caso Morte&#8221; o &#8220;T.C.M.&#8221;. Dopo un breve excursus storico ed un&#8217;analisi delle principali norme contenute nel codice civile che [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-template-blank.php","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","two_page_speed":[],"footnotes":""},"class_list":["post-79","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.stocchiassicurazioni.it\/nw\/wp-json\/wp\/v2\/pages\/79","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.stocchiassicurazioni.it\/nw\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.stocchiassicurazioni.it\/nw\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.stocchiassicurazioni.it\/nw\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.stocchiassicurazioni.it\/nw\/wp-json\/wp\/v2\/comments?post=79"}],"version-history":[{"count":191,"href":"https:\/\/www.stocchiassicurazioni.it\/nw\/wp-json\/wp\/v2\/pages\/79\/revisions"}],"predecessor-version":[{"id":823,"href":"https:\/\/www.stocchiassicurazioni.it\/nw\/wp-json\/wp\/v2\/pages\/79\/revisions\/823"}],"wp:attachment":[{"href":"https:\/\/www.stocchiassicurazioni.it\/nw\/wp-json\/wp\/v2\/media?parent=79"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}